davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP (IN)

I have a unemployment funded card thru XXXX KEY BANK. I was on down weeks on XXXX XX/XX/XXXX and my unemployment money was put on the XXXX card on the XXXX of XXXX, I took the card to my bank XXXX to have the funds pulled off the card and put into the checking account, the teller told me there was no funds on the card as she passed the card bake to me. On XX/XX/XXXX I took the card into the bank again and the card declined again. Called the XXXX number and they said it is PENDING it is still PENDING today XXXX. I now have another unemployment fund on the card but I can not have access to it until the first issue is resolved. They tell me maybe XXXX XXXX XXXX. Now i have also been in contact with my bank and everyone is playing the blame it on the other bank. I still have no idea what else to do at this point. Thank you for your time.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: First Technology Federal Credit Union (CO)

I had opened a checking and savings account at First Tech Federal Credit Union. After a few months of " inactivity '' the credit union began charging me {$5.00} per month as " inactivity fee. '' When I logged back into my account, I found that my balance had decreased substantially due to the " inactivity fees '' a total of {$50.00}. 

I called First Tech and asked for a refund, but they refused.

I find that First Tech 's policy is XXXX  to theft. They have no right to take borrowed money from me and appropriate it to themselves simply because it sits in their institution. Isn't the point of banking to lend money to the institution and leave it there?

I opened an account with First Tech thinking that it would be different from big banks that charge fees. I'm disappointed to see that I was mistaken.
Consumer complaint received 2023-01-16
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: Cascade CISS Holdings, LLC (DE)

On XX/XX/XXXX I contacted XXXX XXXX to inform them that I did not authorize inquiry from XX/XX/XXXX which was showing on my credit report. Company stated they could not find my information and they could not help me.
Consumer complaint received 2023-01-10
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: Chime Financial Inc (KY)

On XXXX XXXX chime closed my account due to a reversal charge back in XXXX XXXX XXXX XXXX XXXX my direct deposit was sent to that account instead of returning it to my employer they deposited it after my account was closed. I have messaged chime customer service every day sometimes 5 times a day with no resolve but to tell me I need to email chime. Ive even reported them to the XXXX XXXX XXXX which they responded to them with they will refund my money to me after I send them a copy of my bank statement and my drivers license which I have complied with. All I get from emailing and calling is the runaround email tells me I have to call customer service customer service tells me I have to email my money is not being refunded Im not getting any explanation on why theres a hold up after Ive complied with all of the requests. Today I received a email saying that they have not heard from me so they are Closing my request for information today alone I have emailed them three times Ive emailed XXXX XXXX XXXX again today telling them that Im not getting anywhere with them all Im asking for is that {$600.00} that is mine my bills are not getting paid because they will not refund my money Im hoping you can help me I have every email theyve sent me Ive contacted my bank and they have never heard of anything like this and they cant help me they said because they dont know how to deal with chime
Consumer complaint received 2022-10-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

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. Capital One 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 : states a consumer reporting agency can not furnish a account without my written instructions. 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. 
The above is the reason I first submitted the complaint. My information is being used by someone else and it is reflecting on my credit report. When I try contacting the creditor, I am unable to obtain information on the, mentioned account because the account holder information conflicts with my information. This account isn't my account and I need it removed from my credit report.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

During an Arbitration process XXXX and Equifax violated Federal Law by disclosing my private records without my prior written consent to XXXX XXXX XXXX of XXXX XXXX located @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is a violation of the privacy act of XXXX. Any authority that XXXX and Equifax thought they had is now removed and all companies should be penalized accordingly for violating Federal Law
Consumer complaint received 2023-06-06
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. (NV)

There are multiple inquiries on my account that were made. Ive asked them to removed inquires because I didnt make those inquires. my account has identity theft on and my account is also frozen. 

Ive called all these companies about the inquiries. Ive called on XXXX TransUnion XXXX Nothing was deleted from all of the company accounts. 
Inquires were dated on TransUnion XXXX. XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX Ive asked them to delete address XXXX XXXX XXXX XXXX XXXX XXXX Nv XXXX
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
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. (GA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2019-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (AZ)

My deposit for my social security of {$1400.00} check went in a Navy Federal Credit Union account electronically and they wont return back to Social Security. I dont have an account with them. I have contact the over 3 times to do so. I have no income since the XX/XX/XXXX to live on.
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. (NC)

I did not authorize ANY CHARGES to the XXXX XXXX account in question. This is purely XXXX and theft by XXXX XXXX and XXXX XXXX. XXXX AND EQUIFAX DELETE IT FROM MY CREDIT REPORT! In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC ******* U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 ***********. ( a ) ( XXXX ) XXXXection 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 XXXX XXXX ************* ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. I have also attempted to contact XXXX XXXX and XXXX XXXX several times to request written proof of this authorization, but they have failed to comply with this request.
Consumer complaint received 2023-06-06
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. (TN)

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.

The letters are stated with items and issues.

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 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

-On XX/XX/XXXX I received an email from my credit card monitoring service regarding a new inquiry on my credit report. 
-On XX/XX/XXXX I called my credit card company to inquire about the message I received. 
Per the representative at my credit card company I learned that Capital One was the company that made the inquiry. I was given a case # and a time frame of when to expect a return call from my credit cards Fraud department. 
-On XX/XX/XXXX I received a call back from my credit cards Fraud department where I was informed that my name, social security number and home address were used to apply for a credit card. The phone number that was used on the credit card application is an unrecognized number and the address information didnt include my specific unit number. 
-Capital One was contacted and they stated that the credit card application was approved. Capital One frauds department cancelled the credit card and started an investigation into the matter. No activity was seen on the card to date. Results of the investigation are now pending. 
-In addition, my credit card fraud representative put a 1yr fraud alert on my account as well as a security freeze. I was also provided information on how to ensure : 1.All 3 major credit bureaus have been notified and proper security measures have been put in place. 
2. Where and how to report the fraudulent application to the FTC.

3. Follow up steps to extend the 1yr temporary fraud alert to 7 yrs.
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I recently had my credit profile pulled. Upon looking at this report I have noticed theres an account thats not mine and were never late. I sent a dispute letter in regards to XXXX EQUIFAX and XXXX on XXXX and XXXX asking that it be removed. Please note response should have been provided by date XX/XX/2021. I have not received report and XXXX  EQUIFAX and XXXX are over the time frame required to submit a report to me. Please investigate and send me an updated report.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Per the FCRA as a federally protected consumer. I am now opting out of any and all authorzian. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 15 U.S.C. 6802.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title. 

( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and
Consumer complaint received 2023-06-06
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$5900.00} XX/XX/XXXX NOT PROVIDED XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C , 1681section 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. 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 cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-06
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc. (TX)

I was contacted by XXXX XXXX with National Credit Systems in XX/XX/XXXXto collect debt from a previous landlord ( XXXX XXXX  ). I explained that this debt was not owed and I was not informed of this prior to her phone call which was 3 months after I moved out. I explained that I wanted to dispute it. 

A letter was sent to my Mother in Law 's home in XX/XX/XXXXstating my dispute was denied for insufficient documentation. 
When I called to speak with XXXX she was aggressive, uninformative, and hung up on me when I asked questions. 
I asked simple questions such as who would I be paying? And was told her client is disclosed. I am not able to obtain the owner 's information. 
I asked her how the process works and she got defensive and asked if I am going to pay or not? And would not give me any information about her company and their process. 
XXXX was the rudest person I have ever encountered. She had no intentions on assisting me with resolving this issue. 
The only thing I gathered is that I can not dispute the charges with ANYONE because she will not give me the owner 's information and she is not willing to discuss my dispute. 

I read reviews calling this company a scam and I fully believe it. My credit score is severely damaged and I am unable to resolve this debt.
Consumer complaint received 2019-02-06
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. (IN)

I reached out to the bureaus in regards to a dispute in question in regards to a repo that was on my credit reports, found out somebody had gotten a vehicle in my name and the vehicle im guessing has YET to be recovered, cant get any information in regards to it because I cant verify account information to whoever has the car so they only tell me what they can well I went to the actual dealership and they were able to give me some information to help me, I was able to contact the company and they finally sent me documentation in regards to the vehicle to help me get the car removed.
Consumer complaint received 2024-03-27
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. (AL)

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 2023-06-06
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. (NJ)

To whom it may concern, I XXXX XXXX XXXX, try to apply for a credit card and was denied because of the incorrect credit reporting from XXXX, TransUnion, and XXXX Credit Bureaus, so on XX/XX/2023, I send XXXX, TransUnion, and XXXX Credit Bureaus, I sent them a letter informing that they are reporting incorrect information on my credit report, they reply that all the information was updated, I never had any credit cards, only debit cards, and I requested them to update my credit report and delete the incorrect accounts, 1. XXXX XXXX XXXX # XXXX 2. XXXX # XXXX 3. XXXX XXXXXXXX # XXXX**** Today XX/XX/2023 I check my report with XXXX XXXX TransUnion XXXX and XXXX, and the fraudulent accounts are still reflecting on my credit report, please help me with this issue, thank you.
Consumer complaint received 2023-01-10
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)

I have made numerous attempts to resolve and or dispute these issues directly with the credit bureaus and the lenders reporting inaccurate and fraudulent accounts and each and every time I receive generic/automated responses stating the information and or accounts has been verified when asked to provide proof of this verification the lenders and respective credit bureaus are unable to provide me with any documentation as it relates to verification. I was the victim of identity theft, I have informed them of this and filed numerous FTC identity theft reports and provided copies to the bureaus and offered to provide copies to the lenders, the lenders refuse to accept them, and the credit bureaus tell me this is not sufficient which is why I have filed multiple as well as consistently seeing new items I do not recognize either in the form of inquiries or collection accounts. I have attempted to resolve this with the credit bureaus as well as directly with the creditors. This is my second time filing a complaint with the CFPB in regard to these issues. All of the entities mentioned have displayed willful and negligent noncompliance in removing these items