davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (TX)

On several occasions, I wrote Mr. XXXX XXXX, CFO of Navy Federal Bank regarding a credit card account. I simply requested verification and validation for contract transparency which included a notarized statement that there is no breach of agreement, failure of consideration or material alterations, and that the account was transferred in good faith and by the consent of all parties involved.

I have reason to believe, and I do believe that Navy federal Credit Union in in breach of the alleged credit card agreement pursuant to 15 USC section 1692 and GAAP.

Navy Federal Credit has not responded to any of my request.
Consumer complaint received 2022-04-18
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. (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. 
XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-18
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. (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. 
XXXX XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NETWORK CAPITAL FUNDING CORP (CA)

I submitted a complaint back on XX/XX/XXXX ( XXXX ). Here is a summary of the issue. 

I was incorrectly charged in the amount of {$2300.00} for force-placed homeowners insurance when I already an insurance policy, for which I have provided copies of policy both via emails to XXXX and attachments on the company website. 

The company responded by acknowledging that there was an incorrectly forced policy for coverage placed on subject property XXXX XXXX XXXX XXXX XXXX, CA XXXX. The loan was charged with a premium of {$2300.00} for the forced placed coverage on XX/XX/XXXX. They have refunded {$1800.00} and said that they will refund the additional {$480.00} that was not refunded on XX/XX/XXXX. They stated on XX/XX/XXXX that they were in the process of refunding the {$480.00} and should be completed within the next 7 to 10 days. 

To date, XX/XX/XXXX, I have not received the refund.
Consumer complaint received 2022-04-18
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. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-03-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC (MO)

Hello! 

On XX/XX/2021 I submitted a complaint about Check In To Cash debiting my account after I had revoked ACH Authorization ( complaint XXXX ). After reviewing my bank account today, I see a debit from them again. Im not sure what else I can do to get them to stop getting in to my account. Help would be appreciated. 

Thank you!
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

experain has my XXXX XXXX account duplicated the same card is listed 2 times both of the accounts have dirrent information and one of the accounts is accurate I have no lates at all on none of the other credit reports nor threw XXXX is there a late experain has 2 accounts created where there should only be 1 listing that is the account that is accurate and that does not have a late i am requesting they delete the duplicate account with the LATE this information is inaccurate-
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-12-21
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. (DE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX Equifax XXXX XXXX XXXX  On XX/XX/2023 I submitted a CFPB complaint # XXXX there was multiple inquiries on my consumer report which id like monetary value for since i never authorized. This is a result of identity theft and happened without my knowledge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The FCRA States that the only data which is factually documented to be physically verified as fully truly, correct, complete, timely reported of a known responsibility and ownership. I would like a physical original document of my signature giving to your company to furnish on my report.
Consumer complaint received 2022-04-18
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-02-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (OR)

My money was stolen by a duplicate/ copycat website and cash app simply Said it was irreversible and they open a claim and closed it right away and I had no idea I open a claim and now its close. so I didnt even get a chance to state my case thanks for your help. The total amount taken was almost XXXX.
Consumer complaint received 2022-04-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

In 2016 I was a victim of identity death I have in the time to bank accounts I called the banks one of them was Bank of America and XXXX XXXX I call Bank of America and I let them know the problem I told him that I needed to close the account and open another one because of the test and they close my account never open it and charge me for something that I didn't do I still till today that I haven't been able to open a bank account this is really annoying
Consumer complaint received 2022-04-18
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. (CA)

Credit score negatively impacted when a consumer voluntarily closes a credit card account. 

A few years ago I needed to build my credit and only qualified for some less-than-desirable cards with high annual fees or monthly fees. I have since rebuilt my credit and have maintained a {$0.00} balance for the past 2-3 years, but am still being charged high fees. I have not closed these accounts because I have been told this will severely impact my credit score. 

I am asking this to be changed. 

I would like to keep open the low- to no-fee cards I have now qualified for, but close the high-fee ones without hurting my credit score. 

Can this be done?
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Transunion has a reported a Bankruptcy on my credit file on XX/XX/XXXX. The date reported was XX/XX/XXXX. I did not authorize transunion to report anything on my credit report. I spoke to XXXX at the Bankruptcy court and she said they do not report Bankruptcies. Transunion allowed a third party to purchase my information without my consent. Under the FCRA TransUnion is not a government entity but a publicly trading company which has no authority to report anything. These Consumer Reporting Agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to the XXXX and XXXX District Bankruptcy Court of Ohio, they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our mis-fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. XXXX or any other third party has violated my rights under title 15 and others
Consumer complaint received 2024-03-12
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you in the strongest terms possible regarding the presence of a XXXX account on my credit report. It has come to my attention that there is an account listed under my name that I have neither authorized nor had any association with. This is an egregious error on your part, and I demand its immediate removal from my credit report. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-18
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. (CA)

Credit score negatively impacted when a consumer voluntarily closes a credit card account.

A few years ago I needed to build my credit and only qualified for some less-than-desirable cards with high annual fees or monthly fees. I have since rebuilt my credit and have maintained a {$0.00} balance for the past 2-3 years, but am still being charged high fees. I have not closed these accounts because I have been told this will severely impact my credit score.

I am asking this to be changed.

I would like to keep open the low- to no-fee cards I have now qualified for, but close the high-fee ones without hurting my credit score.

Can this be done?
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (GA)

I have 4 fraudulent charges on my account. They removed 3 but not all 4. Ive reached out to company numerous of time. They are charging me interest on the fraudulent charges. Ive been hung up on. Also while trying to get help they have continued to charge my late fees.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am dismayed by the ongoing inaccuracies in my credit profile despite multiple requests for correction. Your failure to address these issues promptly not only violates the Fair Credit Reporting Act but also reflects poorly on your professionalism. I am writing to express my extreme dissatisfaction regarding the ongoing inaccuracies in my personal credit profile, specifically pertaining to the accounts referenced below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

On On XX/XX/XXXX, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after 30 days, I review my updated Credit Report and I noticed that they updated my address but they did not remove the rest of the inaccurate addresses on the XXXX and EQUIFAX report, I am now, taking the extra step, because I really need these addresses off of my credit report.
Consumer complaint received 2023-10-19
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. (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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-04-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (IL)

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX/ {$320.00} / XX/XX/2022
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called XXXX XXXX along with their total loss department know that as a federally protected consumer, I was opting-out of any and all authorization given to report any information given to any third party. That I the consumer have given them written/ unwritten- verbal/nonverbal per 15 USC 6802 effective immediately and indefinitely!

However they have failed to do so in multiple attempts of me contacting them submitting this request even though I was told by the two of the representatives that they had in fact submitted my request. With them failing to do so has took a toll on my credit score damaging my reputation unforeseen future credit extension as a consumer to get to get things I need.
Consumer complaint received 2023-10-19
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. (MD)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-04-18
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. (LA)

In accordance with the Fair Credit Reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX Account # 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 602 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC ()

caller from credit control call me several times starting at XXXX XXXX trying to collect a debt owed by someone else i have repedetly told them that i am not that person sometimes when they call they say nothing just listen i tell then that they are a bunch of punks that like to harass people after a while they hang up this has happened several times not saying anything the last time they called -- XX/XX/09 XXXX i told them that i was not regena and to stop calling me i said that i am tired of them calling me different times of the day for some one i dont know after a few choice words to them i hung up - they come up on my caller id as credit control XXXX
Consumer complaint received 2022-04-18
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. (SC)

Dear Experian In reviewing my credit report from Experian, I found unauthorized addresses. I made numerous attempts to resolve this matter via Experian automated service, however I had no success by phone. The following inquires are unauthorized. 1. XXXXXXXX XXXX XXXX XXXX XXXX XXXX SC XXXX 2. XXXX XXXX XXXX XXXX SC XXXX Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( i ) promptly delete