davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

This complaint is regarding my case # XXXX with Navy Federal Credit Union. On XX/XX/2019, I noticed an debit in the amount of {$840.00} from my checking account. I immediately contacted NFCU, and I was advised that this was a debit from XXXX. I then advised the representative that I had not authorized XXXX to debit any funds from my account. At that time I was given a provisional credit for the same amount. On XX/XX/2019, I noticed that NFCU had once again debited that same amount of {$840.00}, that as given to me as a provisional credit from my account. I have not authorized any transactions to XXXX in the amount of {$840.00} and I am in possession of my debit card that is linked to my checking account. I am requesting that the total amount of {$840.00} be returned back to my account. I am a single parent and to have unauthorized transactions debited from my account is fraudulent. I have paid my cellular phone bills to XXXX with my NFCU checking account when I was a customer of theirs, however, I am a customer with XXXX XXXX XXXX now and has been for 6 months. XXXX has obviously and without my consent used my previous payment information to withdraw the {$840.00} from my account. That is not fair and it's criminal. I did not even know that a company is allowed to keep your payment information on their files and use it at their convenience. If XXXX has a problem with me owing them money, then there are collection procedures and even court that can be utilized, but they should not be able to take money from my account without my authorization or knowledge. Please help me get this issue resolved because NFCU has not resolved this issue fairly.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a dispute with transunion through certified mail. Transunion didnt not start the clock on my dispute. What transunion did was ask me to verify my correspondence which is a delay tactic. My documents were notarized with drivers license presented with the notary. XXXX verifying information was given. Transunion didnt start my request. Transunion in return asked me for my drivers license in order for Transunion to open dispute. They used this time to send a letter to my home address so they knew very well who requested a dispute. This is one of many violations that Transunion continues to get away with. Constant delay tactics. The account in question is reporting several different months on the different credit bureaus. Variations of date of reported XXXX day late from XXXX XXXX isnt consistent with the XXXX credit bureaus. This tells me the second party credit reporting agencies have provided transunion wrong information that has not been verified. Transunion is allowed to report unverified information to consumers credit report time and time again. I gave Transunion no permission to violate my consumer credit report in this manner of reporting.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

loan was sold then XXXX XXXX says balloon payment on credit report Account number XXXX Account type Mortgage Responsibility Individual Date opened XX/XX/XXXX Status Open. Balloon payment of {$20.00}, XXXX XXXX  XXXX XXXX then i got this and don't no why because i never ask XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2021-12-20
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. (NY)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2021-12-21
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. (IL)

Non of the major credit reporting agencies require companies reporting information regarding consumers requires any proof for reporting. I have contacted XXXX, Transunion, and XXXX. I have been told by all 3 bureaus the accounts that I have disputed has been verified by the furnisher. I asked if there was counter information to the documentation that I have provided with my dispute. I was advised there is no proof because it is an electronic process, in addition, they are not required to give me any proof. Today, after speaking to a very rude XXXX representative, I was advised that I should file a complaint against the bureaus with the CFPB.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Disputed information on Credit Report with XXXX and XXXX. They are both reporting late payment history on collection accounts, there are several accounts that have exceeded the statute of limitations that are still reporting and need to be be removed as per the FCRA. I have sent several dispute letters and the information isnt being investigated/ and or removed. Its frustrating because Ive done it repeatedly and the same accounts remain. Not to mention to personal information that doesnt even belong to me.
Consumer complaint received 2023-02-02
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. (NY)

I was reviewing my credit report and i am quite upset at the inaccuacies you are reporting in my personal information. 

Under the federal law, you have 30 days from the purpose of this credit repair letter to re-verify these entries. It should be understood that XXXX to do so within a thridy- day period constitues reason to promptly delete the information from my file FCRA 15 USC s1681i ( 5 ) ( A ).

Also, pursuant to USC s1681i ( 5 ) ( A ) of the fiar credit reporting act. please notify me when the items have been deleted. 

Immediately remove all negative and inorrent information on my credit report listed below. 

XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX and XXXX XXXX  XXXX XXXX my rights under. 15 U.S.C 1681 section 602 A. States I have the rights 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 2021-12-21
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)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. Section 605B, it is plainly stated that 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 days. I demand these account be deleted immediately or I will file for litigation due to the stress you cause me. My information was impacted by the XXXX data breach and have got into the hands of the wrong person.
Consumer complaint received 2019-09-08
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC. (IN)

Collector has called multiple times threatening to call my manager at work and tell them that I am not paying my bills and to garnish my wages. 

Last call was XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-07-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OK)

On XX/XX/2019 I requested a payoff quote for my HELOC. I received a quote of {$950.00} along with wire transfer instructions to payoff and close the account. On XX/XX/2019 I executed the wire transfer per Specialized Loan Servicing direction through my local bank. The payment was withdrawn from my account on XX/XX/XXXX. On XX/XX/XXXX I became concerned because my HELOC had not been credited or closed. I called SLS and was instructed to have my bank fax proof transfer to SLS. My bank did and I as well sent an email copy to SLS with proof of transfer.On XXXX my HELOC still did not reflect the payment so I called and spoke to SLS customer service supervisor XXXX who indicated to me that he had the Fax from the bank and the email from me proving the transfer and he would expedite the payment with the Cash Office and should be resolved no later than XX/XX/XXXX. XXXX gave me his direct number XXXX. XXXX the payment still had not been applied so I called XXXX 's direct number, received no answer and left a voice message. XX/XX/XXXX called XXXX again and left a message again, payment still not applied. I left an email via SLS website contact information on their website on XX/XX/XXXX also. XX/XX/XXXX I received an electronic response from SLS saying they researched the wire transfer but could not locate it so they are closing the payment search request and will not be crediting my account. XX/XX/XXXX I spent an hour on the phone with multiple levels of supervisors just to get the run around, XXXX at one point told me I should hire an attorney. At this point the money was removed from my account XX/XX/XXXX, my bank has proved proof of accurate transfer, I have provided proof of accurate transfer, XXXX and XXXX as well as several other customer service agents have verified that they have seen proof of accurate wire transfer for the payoff amount but my account still has not been credited and closed, in fact they are sending me over due notices.
Consumer complaint received 2021-12-21
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. (FL)

XXXX XXXX reported to the three major credit credit bureaus that my auto lease was a charge off. During my installment auto lease, I never paid late. All payments was made via my XXXX XXXX online account. Paperless. After my lease ending I checked my balance online several times. My online balance showed a zero ( 0 ) amount. 
Several months later I received a call from XXXX XXXX collections stating I had an outstanding balance of {$1100.00}. I explained to the representative that I was not going to make a payment when # 1. My online account balance showed a zero owed amount and # 2. I had no clue what the {$1100.00} was for? The representative said they would send me the information in the mail. I never received ANY correspondence from XXXX XXXX via the mail, during or after my lease. Remember, I have a paperless bill account. A few months later I tried to apply for a new credit card and I was denied. 
So I pulled my credit report and to my surprise, I have a negative mark on my report for this lease. When I contacted XXXX XXXX, they explained that the {$1100.00} was for my lease disposition fee and excessive wear on my tires. I explained that I had an insurance policy purchased at the time of my lease to cover any excessive wear. When the representative looked up my account they confirmed that I indeed had a policy. They said the XXXX XXXX had made an error and only billed the Insurance company {$85.00} and they would take care of it. At this time I still had an issue with regards to the disposition fee. I explained I never received any notification of a balance for the disposition fee. As it turns out I am correct. XXXX XXXX sent the bill to a old address which I had to lived in over two years. When I asked why the fee did not show on my online account balance, they said they only mail these bills. Remember, I have a paperless payment account!!! So I paid the disposition fee. 
Now, today XX/XX/21, My credit report still shows an outstanding balance of {$500.00}, late payments and a charge off. Equifax refuses to remove this negative mark from my credit report. So I have an issue with Equifax and XXXX XXXX Equifax case # XXXX XXXX XXXX account # XXXX
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AXOS FINANCIAL, INC. (UT)

I have automatic billpay setup with my bank, but the XXXX payment never made it the payee 's bank. My bank provided confirmation and tracking numbers, but the payee 's bank has no record of the deposit. I have spoken with my bank and explained the issue and a representative suggested I dispute the charge, which I did. My bank refused to recall or cancel the charge. I paid my bill a second time and now I am out {$1200.00}. The payee 's bank asserts the issue is with my bank. My bank asserts the problem could have been because of the holiday weekend and system maintenance and, because of this, all transfers were delayed, but my payment still has not been received.
Consumer complaint received 2021-12-20
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. (FL)

On XX/XX/XXXX and XX/XX/XXXX I received noticed from XXXX that they had verified the accuracy of Bankruptcy XXXX being reported on my credit file on XX/XX/XXXX. After asking XXXX to validate and verify this account, XXXX stated that " The furnishing agency verified that this information was correct ''. I have contacted the courts in question and was provided a letter from the Deputy-in-Charge stated that they do provide information to the credit agencies, therefore XXXX did not properly investigate or validated this record. On XX/XX/XXXX I received a letter from XXXX Confirmation # XXXX, stated that they had concluded and verified a Bankruptcy recorded reported on XX/XX/XXXX. Please see the attached letter from the US Courts stating that they do not validate or provide information to credit agencies, therefore XXXX did not properly validate this information. On XX/XX/XXXX I received a letter from TransUnion file # XXXX stated that had verified information with a reporting agency. Again, according the US courts, they did not provide TransUnion with such information and therefore, this information was not properly verified.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am a consumer and Transunion is violating 15 USC 1681 ( K ) my right to privacy by reporting a public record chapter XXXX Bankrutcy. I would like this removed immediately.
Consumer complaint received 2022-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (LA)

I need to dispute this account and have it removed from my credit report without negative impact this account was sold to Credence resource management a by XXXX I did not authorize no type of consent written or verbal to do buisness with this company it was sold as a debt and legally I have the right to have it removed from my report the amount listed is XXXX and Im not obligated to pay this..
Consumer complaint received 2021-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This company is deceitfully misclassifying themselves as a Creditor when in fact they are a collection agency to purposely cause me harm! This is a violation of the Equal Credit Opportunity Act which specifically states that a Creditor is an individual who extends credit. They know they dont extend credit and they know they have no business agreement from which there was ever a start date. Remove this immediately!
Consumer complaint received 2019-11-23
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)

Re : Violation of 15 U.S.C. 1681b ( c ) Verifiable Proof/Documentation of My Non-Existing Authorization/Signature DEMANDED Name :  XXXX XXXX Last Four Digits of Social Security : XXXX  Violation of 15 U.S.C. 1681b ( c ) : Unauthorized/Unlawful Hard Inquiry Offending Company : XXXX Date Placed on Credit Report : XX/XX/2018 Credit Bureau : Experian Dear Sir or Madam : I write this Complaint in a good faith effort to resolve the issue of this unauthorized/unlawful inquiry referenced above. Please note that this is not an acknowledgment or acceptance of said inquiry, as I did not seek credit with XXXX. Nor is this a waiver of my right to dispute this inquiry pursuant to and as allowed by 15 U.S.C. 1681 ( The Fair Debt  Collection Practices Act ). 

I recently received a copy of my Experian credit report. The credit report includes this unauthorized/unlawful credit inquiry by XXXX. I understand that, pursuant to 15 U.S.C. 1681b ( c ) governing transactions that are not initiated by consumer, XXXX and Experian, as the credit reporting agency, are prohibited from placing an inquiry on my credit file unless I have authorized it. As I absolutely have not authorized anyone at XXXX to review my credit file, please ensure XXXX   and Experian remove this offending inquiry from my credit file/report as it is damaging my credit rating and hindering my ability to establish credit. 

I have attempted to resolve this matter directly with XXXX and Experian to no avail. Therefore, I am contacting you, as the designated federal agency to assist consumers/victims of such Violations, to investigate and finally resolve the matter so that my credit file/report is accurate. 

I thank you for your sincere consideration of this matter, and look forward to a prompt and amicable resolution of this matter. 

Kindest regards, XXXX XXXX
Consumer complaint received 2021-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (PA)

I am XXXX XXXX XXXX and I am sending this complaint myself to request assistance from to have this account removed from my personal Credit report. I don't have any connection to any Credit Monitoring Company or any of its kind. Despite the multiple previous written requests, the unverified account still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This status is damaging my report, which would not be happening if the bureaus have investigated properly before posting derogatory information.
Consumer complaint received 2023-07-31
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)

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : {$900.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-09-09
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. (NY)

just filed trying to get ANOTHER REPORT PLEASE since I am NOT ME.WHAT THEY ORIGINAL SENT WAS HORRIFYING. NEED HELP GETTING SUPPOSE TO BE CORRECT REPORT. STILL WAITING. FOR REPORT NEVER RECEIVED. PLease get them to shut my report them is main fraud. they are allowed access.
Consumer complaint received 2019-09-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (FL)

This was workers comp case that should of been taken care of and paid off a year or longer ago.. this case was handle by workers comp insurance, the second time Capio partners damaged my credit. I contacted my lawyer, all debt has been paid. Fast forward 10 months later and I have a derogatory mark dropping my credit by 20 points. Saying I owe funds for the third time. Horrible company, please someone investigate them