davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-17
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. (SC)

I have notified XXXX XXXX on XX/XX/2022 that they are furnishing information to all three consumer reporting agencies that I have given them no written instruction to do so. By furnishing this information to the consumer reporting agencies XXXX XXXX is violation my right to privacy as a consumer. I have the right as a consumer to opt out of any information being reported to the consumer agencies and XXXX XXXX never provided the disclosure informing me of that information nor did they give me the opportunity to opt out before disclosing this information to a nonaffiliated third party. Below I will provide the law! 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( 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 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( 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 ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (TX)

After reviewing my credit report in detail at the beginning of 2016 I noticed some aged and old accounts that I decided to dispute. I disputed several accounts that were reporting wrong and were past the 7 years from the first date of delinquency. I have sent over 5 letters which I wo n't upload all of them but I will upload the most recent. I also contact the creditor people reporting the information and either the letters got returned or they did n't respond. This bureau sent results saying the found the account accurate after talking to the creditor.??? i 'm so confused because these people have n't sent me anything. From what I read the bureaus must complete an investigation and verify certain things with the source and respond within 45 days from date of receipt. I 've discovered multiple holes in their investigation process and I 'm not trying to get them in trouble I 'm simply trying to correct my report. Your site offers a section and I read the " first date of delinquency '' & " 7 years '' to where if it 's been 7 years from that first date you become delinquent then the account must be deleted. Majority of these account fit the guideline and there 's no way the bureaus " verified '' this. Very frustrating bc I feel like they are just trying to keep these account on my credit report so they can make more money on reporting premiums from the creditors who is their clients. As a consumer I feel completely ignored and violated. nOt sure if I 'm the only one but i 'd be willing to bet I 'm not. Hoping they correct some of these mistakes not just for me but for other americans. This has affected me personally bc I 'm trying to obtain financing for a vehicle. 

Accounts in question are : 1.DP OF EDUC ( letter got returned, over 7 years from first date i was first late ) 2. XXXX ( over 7 years ) 3. XXXX ( I do n't owe anything, says on my report {$63.00}?? simply not true ) 4. XXXX ( i believe we first became late of 7 yrs ago ) 5. XXXX ( I was first delinquent with ORIGINAL CREDITOR over 7 years ago ) 6. XXXX ( i was first late over 7 years ago ) ( very sure ) 7. XXXX ( i was first late over 7 years ago ) Thank you for your time and i 'm looking forward to getting this resolved. have a great day.
Consumer complaint received 2022-05-17
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CNG FINANCIAL CORPORATION (MS)

I have been called repeatedly about a payday loan that has not been validated. The collectors have called my phone, my relatives, and a place I do not work at. I told them to validate the debt which they could not or file their case. The calls are still happening. They called today stating a case was being filed against for fraud. The only information I was given was the company name is check n go or check into go or something like that. The phone numbers involved are XXXX and XXXX.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2021, after I pulled my credit report, I found out multiple accounts on it that were not mine, after a few disputes, I decided to filed and Identity Theft Police report. 

On XX/XX/2021, I started my first dispute, since then, I have been constantly sending dispute letters, until now, most of the accounts have been removed, unfortunately, there is one account that EXPERIAN has refused to remove. I am now trying to reach out the CFPB, because, I do not understand how the other two bureaus already remove this account with no problem and Experian jus does not. I really need this account to be remove from my report since I am not the debtor, instead I am a Victim of IDT. I am attaching a copy of partial credit report that includes the account that was never mine and I never opened as well as Police Report.
Consumer complaint received 2022-05-17
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. (IL)

In accordance with the Fair Credit Reporting Act # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX have 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 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I sent a letter to the company to correct or remove the account. 

I had the Credit Bureaus contact the company to remove the balance or remove the account in full. 
I know according to the FCRA I have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I sent a letter to the company to correct or remove the account. 

I had the Credit Bureaus contact the company to remove the balance or remove the account in full. 

I know according to the FCRA I have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I was charged by USAA for a fee because a payment came on the SAME DAY, and AFTER THE PAYCHECK was in there. 

I feel like they are picking on people with XXXX XXXX XXXX, like XXXX. Funny, since they serve a ton of veterans. 

I also have had them deduct two fees for my employer checking if my bank account was working.
Consumer complaint received 2022-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (AZ)

A dog training company scammed us out of {$4000.00} and American Express investigations team can't comprehend what's going on and keep declining our disputes. 

American Express wants me to contact the merchant and try to work with them after sending the dispute team proof that the merchant is claiming they don't have my money, cussing me out, and threatening to file a restraining order against me. 

American Express has failed to understand the problem and continue to allow the merchant to retain my money while harassing me.
Consumer complaint received 2022-04-22
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. (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. 
XXXX  XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX XXXX ACCOUNT # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
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 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 2022-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

Let me start this by stating I am a XXXX XXXX and the pure mishandling and complete non help I have received is ridiculous. On XX/XX/XXXX, I received a notification from my XXXX app that my XXXX  delivery was on the way. I hadnt ordered this but somehow my card had been charged twice for a chipotle delivery to a California address and pickup in NJ. The amounts were {$93.00} and {$48.00}. I reported it to my bank immediately and they stated that they couldnt do anything because the charges were pending. I continually called back until they were able to actually create a claim. The claim was created then they informed me that they couldnt complete the refund because the charges were authorized. I called again and created a new claim which as of today I found out no one ever refiled my claim. I received a new card and now here is another fraudulent activity spotted. On XX/XX/XXXX there was a fraudulent charge for XXXX  for {$89.00}. As well On today ( XX/XX/XXXX ) a charge for {$820.00} with XXXX XXXX. I looked up this business it is a business for truckers to use an account to get diesel for their trucks. As previously stated I AM A XXXX XXXX, I dont even know a truck driver. I immediately called my bank and tried to dispute the charges but I received the same response that they couldnt do anything because the charges were pending. I asked to speak to a manager, and she told me there was no manager available. I will be removing my money and putting it in another bank account. Not to mention that on XX/XX/XXXX I received a text message from a number saying there was fraudulent activity on my account. It was someone posing as Truist because I then received a call from a number asking for my user Id and password which Truist never does. TRUIST HAS DONE ABSOLUTELY nothing to assist or help me to retrieve my money in fact I feel as though they are in on the scam and fraudulent activity they are allowing and doing absolutely nothing to assist or stop it. They just continually send new cards and do nothing about the issue. As previously stated, I am an XXXX I need every penny that I make. This is sad and disheartening that this is what the world has come to. I am filing a police report because that is the only way my problem will be solved.
Consumer complaint received 2022-05-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have requested a Method of Verification in accordance FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency. Equifax has failed to comply.

I have not given Equifax or any of its affiliates permission to use my Personal Information to obtain any court filings. Equifax has violated 15 USC 1681 ( B ) ( 2 ) and 18 USC 1028 ( a ). For this reason, I am demanding the removal of this record from my consumer report.

Equifax has been provided with a letter from the courts stating that they do not provide court filings to the cred
it bureaus, this has been ignored. Equifax also is reporting an account " XXXX XXXX '' as 120 days late, which is incorrect. I am requesting the removal of this account for its inaccuracy.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am submitting a complaint regarding this FRAUDULENT account and for assistance to REMOVE it from my credit report immediately. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-10-22
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

An unauthorized transaction on my savings account of {$9400.00} was taken from my bank of america account and deposited to a XXXX XXXX account thru XXXXXXXX XXXX on XXXX XXXX. Bank of America denied my claim stating because transaction was done under my name. I did not make these transactions Bank of America needs to investigate further and see who did this illegal transaction without my consent. In turn the {$9400.00}. XXXX of my funds need to be redeposited into my account.
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I filed a claim with Well Fargo on XX/XX/22 regarding charges on my debit card for products not received. The charges totaled {$3000.00}. It is now XX/XX/22 and no provisional credit has been issued to me nor any communication from Wells Fargo regarding my claim.
Consumer complaint received 2022-11-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (GA)

I closed on a house on XX/XX/XXXX and it was not received till the XXXX of XXXX the mortgage company knew it was being paid off but they put a 30 day payment on me and now I cant get a Mortage cause of this
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION (FL)

I was XXXX XXXX military, I begged Navy Federal for settlement, interest rate was high and they tacked on additional fees and I was while I was being XXXX on special assignment they did not work with me navy federal credit union is like dealing with the long shark they had no intentions they put me in debt and now my credit scores are low and Im trying to buy a home and theyre preventing me from doing that I have since become a XXXX XXXX  XXXX veteran and they are still trying to gouge me when answer fees I dont know where to turn to
Consumer complaint received 2022-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (VA)

I have ordered plain checks from Ally, which are sent without charge, and I was charged for them. 

Ally Bank has no ability to answer phone calls or customer service texts at this time. They are unreachable for any correction of this charge, which means they have stolen money from me.
Consumer complaint received 2022-05-17
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. (NJ)

In Accordance with the Fair Credit Reporting Act XXXX  : XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX Account XXXX XXXX XXXXXXXX, Account 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-05-17
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: Experian Information Solutions Inc. (NJ)

On XX/XX/2022, I requested a description of the reinvestigation procedure that Experian used to verify the accuracy of the accounts. Per 15 USC 1681 ( I ) they had 15 days after receiving my request to provide that information. Its now XX/XX/XXXX and Ive yet to receive anything and they are past the 15 days required by law to provide the documentary evidence.
Consumer complaint received 2016-08-04
Product: Prepaid card — ID prepaid card
Issue: Fees — 
Company: Neon Newco Corporation (NC)

XXXX has scammed me via a laundry list of fees that have racked up over {$30.00} in two days. I got my first Direct Deposit over {$500.00} on XXXX/XXXX/2016, and I received a text stating that I was upgraded to a Premier status. I already knew this was a benefit that Netspend offered, so I proceeded to use my card to pay bills and do things I needed to do for my family. 

Tonight I looked over my charges because I was short and could n't figure out why. I have various fees for everytime I used that card until I last used it a few days after my DD. I counted over {$30.00} in fees in TWO DAYS ; which is OUTRAGEOUS and something I would 've never paid seeing as I just recovered from a car accident that left me UNEMPLOYED for almost two months. 
I called their " customer service '' line tonight, and after arguing with the rep and him trying to tell me that I " misinterpreted '' the text I got, I asked for a supervisor, and after waiting on hold for that " supervisor '' for almost 10 minutes, He ( name was XXXX ), pretended not to hear me, when I KNOW he could, and hung up on me.
Consumer complaint received 2022-05-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (HI)

A letter dated XXXX XX/XX/2022 from Freedom Mortgage showed an electronic transfer from my husband 's bank account was authorized by him to Freedom Mortgage for XXXX Dated XXXX XXXX XXXX, a letter from Freedom Mortgage stated they did not receive the payment by XX/XX/XXXX and that a late charge of XXXX would be added. 
Another letter dated XXXX XX/XX/2022 showed they received a partial payment of XXXX on XX/XX/XXXX, and the funds would be held in suspense until we paid the full amount. 
Three letters dated XXXX XX/XX/2022 notified us of three different things. 
1. Our loan is one payment overdue and the total amount to make our account current is XXXX, 2. They have been unable to contact us regard our mortgage, yet when we call their number we are unable to speak to anyone. 3. That our mortgage payments were not received for months. The letter does not state which months, simply says " We have not received your mortgage payments for the months of through. '' The same letter states that our account is now in default, and we need to pay the amount of XXXX by XX/XX/XXXX. But if our payment is " not accepted for any reason '' the matter will not be resolved and they will begin foreclosure proceedings. 
Once we received the letters on XX/XX/XXXX, we again attempted to call their office and again were unable to speak to a representative or leave a message. Both a hard copy and an online bank statement reflects that the full payment was on time. We have filed for automatic payments 4 times and each time we have been contacted by phone that our paperwork has not gone through.
Consumer complaint received 2022-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I pulled my consumer reports on XX/XX/22 and noticed multiple discrepancies. These 3 consumer reporting agencies are clearly just doing whatever they want. They are not following the requirements outlined in the FCRA at all. This complaint is referring to 3 different accounts. The part of my consumer reports where it lists the company 's information who has reported various items on my reports is all over the place. They are supposed to ensure that ALL information pertaining to me is accurate. I am unsure of what information is correct because these are listed multiple times with different information. 
XXXX. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

***Please note that the FCRA does not permit you to abbreviate or alter the names of these companies, instead you are to ensure the MAXIMUM possible accuracy of ALL contents. 

Please also let me know how am I supposed to exercise my right as the consumer and dispute with these companies when you all are reporting MULTIPLE addresses and names?