davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (TX)

I had an issue with a collection agency for returned checks at Navy Federal Credit Union. XXXX, the company, resubmitted the checks on multiple occasions causing returned check fees at the bank, and also submitted their XXXX service charge as an XXXX-authorized deduction from my account, creating more XXXX fees as they submitted the transactions separately. and the service charges were submitted after the resubmission which they knew did not go through. The checks eventually cleared along with the separate service charges submitted by the collection agency. 
I spoke with Navy FederaXXXX and disputed the service charges as unauthorized, having never agreed to them using XXXX for their service charge. The bank then orders the account for the entire amount of the checks and the service charges and advises the business that I had stated they postdated the checks, and I was denying writing the checks for the purchase which was never an issue. 
I went into my account to get the account statements and found tro be locked out and unable to access any statements relating to the dispute. 
This occurred after going to the store where the checks were written, when the owner grabbed me and drug me through the store telling me he did not want me there ever again. I was never aware of the bank advising them of those lies, and the bank was told after they credited the account that they made an error as I was not disputing the checks, just the allowance of a collection agency to use ACH and access my account. 
The bank CEO was notified of the situation, after getting nowhere with customer service. Now I am charged fees with money in the account and have been denied access to my statements where the business had been paid. I spoke with the business the day of the assault, and told him I would bring back the statement where it was paid, as I never disputed his transactions. The owner stated the money was reversed and he had not been paid over XXXX. The bank has made me look as if a fraudulent person, and this being only XXXX of the times they have done this, after complaining about charges and receiving no products from XXXX. The company ordered from having no phone contact or address to get hold of them and do not respond to emails. XXXX Fed. states they spoke with them, but that is not true.The bank had no right to lie to the company, had no right to block me from my statements, and the CEO office stating they would write a letter to thr business after hearing the recorded dispute. but they will, not advise the businesws that I never stated anything about them postdating checks or denying to have written the checks. I am no longer allowed in the store, have been humiliated in front of my town friends and XXXX XXXX is a liar and uses accounts to advesrly affect its members.
Consumer complaint received 2020-01-16
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. (FL)

There are two accounts that are reporting on my credit file that do not belong to me. I don't even know who's accounts they are. There is one with XXXX XXXX Card services and a XXXX XXXX. They are showing me as an authorized user but I don't know who these belong to. There is also a credit inquire that is reporting on XXXX  with a place called XXXX and I never applied for anything with that company. Someone opened an account in my name and that was resolved however they never removed the actual inquire.
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2020-01-16
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. (FL)

There are two accounts that are reporting on my credit file that do not belong to me. I don't even know who's accounts they are. There is one with XXXX XXXX XXXX XXXX  and a XXXX XXXX. They are showing me as an authorized user but I don't know who these belong to. There is also a credit inquire that is reporting on XXXX  with a place called XXXX and I never applied for anything with that company. Someone opened an account in my name and that was resolved however they never removed the actual inquire.
Consumer complaint received 2024-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IA)

Unlike XXXX  and XXXX, where I can lock and unlock my credit file online, Equifax has made my online account incapable of being accessed. They stated : " Upon further review, the option to utilize the online website, MyEquifax is not available to you. This decision is based on the information that you have provided during the account creation process '' My account was available to me until I applied for the data breach settlement of extended service. Once I applied for that I lost access to MyEquifax. Calling Equifax is quite frustrating. Recently ( XXXX ) I had a need to unlock and then lock my Equifax credit report and it took me 137 minutes. Subsequently I have asked Equifax to reestablish my online Internet account to save me time. They have not been responsive and telling me this : " There are alternative methods to place a security freeze or fraud alert that is recommended for you that includes sending your request by mail or by phone : Mail this form to place a security freeze : https : //assets.equifax.com/assets/personal/Security_Freeze_Request_Form.pdf Mail this form to place a fraud alert : https : //assets.equifax.com/assets/personal/Fraud_Alert_Request_Form.pdf Call Consumer Care team by phone at XXXX between XXXX XXXX  XXXX XXXX, 7 days per week. '' After their data breach, of which I was a victim, they are now denying me the convenience of good service.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (IN)

There is Lowes Credit Card on my report that is not mine. It has exceptional payment history and isnt an issue as far as hurting my credit but it is not my lowes account. I dont want it to turn into an issue so I am trying to get it removed
Consumer complaint received 2022-11-13
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. (FL)

Equifax blatantly ignored 1st request to block accounts that are a direct result of Identity Theft and ignored 1st CFPB complaint re : Identity Theft and accounts reporting a direct result of Identity Theft. Equifax sent me another letter dated XXXX stating cant block accounts as don't have the required info to prove my identity. That is not true as I have submitted this twice to them. 

I placed an extended fraud alert on my Equifax credit file on XXXX and placed a security freeze in XX/XX/2022 as a result of Identity Theft where my SS # was linked to another name and address. On XX/XX/2022 I mailed in XXXX detailed pages requesting information on my credit file be blocked as a direct result of Identity Theft, including all completed and submitted Identity Theft Reports to the Federal Trade Commission, my driver 's license, SS card, and recent utility bill for proof of identity and proof of address. On XX/XX/2022 I received a letter from Equifax stating they are r3efusing to block any information as they need proof of identity and completed submitted Identity Theft Reports with the Federal Trade Commission. ALL OF THIS WAS IN THE XXXX PAGES I MAILED TO EQUIFAX ON XXXX!!! They just blatantly ignored this!!! This is wreaking havoc on my entitr4e credit file and I have been denied several things due to EQUIFAX 's blatant negligence in correctly reviewing my info and blocking information resulting from Identity Theft. I have again included all of this.
Consumer complaint received 2020-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (FL)

SYNCHRONY BANK ATT : FRAUD DEPARTMEN/XXXX XXXX XXXX XXXX  XXXX OH XXXX REF : XXXX ( PREVIOUS DISPUTED CARD ) ACCOUNT : XXXX My name is XXXX XXXX XXXX I contacted you on XXXX XX/XX/XXXX regarding an account ( XXXX ) that I did not apply neither I use for purchases. I found out that this account exists when I checked my credit report and the score was low. I notified you right way. Your department started the investigation. I received a letter stating that you were unable to approve the claim. 
I have never applied on line and I have never purchased anything. I have never received anything to my address that I live for the past 2 years. I have never made any payments on this account. 
I need your department 1.- to verify the online application and where that credit card was delivered.

2- Where the payments are coming from?

3- If you see the transactions that you provide on the Fraud Investigation form is all purchases are from the same provider XXXX ON THE SAME DATE XX/XX/XXXX ( THAT SHOULD BE A SUSPICIONS ACTIVITY ON YOUR MONITORING ). ON XX/XX/XXXX XXXX  ( ANOTHER FLOWER COMPANY ). THIS IS ENOUGH PROOF OF FRADULENT ACTIVITY. 
4- I have never received any statements until couple days ago XX/XX/XXXX on. 
I need your department to re do the investigation and get to the bottom of this fraud. I need to remove all the accounts from your system and remove them from my credit report. 
I am cc the Consumer Financial Protection Bureau as well as the Three Main Bureaus.
Consumer complaint received 2024-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Transunion, and XXXX to reinvestigate these inquiries : XXXX XXXX, inquiry date XX/XX/year> and XXXX XXXX, inquiry date XX/XX/year>. However, they stated everything was complete and accurate. 

But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2020-01-16
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. (FL)

Good afternoon, I feel my information has been compromised either online or by the Equifax data breach. Several accounts that do not belong to me have popped up on my credit report saying I owe {$400.00} to XXXX  XXXX XXXX  and {$600.00} to XXXX XXXX which I have never authorized or done business with these companies. Also there are collection accounts for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX which I also am not familiar with these organizations nor ever done business with them. I have not had any medical procedures or anything done in many years so please remove these fraudulent accounts off my credit report permanently. I am looking forward to your help. Thanks in advance.
Consumer complaint received 2022-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

My little XXXX XXXX XXXX kid use my XXXX to order kid meal from XXXX {$25.00} without my permission. I cancel that order right away and never received any order ( restaurant didn't make it ). I call Citi to dispute this charge cause I didn't recognize. They refund me, but a month later, they charge me again from Citi XXXX card ending XXXX  I didn't agree this result, so I chat someone in Citi. She said she already successful credit me back. Let me wait 2-3days, credit will refund to my account again. But 10days already, I received nothing.
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (AZ)

I applied for and received a Target Red credit card in XX/XX/2019. I immediately signed up for payment due email alerts on my account through Target, and faithfully paid my balance in full for the next few months. I relied on the payment due email alert system. For some reason, I did not receive an alert in XX/XX/2019, and I thought nothing of it, assuming I didn't have a balance. Only in late XXXX when I logged into my account did I see that I had 2 late payment charges and interest that had accrued. I immediately called Target, paid my balance in full, and had those charges reversed. Unfortunately, Target has been no help correcting these late payment reports to the credit bureaus, even though it has been acknowledged that I did not receive the payment due alerts. I spoke with XXXX on XX/XX/2019 and he confirmed with XXXX in the Target Collections department that the payment due alerts were not sent to me. 

Before this incident, I had a credit score in the high 700s with ZERO missed or late payments, but overnight my score went down almost 100 points. 

I received a response from Target in the mail today, XX/XX/XXXX, that they investigated and found no issues. I also just got off the phone with a Target supervisor and she said she will submit my complaint again, but she wasn't optimistic that anything would change. 

Even if I am at fault for not keeping a closer eye on this Target card, I am supremely disappointed that it has been acknowledged that there was an issue with the payment due alert system and Target has refused to correct these late payment reports, even as a courtesy.
Consumer complaint received 2020-01-08
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. (PA)

I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. I let one payment lapse in this past XXXX on this account with XXXX/XXXX  but when I was able I paid the account and brought it current. This was the following month, I paid for it and would like for them to update this account by deleting that one late payment. It's being reported to all three bureaus XXXX, Equifax, and XXXX. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this account. I will attach a picture of my payment history that shows me missing that one payment and have been current ever since. And I would truly appreciate this and would be able to put my family in a better situation.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Transunion already agreed to this acct erroneous and inaccurate here proof. These accounts are not mine, they are inaccurate, unverified and unauthorized. ( Exhibit A ) XX/XX/XXXX fnbo was removed after I disputed it on XX/XX/XXXX. Transunion has not even responded to me per the law you say you are required to follow from my initial dispute. Your only response was you removing the account. You are required to respond to me within XXXX of my disputed. I spoke to a few reps today XX/XX/2022 specifically XXXX XXXX and he stated that you guys added this acct per fdcpa but that law also states your required to respond to my dispute within 30 days. Why didnt you? So that means you as the entity agreed XXXX me the original creditor that this account is unverifiable. Later with it now being the XXXX of XXXX you re added this account back 2 business days later. What changed from then to now. 

With you removing this from my account you admitted to this law by removing it which basically means XXXX didnt verify this per law. 
So what made you add this back? 
How you verify it? 
XXXX and XXXX wasnt able to verify it so how were you? 

This abusive act has cause me major financial distress and this is against my individual right to privacy This agency is in violation of 15 USC 1692 ( g ). They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 XXXX and the Fair Credit Reporting Act [ 15 USC 1681 XXXX a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device : So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Consumer complaint received 2022-09-30
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: Experian Information Solutions Inc. (IL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: FREEDOM FINANCIAL NETWORK (TX)

FREEDOM DEBT RELIEF HAS NOT REFUNDED MY MONEY. AFTER I SUBMITTED MY INITIAL COMPLAINT TO THE CFPB, MY INFORMATION WAS SOLD AND I HAVE BEEN GETTING EXCESSIVE EMAILS AND PHONE CALLS FROM FREEDOM AND ITS AFFILIATES. I DO NOT WANT THIS COMPANY HARRASSING ME. I NEED THEM TO SEICE AND DESIST AND I NEED MY REFUND.
Consumer complaint received 2022-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I have been unable to use my credit card since the last 2 days. 
I have been paying all my payments on time and have an excellent credit score. 

After talking to customer support twice, all they can tell me is it is restricted and I can not have an answer for the next 7-10 working days! 

I have been a customer of capital one for well over 5 years and a lot of my payments are deducted through this card. 

I am exasperated that not only have they restricted my account but are also unable to tell me why. I am planning on closing this account. 

Thank you XXXX XXXX
Consumer complaint received 2020-01-16
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. (FL)

THE ACCOUNTS DISPUTED ARE NOT MY ACCOUNTS, THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT REPORT AND I WOULD LOVE FOR THEM TO BE PERMANENTLY DELETED OFF MY CREDIT FILE. PLEASE INVESTIGATE THOSE THAT ARE BEING DISPUTED FOR THEY WERE NOT ACCOUNT THAT WERE AUTHORIZED BY ME. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION TO BE AUTHORIZING CARDS UNDER MY NAME AND SOCIAL SECRUITY NUMBER. PLEASE HAVE THOSE ACCOUNTS PURGED OFF MY CREDIT FILE.