davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

I need my files re reported 3 months too long cant wait no more especially if Im paying on credit builders to report I need a special reporting I can not wait until billing statement I didnt hesitate on my end neither should they. XXXX XXXX isnt reporting an account to Equifax im on month 4 I deserve a special reporting for the inconvenience. XXXX  hasnt updated a balance in months its supposed to be {$480.00} on all XXXX bureaus the only bureau thats correct is XXXX. I have put XXXX screenshots to reference what XXXX XXXX is supposed to look like on all XXXX bureaus. Please report a complete file to both Equifax and XXXX. I was looking to get another home soon and now I cant because my file is messed up no one should have to go through this and wait so long for it to get resolved. Ive wasted so much money buying credit reports checking to see if my accounts and payments would be report and they didnt this is very very unfair and unfortunate. Hopefully this can be resolved.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX, I contacted Experian in regards to my certified letter submittal to suppress fraudulent accounts on my account as stated in subsection 605B in the Fair Reporting Credit Act. I contacted then XXXX and again at XXXX which lasted for 40 minutes, XXXX, supervisor in the dispute department hung up on me when I asked him to restate his name to be sure. USPS site states that Experian XXXX XXXX XXXX received my letter on XX/XX/XXXX at XXXX XXXX. In my quest to see that what the status was, I was informed that my letter was never received, I tried uploading it as well, to ensure that the lie " we never got it '' would work, the upload would not work for neither police reports os FTC Identity Theft report together to separately and the were under the 15mb size requested and all were PDF files. I requested to be sent to the fraud department which is what's stated on their site with these issues to be advised they opened a dispute according to section 611 as if I was disputing information that the creditor reported was erroneous in history but valid in ownership, which is FALSE. I provided the agent my FTC report number as well, on the second cal I requested to speak with a supervisor in the Freeze department as researching online the XXXX XXXX XXXX could possibly belong to that department, thats when I was transferred to XXXX and hung up on after I requested his name again and was not called back. My rights are being violated by Experian and has been since XXXX, as I have filed letters requesting physical documentation they received validating the debts and never received them according to section 609 of the fair credit reporting act as well.
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 — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XXXX XXXX XXXX WALMART KOHLS AND XXXX XXXX XXXX I WON IN COURT AGAINST XXXX XXXX TO HAVE INFORMATION REMOVED FROM MY CASE IT WILL BE ATTACHED TO THE INFORMATION ON THIS CASE AND XXXX XXXX  I NEVER HAD AN ACCOUNT WITH THEM EITHER THE OTHER 2 ACCOUNTS WAS LISTED BY ONLINE FILING I AM NOT AWARE OF THOSE ACCOUNTS I am a secured party and the only person duly authorized with superior rights To add and remove things off of my property credit report. I as the Secured Party have a private security agreement valued at XXXX XXXX dollars and a copyright and trademark on name the Debtor XXXX XXXX XXXX And any derivatives thereof. I also have a UCC 1 Flied With the state of Ohio To protect my security interest. These companies do not have the authorization, From me, no contract, or consent for me to use my property and report it with these bureaus. This is notice to you to you to remove these companies information off of the Debtor XXXX XXXX XXXX credit reports as it affects/injures Me, the Secured Party. Any corporation or natural person who, By Coercion, Threat of force, or demand, requires an Employee, trustee, or fiduciary of the trust to perform, produce material, answer, comply with, or act in accordance with any particular Act set forth in the secured party fee schedule, shall be assessed according to corporate capacity for their actions, and further actions may be subject to parallel Claims of criminal activity including piracy, slavery ( suretyship ), trespassing, Breach of fiduciary duty, perjury, misprision a felony, RICO, and forfeiture. The only way any Corporation may post on my credit report is if I give the credit agencies consent to post
Consumer complaint received 2023-05-09
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)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MA)

I have made all my payments within the month of requirements. I was not late over 30 days for any month I was working. If they are correct which I doubt because my loan payment is up to date. I am asking of goodwill to please fix as I may have had a hard time and wanting to change my job so it may have went pass the date required. Over all Im grateful and want to have better credit for when I return for another toyota.
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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

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

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2021-12-29
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

Navy federal credit Union logged on my account on XX/XX/XXXX and transferred {$1000.00} Dallors to a credit card that I gave them XXXX Dallors to start already. They wont let me file a claim I did not authorize this i did not give them permission to log on my account from a XXXX web browser.
Consumer complaint received 2020-01-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (TX)

XXXXXXXX XXXX sent the Medical - Dental - account to Allied Collection Services, the Collection Agency. 
Prior, I did not receive notice of the debt being forwarded. On many occasions, Id requested that XXXX XXXX the original creditor validate the debt i.e original contract if any or services received accompanied by the actual charges but never received any response from the Dental Office. 
The Creditor is unable to validate the debt and I do not recall the charges or the amount. 
Since reporting with Allied Collection Services that amount had escalated in comparison to letter Id received from XXXX XXXX. These false statements and representations are adverse to my credit, in addition to the company 's inability to verify the debt and prove they are trying to collect an amount not owed or the wrong amount.
Consumer complaint received 2020-01-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A. (FL)

Loan request was with Flagstar Bank, N? O/O purchase, {$310000.00}, 25 % down payment. 
Loan was approved and conditioned which we satisfied and upon receipt, additional conditions were required and met yet loan was not cleared to close. Evidence was provided to lender that all conditions had been satisfied. 
We applied with another lender and closed XX/XX/2020.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc. (TX)

I made a dispute in XXXX of XXXX regarding two transactions from XXXX. I did NOT receive the merchandise. I contacted XXXX and made them aware of the fact I did NOT receive the merchandise. I later lost my card and XXXX indicated they could not issue the refund due to this and I needed to contact my card holder account. I responded to the disputes and was never contacted by Avant. I learned today XX/XX/XXXX Avant had charged back the items to Me. Im NOT paying for something I did NOT receive. I want this refunded ASAP
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. (CA)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian was dated 12/19/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX Balance : {$100.00}
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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

Sam 's club credit master card issued by Synchrony Bank, last XXXX digit card # XXXX, i order a XXXX XXXX from Sam 's club through on line on XX/XX/22 but quality not same i ordered on line then i called Sam 's and returned it as per discussion on Sam 's, XXXX picked up on XX/XX/22, XXXX ref # XXXX dated XX/XX/22 and Sam 's XXXX request ref # XXXX dated on XX/XX/22, i talked to Sam 's club credit department to get my credit to account but they said it will take time XXXX to XXXX weeks but i don't any credit yet, i called today on XX/XX/22 and her name XXXX, she said she's XXXX of department, she said case closed? not sufficient documentation, so i asked XXXX please XXXX this case, so i can get my refund amount to my account as your earliest convenience, I have all document if you need i'll send it to you. 
Thank you in anticipation, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Texas XXXX ph # XXXX XXXX XXXX ( Home ) XXXX XXXX XXXX ( cell )
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to file a formal complaint regarding an account reported by XXXX XXXX XXXX XXXX on my credit report. This account is a result of a credit file mix-up and does not belong to me. Despite multiple disputes, the account continues to be verified or updated on my credit report, rather than being deleted. 

I have thoroughly investigated this matter and have determined that the account actually belongs to a family member, not myself. I have received a letter from XXXX XXXX XXXX XXXX requesting the deletion of this account from my credit report, confirming that it was reported in error. 

I am deeply concerned about the impact this reporting has had on my credit standing and financial well-being. Despite my efforts to resolve this issue through the dispute process, the account remains on my credit report, which is unfair and unjust. 

Therefore, I am requesting the following actions : Immediate deletion of the account from my credit report by XXXX XXXX XXXX XXXX. 
A thorough investigation by the Consumer Financial Protection Bureau into the handling of this dispute by XXXX XXXX XXXX XXXX and the credit reporting agencies involved. 
Any necessary remedial actions to rectify the harm caused by the erroneous reporting of this account. 
I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take appropriate action to resolve this dispute in a fair and timely manner.
Consumer complaint received 2020-01-08
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A NEGATIVE ACCOUNT THAT WAS REPORTED ON MY CREDIT THAT DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF IT. IN NO WAY IS THAT ACCOUNT CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS NEGATIVE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-02-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/XXXX our principle balance with Suntrust Bank for account ending in XXXX was {$31000.00}. On XX/XX/XXXX we attempted to call to get a payoff on the loan. We called and Suntrust had a message stating that their system was down due to the planned merger with Truist. We called Truist and got the same message. The Finance Manager at XXXX XXXX in XXXX, MD was also unable to get a payoff because the entire system was down. 

On XX/XX/XXXX a payment of {$340.00} was applied to the account. 

Today, we logged in through Suntrust which took us to the new account with Truist with account ending in XXXX. The balance was {$31000.00}. That was nearly {$400.00} increase in 7 days, AFTER a {$340.00} payment. With our low interest rate, that is simply not possible. 

We called Truist on XX/XX/XXXX to find the cause. We are unable to look at any statements which were paperless. Truist has deleted all of our previous statements. We have a screenshot from XX/XX/XXXX, but otherwise no way of accessing our data. Truist was unable to account for the {$380.00} increase to our balance that occurred during their systems transfer from Suntrust to Truist. 

Attached are screenshots from Suntrust ( note account number ) and Truist.
Consumer complaint received 2020-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: NAVY FEDERAL CREDIT UNION (VA)

In researching the most recent class action lawsuit against Navy Federal around how they handle overdraft fees, I'm convinced that multiple transactions in the month of XXXX and last year were handled inappropriately. Specifically, items were in a holding status for multiple days allowing fees to be assessed each day to avoid the maximum fees in one day. In the month of XXXX, I was assessed XXXX in fees. Last year I was assessed hundreds of dollars in fees, Navy Federal intentionally did not post my direct deposit so they could assess more fees. 

I'm extremely concerned that today XX/XX/2020 someone who owed me money called Navy Federal to transfer funds to me. Navy Federal provided this individual very personal details regarding my account and identity. Specifically, a Navy Federal rep provided an estranged member with my home address and other sensitive details related to my identity. I am astounded that Navy Federal would put me in danger by releasing these details without my permission and who is not on my account.
Consumer complaint received 2018-03-05
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: Northstar Location Services, LLC (CA)

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts
Consumer complaint received 2022-11-12
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. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX  and The Internal Revenue Service my personal information was exposed in both of their data breaches. XXXX, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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: HW Holding, Inc (TX)

XXXX XXXX XXXX XXXX IS UNKNOWN TO ME I NEVER HAD AN ACCOUNT WITH THEM AND I CALLED THEM THEY HAVE NO INFORMATION FOR ME I DONT KNOW WHY IT WONT REMOVE FROM MY REPORTS XXXX AND XXXX WILL NOT REMOVE FROM MY REPORTS I HAVE NO HAD AN ACCOUNT WITH THEM THEY SHOWN IT AS ACCURATE I DONT KNOW WHAT IT IS I HAVE EXPERIENCED FRAUD. ITS PREVENETING ME FROM FINDING A PLACE TO LIVE.