davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 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 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 2023-01-15
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. (AR)

On XX/XX/2020 I was in a car accident that almost killed me and totaled my vehicle. Since the other driver was put at fault in the accident that driver is supposed to assume responsibility and liability for my damaged vehicle. Since that person was uninsured I communicated to XXXX XXXX XXXX what happened and they had no sympathy for my incident and still report the vehicle on my credit as if I still have it. This is unacceptable and is keeping me from getting another vehicle. My consumer rights are being violated. My balance is being listed as {$19000.00} as of XX/XX/ on my credit file and this item is negatively impacting my credit report.
Consumer complaint received 2024-02-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

I had a fraud charge to my claim while I was at work, my card was used for XXXX XXXX I called to get it resolved and was told I needed to submit a fraud claim, which I did. In the XXXX XXXX  my claim was denied and I dont know why. I submitted my police report and other supportive documents. It has been since XXXX and I have yet to hear anything back. On the pamphlet it states claims will be resolved with in 120 days it is well over 120 days and no one at navy federal has any information. Its like they want me to forget about my hard earned money. I have no trust in navy federal at this, which is a bummer because Ive always heard great things about them. I need help recovering my fund from this establishment.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has inaccurately violated my rights. 
Section 604 - 15 U.S.C. 1681b. States that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. 
I applied for this inquiry XX/XX/XXXX and the removal date should have been XX/XX/XXXX, It still has not been removed.
Consumer complaint received 2023-01-15
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 (NY)

I filed a dispute for {$280.00} 2 days ago and it posted to my account. I was told I will get a temporary credit for {$280.00}. Once it post to my account..That didnt happen I was on the phone for about two hours. In the end, they said we can not apply it to the available credit. I told her she is not correct. So basically I have to wait 90 days before the funds are released. So basically I have {$25.00} credit limit until the investigation is over. System will not allow me to make a payment more than {$26.00}. This is not acceptable, and this is very unacceptable. And also when I applied they told me a {$700.00} limit and that was their offer to me only $ XXXXwhen they mail the card to me. Capital one is not following the terms and conditions of the terms. And after five months of having the card they said they will extend credit to {$500.00} that did not happen. This card is not really giving me any benefits and limit is low. My other credit cards are around {$2000.00} to {$4000.00} credit limit.
Consumer complaint received 2021-11-23
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. (SC)

XXXX XXXX XXXX {$370.00} XX/XX/XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX Collections {$83.00} XX/XX/XXXX
Consumer complaint received 2023-01-15
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: EQUIFAX, INC. (TX)

The following inquiries are not recognized and were unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-12-12
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: Solomon and Solomon, P.C. (NY)

This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Consumer complaint received 2021-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (PA)

NAVY FEDERAL CREDIT UNION is trying to collect an alleged debt in the amount of {$12000.00} which I, the consumer do not owe. I am a consumer, a natural person who seeks or acquires goods or services for personal, family, or household use only in accordance with the federal regulation 16 CFR 433.1 ( b ). I am aware that NAVY FEDERAL CREDIT UNION is a creditor pursuant to 16 CFR 433.1 ( c ). I have reason to believe and do so believe NAVY FEDERAL CREDIT UNION has my social security number on file which represents a credit card according to 12 CFR 1002.2 ( k ) meaning that when I provided my social security number my alleged loan debt from NAVY FEDERAL CREDIT UNION has already been paid for.I also have reason to believe and do so believe pursuant to 12 CFR 1002.2 ( a ) my account with NAVY FEDERAL CREDIT UNION is a open end credit plan which means I, the affiant should not have to pay any alleged debt that, NAVY FEDERAL CREDIT UNION claims that I owe. Lastly, I am aware that according to my certified UCC Lien Search from the Secretary of State I, the consumer/debtor dont have any liens against me along with me not having any debt attached to me. This further proves that I, the consumer, do not have to pay this alleged debt that NAVY FEDERAL CREDIT UNION claims that I owe.
Consumer complaint received 2022-11-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I got an email from capital one at XXXX on XX/XX/2022 welcoming me to my XXXX checking account. Another my email was sent at XXXX on the same date saying that my email address has been updated. I did not open a checking account with Capitol One and called XXXX XXXX let them know. A representative from XXXX XXXX canceled the account and put an identity theft alert on the account. I have all 3 of my credits frozen and am not sure how an account was open.
Consumer complaint received 2022-10-04
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. (NY)

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please update these following accounts : 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 2023-12-28
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (SC)

I got a loan for XXXX at titlemax, my pay off is XXXX before I can get my title back.I was paying XXXX a month now XXXX a month on my loan.The XXXX I borrowed is going up instead of down right now my payoff amount over XXXX to get my title if I had XXXX cash right now.If not I will have to continue to make payments of XXXX a month for 46 months.nothing is being applied to my interest.i never have any funds in the account to receive extra cash either.my payment supposed to go down not up.i refinance but still this is ridiculous my rights have been violated and iam facing eviction because of this.My name is XXXX XXXX last XXXX, XXXX number ( XXXX ) XXXX XXXX.title max on XXXX XXXX XXXX.I ask for my payment record and they say they can't find it I have been paying on this loan over 6 months now.
Consumer complaint received 2022-10-04
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. (NY)

In accordance with the fair Credit Reporting act XXXXXXXX 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 XXXXXXXX, 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.
Consumer complaint received 2019-07-08
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: Fidelity National Information Services, Inc. (FNIS) (GA)

I am the victim of identity theft. Upon knowledge of the violation, I spoke with Police and obtained a report, obtained an identity theft affidavit which I had signed and notarized. I included all of the fraudulent accounts as well as my ID and mailed it to the credit bureaus. XXXX and XXXX immediately removed the accounts. However XXXX came back said that my police report wasnt sufficient. XXXX   completely ignored my statements and have refused to remove items from my credit report within the 5 day period as stated on the FCRA. After calling day in and day out to resolve this conflict, a dispute center manager from another country refused to assist me with moving forward and notified me that it will take 45 days for the items to be removed. The items were mailed on XX/XX/XXXX, I was then notified on XX/XX/XXXX that the disputes sat in a P.O. Box for 2 weeks before being opened. These credit bureaus are criminals who outsource vital information to people in call centers who barely speak English. Someone who doesnt have a social security number shouldnt or wont be effective in resolving conflict with the bureaus and consumers shouldnt have to deal with credit bureaus negligence. Customer service reps at all of the bureaus need to be fully knowledgeable about the FCRA and the governing laws that they must abide by. Despite me reading my disputes and going over the FCRA, the dispute manager refused to assist me with the timely removal of the inaccurate info. My investigation numbers are XXXX, XXXX and XXXX. I sent all of my documents together so it SHOULD be under one number but because they are so unorganized they extenuate the circumstances and handle resolutions very carelessly. They must be held accountable. They should also remove Chex Systems information as well.
Consumer complaint received 2022-10-04
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-01
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. (KS)

Despite multiple written requests, the unverified accounts listed below continue to reporton my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but Inever received a response from them. These accounts must be validated in accordance withSections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will takelegal action against them. Please follow the law so that this matter can be resolved as soonas possible. XXXX XXXX Balance : {$30000.00} ; XXXX Balance : {$16000.00} ; XXXX XXXX : {$17000.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$620.00}.
Consumer complaint received 2019-12-12
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. (NY)

This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Consumer complaint received 2023-12-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (IN)

my fianc purchased vanilla visa gift card for XXXX $ dollars to gift to me on XXXX. we tried to use the gift card at XXXX and card was declined for XXXX $ over 6 times we tried calling the company that makes the gift cards and werent able to speak to a representative after trying for hours they just kept hanging up. then tried to wait another 24 hrs just to see if it was the activation process. after finding out that it wasnt we even tried calling the store that sold it to us to be told there was nothing that they could do. we called visa, the vanilla company, even the hq of the store that sold it to us and still got no assistance with compensation or a replacement card.
Consumer complaint received 2022-10-04
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. (TX)

ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION.

( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, XXXX, AND EXPERIAN. ) 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.

ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES.

UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION.

ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. 
XXXX, XXXX, EXPERIAN, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : 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 FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, XXXX, EXPERIAN, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE.
Consumer complaint received 2021-12-17
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. (FL)

On XX/XX/2021 I got a message saying that my XXXX score had dropped XXXX point due to a Late Payment in one of my accounts. This is completely false and incorrect, all of my accounts are current. I Contacted XXXX and Transunion they went through my credit report and said that I was right, that all of my accounts were up to date, that they didnt know why my credit score went down or why a Late Payment note appears on my credit report. They didnt give me any solution towards removing this false information, they only said that they couldnt do anything about this note on my credit report. This is affecting me tremendously and this false information is suppose to stay there for 7 years.
Consumer complaint received 2015-07-21
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC. (IL)

Equifax and XXXX ( XXXX separate companies and services and charges yet identical products ) enrolled me unknowingly in their credit monitoring program and charges my credit card {$1400.00} a month. My credit card was recently changed and a new card was sent to me with a new number. Equifax and XXXX obtained my new credit card number without my knowledge. Either XXXX provided it to them without my consent or somehow they obtained my credit card number from someone else. There is no clear way to cancel this service, presumably since it 's an unwanted service and a legitamate yet scamming service.
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION (AL)

I had a account with regions and I stayed getting a overdraft charge they couldn't explain where and how i got them I went and talk to a representative in the bank he was very rude and told me it's nothing he could do until I pay the balance
Consumer complaint received 2023-01-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

Some draw near XXXX from my business checking accountson XX/XX/XXXX, wells fargo returned most of them but {$23000.00}. I could make pay payrolls, rent and paying vendors. 
The bank told me that's too much money and can't help with that. 
They called XX/XX/XXXX, they will close my accounts because I am complaining too much... OMG.
Consumer complaint received 2021-11-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (CA)

My loan servicer is the Gregory Funding LLC. The origignal lender is-XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. All my mortgage payments made until XX/XX/2020 were hid, converted and never reported/disclosed by the Lender to all 3 Credit Bureaus XXXX As a result of COVID-19 global health outbreak, I was hit hardest, struggle with extreme hardship, as indicated in attached letters. I asked the Lender under CARES Act for the Forbearance or other repayment plan. Three times I mailed a full package substantiating the proof of hardship attached with the Forbearance Agreement. The Gregory Funding LLC and XXXXXXXX XXXX XXXXXXXX received, verified and confirmed full satisfactory evidence for further processing. Thereafter the Lender defrauded and cheated me, by accelerating a Forelosure proceeding. Please review the attached and contact the XXXX. Please review the XXXX website for alarming records of other victimized homeowners complaints against the Gregory Funding LLC. That raises a red flag. The Government keeps a blind eye over this suspicious company.