davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-23
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: NAVY FEDERAL CREDIT UNION (TX)

I brought a check from the irs of {$200000.00} on XX/XX/23 the banker told me that my money will be available on XX/XX/23 .But when I went home I had to add my sisters account so that I can transfer her some money. I dont see anything wrong with me transferring money to my sister .So when I got to the bank in the money cause I had to withdraw and make a cashiers check .While the block my account. I waited 2 hours .The bank unlawfully started questioning me .They said because of your age and the money of money and Im a XXXX XXXX. I know it was quick that I wanted to get the money but its mine money .They cleared the check with the IRS.Once the IRS cleared it thats why they made it available.The check is 100 % legit I called the IRS they said its already cleared .And today after a trip to the bank my account was overdrawn cause they reversed my check after I even withdrew from the cashier that afternoon.Navy Federal staff are practicing discrimination and unlawfully using their judgement instead of using the law.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

The individual consumer Plaintiffs identified below ( collectively, Plaintiffs ), individually and on behalf of the Classes defined below of similarly situated persons, allege the following against XXXX Equifax XXXX, Equifax Information Services LLC XXXX XXXX ), and Equifax XXXX XXXX XXXX ( XXXX ) ( collectively, Equifax or Defendants ), based upon personal knowledge with respect to themselves and on information and belief derived from, among other things, investigation of counsel and review of public documents as to all other matters. INTRODUCTION XXXX. Equifax plays a central role in the modern American economy, collecting and selling vast amounts of data about the most important details of consumers financial lives. That datanames, birthdates, Social Security numbers, credit card information, drivers license numbers, and morecontains the keys that unlock a consumers identity and is relied upon by third-parties to make major financial decisions affecting almost all Americans. Equifax understood it had an enormous responsibility to protect the data it collected and assured the public that : At Equifax, the security of our customers information is paramount. But, as its former XXXX has acknowledged, Equifax has not lived up to that responsibility or fulfilled its public assurances to protect Americans confidential information. XXXX XXXX XXXX. The individual consumer plaintiffs identified below ( collectively, Plaintiffs ), individually and on behalf of the Classes defined below of similarly situated persons, allege the following against XXXX Equifax XXXX, Equifax Information Services LLC ( XXXX ), and Equifax XXXX XXXX XXXX ( XXXX ) ( collectively, Equifax or Defendants ), based upon personal knowledge with respect to themselves and on information and belief derived from, among other things, investigation of counsel and review of public documents as to all other matters. My Personal information have been compromised. Etc.
Consumer complaint received 2024-06-23
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Debt Mediation, Inc. (GA)

in accordance with the fair credit reporting Act this account professional debt mediat is still reporting on my credit this account has violated my rights to privacy 15 U.S.C. 1681 section 604 A sections 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions. please delete the account off my report.
Consumer complaint received 2024-06-23
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: OneMain Finance Corporation (FL)

I was notified through email of a loan company doing a hard pull to my credit report. I now have a hard inquiry attached to a loan company that I have no acknowledgment about it. I did not authorize this.
Consumer complaint received 2024-02-23
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/XXXX I received my Nordstrom card statement and noticed that there were purchases made on my card I immediately contacted Nordstrom card services and made them aware of this situation and filed a fraud claim on XX/XX/XXXX I paid off the balance of the charges that I owed then on XX/XX/XXXX I received an email from XXXX XXXX who asked me a few questions then proceeded to tell me my fraud claim was closed and that I was responsible for these charges I did not make she said the address had been used before and that made me responsible even though the package wasn't in my name confirmation never came to my email and I told them I never gave anyone permission to use my card she said that I needed to contact the person who lived at the residence the package was delivered to because they owe me money after that I asked to speak with a supervisor and never received a call I then called back on XX/XX/XXXX and spoke with her supervisor XXXX who said that they worked this case together and with the help of customer service they came to the conclusion that this is not fraud that I needed to contact the online customer service and tell them I never received the package and have them put in a lost package request in which is fraud all on its own because I never even ordered the package or gave permission for it to be ordered which is clearly a fraud claim I just want my money back I'm not paying for someone else 's orders ps customer service team can't even find the orders on my account seems like fraud to me
Consumer complaint received 2017-06-02
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: U.S. BANCORP (KY)

They have called and threaten to seize my accounts, to come to my work and home if i do n't pay the account by  XXXX   XXXX  today. I 've asked them not to call as well as told them this has already been paid, in  XXXX . They refuse to give me the name of their company and when I look it up it is a cell phone they are calling from. Last contact was today  XXXX / XXXX / XXXX  around  XXXX .
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX Account # 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I received an email indicating I applied for credit at XXXX in morning. I looked at my credit report and noticed inquiries that I did not do. XXXX XXXX AND XXXX. I complained to TransUnion before and the inquiries were not removed. Now there is a new inquiries ( XXXX  ) on my account.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and XXXX.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (PA)

THD/CBNA Account type - Credit card Date opened - XXXX XXXX XXXX  Address THD/CBNA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX Above Account created under THD/CBNA without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please.

According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Consumer complaint received 2021-12-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Finco Holding Company LLC (UT)

On XX/XX/2021 XXXX XXXX mst I received an email from the Equitable finance company in XXXX Utah which is attached that today your auto loan is 29 days past due and I needed to contact them to set up a plan so we can avoid further action. The company has disabled the car on XX/XX/2021 2 days after their 10 day grace period. We contacted them immediately to find out what is going on at that time they encouraged us to form a plan of borrowing money from our parents our friends our family anything just to get them paid we explained multiple times we don't have those options that if they would just reenable the car that I would have a job in no time but they wouldn't hear anything except " we have your money '' like they were drug dealers or mob bookies. We have paid them XXXX as of today and loan amount is XXXX and are absolutely unwilling to work with us in any way shape or form we pay an interest rate XXXX or XXXX unsure which since they are both on the contract. Whenever we ask the company for clarification on anything on the contract they know nothing. Fast forward to XX/XX/2021 XXXX mst my daughter was on her way to work and comes inside to inform us that there is a tow truck getting our only car. When I went outside the 2 boys who were doing this began to panic and when I asked who they were neither would answer the one operating the controls looked down and would look up again and the other asked me for the key I refused and asked what he was doing and was again ignored so I went inside to call the equitable finance company I was put in touch with the asst manager who knew nothing of the repossession that was currently happening her boss which knew nothing kept being referred to refer to your contract and I have referred to the contract there is no provision that 29 days is repossession time there is nothing in the contract whatsoever to remedy such acts the contract is as basic as it gets when asked what their policy is their responses always well we're a subprime blah blah blah blah blah when pointed out that subprime is not a legal term but a banking term they become dispondent and act like they don't understand what I mean at this point the manager gets on the phone and repeats endlessly that this is a subprime loan company refer to your contract and that's the end of that I have tried for 2 months to work with them and gotten nowhere
Consumer complaint received 2022-01-25
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. (MD)

On ( XX/XX/XXXX ), I wrote a letter informing the bureaus of inaccurate information on my credit report. Now to date over 30 days later I still have not heard back from them and feel like I am being taken advantage of. It clearly states in Section 611 ( a ) that after 30 days any items on my report not verified must be removed indefinitely. They have failed to do so. I demand that these items are removed immediately, if this matter is not handled I will be forced to push this matter into litigation due to the trouble I am having with this situation. My information was also impacted by the XXXX data breach a while back so my information could be in the wrong persons hands.
Consumer complaint received 2022-12-12
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. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 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 2023-06-20
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: PNC Bank N.A. (MD)

I XXXX  " best student loan interest rates '' and came across a website that listed various student loan providers and a range of interest rates that they offer. PNC had a link that said something along the lines of " see what my rate would be, '' and I clicked on the link because I wanted to know what rate I could get on a student loan before formally applying for the loan. 

The link brought me to PNC 's website where it asked me personal information about XXXX wife, and I thought I needed to enter said information in to see what rate I could get on a student loan ( my wife was the borrower and I was the co-signer. ) Unbeknownst to me, the website PNC brought me to was a full on student loan application. I feel very misled as I thought I was filling out an application to see what my rate would be, but instead, was filling out an actual loan application. Not only is a " see what my rate would be '' link that is actually a link to the loan application misleading, but my wife and I 's credit score were dinged because PNC hard pulled both of our credit scores, even though I had no intention of applying or a loan ( unless the rate they would offer me was low enough. ) I'm very frustrated at how I was mislead to believe I was checking out what rate I could receive, when in reality I was applying for a loan.
Consumer complaint received 2021-12-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I demand these INQUIRIES be deleted immediately from my credit profile. If not I will file for monetary damages because you are in violation of my rights of privacy. US code 15 USC 1681 ( a ).
Consumer complaint received 2023-07-05
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: EQUIFAX, INC. (MD)

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. 

( acct ) XXXX Account number # XXXX ( inq XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-06
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. (NC)

I received my credit report in search of trying to improve my credit. After reviewing my report I notice a few inaccurate information and accounts I have never heard of that is being reported. According to the FCR15 USC 1681 ia, I read I have the right to a fair credit report and if they can not provide proof these accounts must be deleted. I also read I have a right to privacy as well as the following hospital bills that was sent to collections violated my HIPPA rights. The follow accounts has violated my rights by not reporting information accurate and/or I do not have knowledge of the creditor on my report. 
ACCOUNT NAME ACCOUNT # XXXX XXXXXXXX -XXXX XXXXXXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXXXXXX ) XXXX
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been disputing this account information with XXXX and XXXX XXXX and TransUnion. This account information is completely wrong. It is directly violations my consumer rights. I pulled my credit report with annual credit report and 2 credit bureaus are showing this account as open and one credit bureau is showing closed. I sent this info to XXXX XXXX and they are saying the info is correct. It is also saying my last payment date was XX/XX/2023 for two credit bureaus and XX/XX/2023 on another. For example, I attached my XXXX credit report that I pulled from annual credit report today. The this closed account is still showing open. It also shows the last payment of {$500.00} was on XX/XX/2023. Please see pages 18 and 19 of this document.
Consumer complaint received 2023-07-04
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: EQUIFAX, INC. (FL)

I submitted a letter to the Credit Bureaus to correct 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/2023 I sent a letter to the courthouse asking them if they report bankruptcy to the bureaus, they responded with a letter saying they do not report to any reporting agency. If thats the case how was this account verified? This further explains that there was not a fair investigation but ion according to USC 15 181 sec 603 E states. The term investigative consumer report and portion thereof. are obtained through personal interviews 15usc 1681 section 602 states that I have rights to privacy 15 USC 1681 604 a section..
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp. (TX)

Changed from XXXX XXXX XXXX XXXX XXXX XXXX cancelled my XXXX XXXX. Received constant bills for XXXX that I owed XXXX on my bill. I tried calling and speaking to customer svs at XXXX and they said they can no longer talk about it as the debt was referered to a debt collection. I called the collection and they said I need proof I did not pay. I have no proof. They show a bill with no detail on service I used. I paid all my bills. I do not owe them any money. Constantly receiving XXXX debt collector calls and letters. It is messing up my perfect credit. If I owed I would pay but I do not owe. So long ago I have no records on this as I was paying online. I pulled a report from XXXX and see no negatives on me but when I apply for XXXXXXXX XXXX I was dissaproved. There decision was obtained from consumer agencies. XXXX is misinformation on my credit bureau that is not correct. I tried calling XXXX. XXXX XXXX and they advised me to contact my credit breau. I am lost on how to resolve this issue. Again, I do not owe XXXX to XXXX. Thank you in advance for your assistance.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion is reporting a derogatory " late payment '' from XXXX XXXX, but the account is charged off and closed. This account must be deleted immediately for FCRA violation.
Consumer complaint received 2021-12-18
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 been the victim of identity theft I have accounts on my credit report that I have no knowledge of this is extremely frustrating I have contacted the bureaus and have not heard any response as of yet I need these accounts remove and a freeze placed on my credit file so nobody can use my credit without my permission I am desperate can not believe this has happen to me