davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I do not know what type of debt this is and I know that I did not open any accounts with XXXX in XXXX. XXXX said in XX/XX/XXXX that I have never held any accounts with them. I received no help from them in getting this off my credit report because the managers I spoke with said I never had a credit card or any other kind of account with them. They refused to help me further since I was not an account holder. As a result, I opened a checkings account. Every representative I have met with has told me there are no other accounts in their system with my personal information and that includes closed accounts. A fraud investigation was opened and I learned that my online banking preferences were being ignored. XXXX representatives said they did not know why I was receiving 10-20 letters from them in a week. I brought every batch of letters unopened to a branch location. The employees said there wasnt anything they could do and they documented the issue. XXXX has never verified if the letters were from them or were fraudulent. All I know is that XXXX could not figure out why my opt out preferences were being over ridden and they dont know why I received duplicates of statements and in some instances I received an entire new batch of letters that I had already received months prior. XXXX waives my monthly account fee while they resolve the incident. My fee was waived for this months billing cycle. 

I dont know if the XXXX account issue detailed above is related or not. The only XXXX information I have is from the account I opened in XXXX. Please note that the rep misspelled my name and that issue is pending correction. The name on the account is XXXX XXXX. 

If someone has an account with XXXX that uses my information, could that be the reason that my account is not functioning as designed? Are my preferences overrriden by another account? Or is someone accessing my account without my knowledge because they have my SSN and birth date? Am I listed on any other accounts? 

The debt is with Portfolio Recovery Associates. The only information they provide is XXXX XXXX reported XX/XX/XXXX, XXXX. The amount has not changed since initial collection attempts and is {$2200.00}. XXXX is XXXX. XXXX XXXX XXXX XXXX XXXX VA XXXX.
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (TX)

Hello, Navy Federal Credit Union 's unable to retrieve my funds via a dispute, for an unused ticket with XXXX. Both the travel agency and bank, confirmed a refund was attempted. However, the bank claims it was rejected based on an incorrect " authorization code. '' On the contrary, XXXX states it was processed on XX/XX/XXXX. Since then, Navy Federal supplied me with information which details, instructions for submitting the payment on an updated card. Consequently, I'm pondered as to why the funds weren't processed into my account regardless, of weather the card was active or not. Even though, a dispute remains in progress with the bank for {$1400.00}. XXXX, I'm concerned my funds have been lost without a valid explanation. At your convenience, would you please assist with recovering my lost funds? 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-05
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. (AZ)

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

XXXX. XXXX XXXX acct # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX acct # XXXX XXXX. XXXX XXXX acct XXXX XXXX XXXX. XXXX XXXX acct # XXXX XXXX. XXXX ( original creditor XXXXXXXX XXXX XXXX acct # 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 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I AM VICITM OF AN IDENTITY THEFT, AND I HAVE BEEN CONTACTING EQUIFAX THE CREDIT REPORTING AGNECY FOR ALMOST A YEAR NOW ASKING THEM TO REMOVE THE FRAUDULENT CLOSED ACCOUNT FROM MY CREDIT REPORT. I HAVE ALSO CONTACTED THE CREDITOR XXXX DIRECT AND THEY HAVE CONDUCTED A REVEIW AND HAVE CONCLUDED THAT THE ACCOUNT WAS OPENED FRAUDULENTLY. THEY HAVE PROVIDED PROOF TO ALL 3 BUREAUS THA THE ACCOUNT SHOULD BE REMOVED. NOW OVER 6 MONTHS XXXX   AND XXXX XXXX HAS REMOVE THE FRAUDLENT ACCOUNT FROM MY CREDIT REPORT BUR EQUIFAX REFUSES TO REMOVE IT. I STRONGLY BELIEVE THAT EQUIFAX SOLD MY INFORMATION AND THEY ARE DISCRIMINATING AGAINST ME. I NEED THE XXXX ACCOUNT OPEN DATE XX/XX/2017 REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-12-13
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. (TX)

This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING EQUIFAX, XXXX, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXXXXXX XXXXXXXX XXXX XXXXXXXX is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to XXXX XXXX XXXX XXXXXXXX according to CFR 1026 regulation Z Billing Error. 
I have asked XXXXXXXX XXXX XXXX XXXXXXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX XXXX XXXX XXXXXXXX has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXXXXXX XXXX XXXX XXXXXXXX should delete all account information they share with Equifax, XXXX, XXXX, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

Since XXXX XXXX XXXX XXXXXXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX XXXX XXXX XXXXXXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.
Consumer complaint received 2024-03-16
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. (FL)

XXXX, XXXX, TRANSUNION Last 4 socialXXXX RE : XXXX XXXX To whom it may concern, I am contacting you account. because I have found some information that is PRIVATE BY LAW on my credit repor You are reporting a late payment on XX/XX/XXXX XX/XX/XXXX on the account ( XXXX XXXX ) .and accordance with the fair credit act XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting the changes. 

Best Regards, XXXX XXXX
Consumer complaint received 2022-11-13
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-11-13
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (VA)

I applied for an XXXX XXXX Credit Card. I was asked to provide documentation to verify myself. I provided the documentation as per the letter. I called to confirm receipt of the documentation. I then received a letter that stated they could not confirm my identity. I called to asked about the denial and was given vague if formation on my credit application denail. I asked specifically why the documentation provided was not sufficient and was given another vague explanation that my documentation was no sufficient. I provided my drivers license ( front and back ) social security card and my XXXX  XXXX. I then spoke to a XXXX and she stated the address was not on my XXXX after several minutes of review. I located the information and explained where it was on my XXXX. I asked was I able to simply provide a clearer copy. They do not allow you to provide clear copies. This is a horrible business practice and seem to be unfair to the clients. My credit now has a credit inquiry that will lower my credit score for 2 years for an application that was declined for an illegality issue. This is ridiculous.
Consumer complaint received 2023-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022.
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: Bread Financial Holdings, Inc. (NY)

i called the creditor that bought the debt that i discovered in XX/XX/2022, they refused to investigate as they did not believe it was identity theft, cant get the closed deragatory account off of my credit report.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have submitted 4 disputes to XXXX  and Experian for reporting inaccurate information my credit report. However, XXXX XXXX is a third party company who sent me a bill stating I owe XXXX XXXX   XXXX  for {$300.00} ; but XXXX  and Experian is reporting I owe {$300.00}. I have sent dispute letters to both credit bureaus to update or remove the inaccurate accounts in XXXX, XXXX, XXXX, and XXXX ; but both have failed to investigate this matter. This has caused my credit score to decrease tremendously and have caused me to be denied credit from other creditors. I have also reached out to XXXX XXXX to validate this debt but they only keep sending me a copy of the bill. I do not recall having this matter or visiting that office.
Consumer complaint received 2020-01-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/2019 I was approved by a XXXX XXXX the Landlord to move-in to a house that I later discovered that was not his. From the XXXX to the XXXX I sent four daily transaction of {$500.00} through Wells Fargo via XXXX. After I paid an accumulated amount of {$2000.00} I discovered that said Landlord did not own the property. I called XXXX to dispute and/or cancel the transaction they said they could not do anything and that I would have to talk to Wells Fargo. So I called Wells Fargo to disputed and/or cancel the transaction. They said they would start and investigation. Later I received a letter from Wells Fargo stating that the result of the investigation came out negative. They refused to give me any money though the transaction was through their platform.
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. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Consumer Opt-Out XXXX XXXX XXXX XXXX XXXX Tx XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My husband and I purchased our honeymoon trip through Capital One 's travel site because they recommend that over directly through the airline. We purchased our flight with our points ( XXXX miles ) but were unable to purchase anything else through their site. No baggage, seat selection or travel insurance. 
We are now experiencing a situation where we can not travel. We have a soon to be XXXX month old   who we are unable to leave with anyone due to a personal situation and we can no longer take our scheduled honeymoon trip as planned. 
I have called 3 times - 2 of which I was hung up on after 30 and 70 minutes of call time. The third time I was transferred multiple times only resulting in them letting me know that while I have travel benefits ( mind you, a travel card ) they do not have trip cancellation. They are aware I purchased directly through them and they do not offer the option of purchasing travel insurance. They have completely washed their hands on the matter and it is up to me to take the loss. I find this unacceptable considering I purchased directly through them at their recommendation and they did not give me the option to purchase trip protection.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO Bank, N.A. (AZ)

I am not able to make online payments on my accounts. I tried calling the customer service number and they also told me that they are not able to process my payment. So I then went in person. I spoke to XXXX XXXX the branch manager at BMO located in XXXX, AZ. After talking to XXXX he also could not process my payment. 

I exhausted all my resources and not a single person can take my payment. Because of this I am running late on my payments. I can not believe this is happening with such a large bank.
Consumer complaint received 2023-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions. (CA)

I received a debt collection letter for a bil that is fake. 
I called the company it is supposedly owed, they said they don't use that collection agency. 
It was sent to my father at my address. the bill was for energy in WY and he's been deceased for 7 years and only lived in CA for 75 years before that. 
See attached photo of bill
Consumer complaint received 2020-01-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC (CA)

Repeated calls from Direct Recovery Services. I am not the person they are trying to reach yet they continue to call. I don't even know whomever they are trying to reach. I've had this phone number for more than 10 years, so there's no way they can claim their information is current or appropriate.
Consumer complaint received 2022-02-24
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)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the XXXX and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXXXXXX I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX, XXXX XXXX Date XXXX Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX