davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (WA)

On or about XX/XX/2020, Navy Federal Credit Union initiated a debit into my checking account in the amount of {$1700.00}. This debit was due to an Unauthorized Debit dispute denied by them. This dispute was denied in error. 

On or about XX/XX/2020, a company named XXXX initiated an unauthorized debit into my account in the amount of {$950.00}. Then, on XX/XX/2020, the same company initiated a debit in the amount of {$780.00}. These debits were unauthorized. XXXX had no authorization to debit my account. 

I submitted a dispute with Navy Federal Credit Union for both transactions, and a credit was placed in my account for a total of {$1700.00} at that time. 

When I inquired as to why Navy Federal Credit Union waited over 60 days to take the money back out of my account, I was told because my dispute were submitted untimely. I was told that since my account was a sole proprietor business account, I only had four hours to lodge an unauthorized debit dispute into my account. However, I had submitted timely requests to them upon finding out these debits were made out of my account. These disputes should not have been denied.
Consumer complaint received 2020-04-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY (GA)

Approximately year XXXX, I obtained a Target credit card. During that time, I lost my business, did not have a job, had a toddler that my wife was home with, my mother-in-law was diagnosed with XXXX and was moved into my house. I was at a bad place in my life and was not able to pay my bills which includes my credit cards. I needed to keep a roof over my head and had to modified my home loan to stay in my home. The home loan went up to 40 years which we had 10 years left on our mortgage. We had to do what we had to and stop paying credit card was the only choice I had at that time. 

On XX/XX/XXXX Target served papers to my mother-in-law whom at the time has been diagnosed with XXXX. My mother-in-law took the package to her room and I never laid eyes on those documents until I tried to refinance my home. When XXXX XXXX did a title search on our home, it came back that we have a lien on our property. We were in total shock as we were not aware that a company can do something like this without our knowledge after so many years. How is this possible to take a non secure debt and put it in a secure debt? This debt was originated back in XXXX and how could Target put a lien on our home from a debt that was so old. When I first got the credit card, the limit may have been around {$2000.00}. When target was done with me, the debt got up to {$12000.00} including all the late fees, court fees, over the limit fees, etc. I have hired a lawyer to try to handle this situation to no avail. Target would not work with us through the lawyer. We were willing to settle and to this day we have gotten no where.
Consumer complaint received 2020-08-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Dear Sirs, XXXX XXXX XXXX is saying I owe them for a charge to me by Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  {$900.00} XXXX XXXX XXXX XXXX  XXXX XXXX .for XXXX for the last 1 1/2 years i thought this was from an old XXXX XXXX account but after farther investigation I came to find out that it was a medical bill and should have been sent by the collection agency to my insurance company and gov. heath agency that handles those type of bills and charges. This bill should not have even got this far in the first place, and if it had been handled correctly to begin with, would have been paid in 2018 and no longer in existence. Due to this wrongful collection my score is XXXX. My credit score is keeping me from owning a home and owning proper transportation which in Texas if you don't have a car you can forget about advancement socially or making your life better. Your left at the mercy of social programs and volunteers and others. So I started investigating the collection that has virtually kept me financially impotent for 2 years.. I tried to file a dispute but every time I did Experian would not let me and then even worse they would erase or delete all my work and research hours of gathering information gone. How? losing all that work and time spent, causing me to feel hopeless and depressed making a person feel like they should giving up. 
I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have XXXX, XXXX, and heath insurance through XXXX XXXX so all of my medical and health related financial responsibilities are covered by those 2 agencies and 1 private insurance company. for 10 years. 
So tell me why has XXXX XXXX XXXX been ruining my life and tarnishing my financial credibility and have for 2 years all opportunities in my social advancements and all financial and monetary gain and will continue to do so for years to come? 
Experian would not even let me file a Dispute against XXXX only after I filed with XXXX  did they follow suit? 
XXXX XXXX XXXX had no phone number or email NO CONTACT INFO.. It has now been updated with a phone number and address
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (FL)

My bluebird card locked on me on the XXXX of XX/XX/2020 I been trying to get a hold of customer service the corporate office anybody associated with bluebird I havent got a hold of anybody its going on 3 days all my money is on that card I cant get gas I cant buy me and my kids food Im disgusted and I want to unlock my card get my money off of th card and close tha account for good
Consumer complaint received 2015-11-06
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Zenith Financial Network Inc (CA)

XXXX and XXXX representatives have been repeatedly calling me and everyone I had listed as references on their application, friends and family, calling them repeatedly, even after they said to stop calling, but continue to call XXXX times daily since XXXX XXXX, 2015. They have also inappropriately shared sensitive information to these XXXX parties.
Consumer complaint received 2022-04-11
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help
Consumer complaint received 2020-04-14
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. (NC)

I contacted Experian via certified mail to inform them of SIX unauthorized inquires to the following that I demanded be deleted from my credit report : 1. XXXX XXXX XXXX inquiry date of XX/XX/18 ) 2. XXXX XXXX XXXX inquiry date of XX/XX/18 ) 3.  XXXX  ( inquiry date of XX/XX/18 ) 4. XXXX / XXXX ( inquiriy date XX/XX/18 ) 5. XXXX XXXX XXXXXXXX XXXX inquiry date of XX/XX/18 ) 6. XXXX XXXX XXXX XXXX XXXX ( inquiry date of XX/XX/18 ) There is NO proof I initiated such inquiries, NOR WRITTEN authorization and have failed to provide any permissible purpose. Therefore the inquiries in my credit report violate the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2020-04-14
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. (CT)

I contacted both XXXX XXXX & experian on XX/XX/XXXX regarding a XXXX account thats in collections that was fraudulently opened up in XXXX per XXXX XXXX. I stated that I can possible be a victim of identity theft for the 2nd time. I made a report to XXXX XXXX Police dept regarding this account. I would like both credit agencies to delete this account of my credit report immediately. I also called XXXX & spoke to a rep and was told none of my information matched what they had. & was advise to call XXXX XXXX & experian which I did.
Consumer complaint received 2020-08-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: DISCOVER BANK (NJ)

Hello, I had credit card debt with Discover Bank in the amount of {$2300.00}. I was contacted by company called " XXXX XXXX XXXX '' XXXX, spoke with a person named XXXX XXXX. This person indicated that they were the new collection agency assigned the debt and if I did not set up payment arrangements with them right at the time speaking with them that they would place a bank levy on my bank account and just take my money. So I gave them my routing and account number and arranged 3 payments in the amount of {$770.00} and the debt would be considered pain in full. Afterwards I was contact by the actual law firm in charge of collecting the debt, XXXX, XXXX XXXX XXXX, XXXX. which then I realized I was scammed and XXXX XXXX XXXX had stolen my money. 

1st payment was an electronic check on XX/XX/20 for {$770.00} 2nd payment was an electronic check on XX/XX/20 for {$770.00} 3rd payment was an electronic check on XX/XX/20 for {$770.00} Total amount stolen {$2300.00} I have not been able to get back in tough with XXXX XXXX XXXX. They will not return my calls. I am not able to find their mailing address. We need to trace where the money went but I don't have the ability to do that. 

I am contacting my bank 's fraud department. I have contacted the law firm holding the debt, XXXX, XXXX XXXX XXXX. I have contacted Discover Bank. I will filing a police report. 

XXXX, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX Office : XXXX Fax : XXXX
Consumer complaint received 2023-01-06
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 was not sent in error. I am a consumer by law and my information was misused and now I have some false, not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Consumer complaint received 2020-06-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX  XXXX & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

This is my 3rd request for written documentation showing my signature on a XXXX form that gives my written premission to obtain these accounts. The credit agency did not follow through with the provided information, instead they sent a letter saying the account was verified as accuarate but failed to say what method was used to verify these accounts as accuarate. Which now the credit agency has violate the terms and law of 15 US code 1681 which is accurancy and fairness. The information provided by mail from Credit reporting agency does not show ACCURACY or FAIRNESS investigation and is a direct violation which therefore must be deleted within 4 days or I will be forced to file civil and hold the credit reporting agency in violation of my consumer rights. Please remove the following accounts as I had stated before, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, please follow and don't continue to violate my right as a consumer and remove the accounts as states in 15 us code 1681c-2
Consumer complaint received 2023-06-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Center, LLC (CT)

On XXXX XXXX my husband got a phone call from XXXX XXXX with Credit Center LLC. She stated there were several outstanding balances for him and XXXX of our children with XXXX XXXX. He asked if she could send documentation and her response was weve already sent out bills, were not sending them again. She asked for a credit card to pay the balance of f almost {$200.00}. My husband told her he would speak to me to see if these bills had been paid. I then called and spoke to XXXX XXXX. I also asked her to send documentation and was told the same thing. I asked her if she was familiar with FDCPA and asked for a supervisor. Her supervisor, XXXX was unavailable, but she would ask her to call me. I am still waiting for that return phone call. I have not received any bills or documentation from either Credit center LLC or XXXX XXXX.
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

Good Afternoon ; I was shocked when I reviewed my credit report and found late payment during this year between XXXX and XXXX of 2020 for 30 days late. Each credit bureaus are reporting that i was late different months. It's not consistent. Something is not correct. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

There is one account reporting on my credit report incorrectly, the account number for the account is XXXX. Date the account was opened XXXX Date the account was closed XXXX. This account and this account only must be removed from my credit report immediately
Consumer complaint received 2022-02-25
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: Experian Information Solutions Inc. (NY)

I have filled a dispute in regard to the incorrect items on my credit report. It has been well over 30 days, and I haven't received any investigation results.
Consumer complaint received 2020-04-14
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: Experian Information Solutions Inc. (SC)

There were recently 6 collection accounts on my report from XXXX. XXXX regarding some collection accounts that I had on my credit report. These accounts disputes and the company agreed to delete due to incorrect information. XXXX sent letters to credit bureau requesting this these accounts be deleted. Out of all three credit bureau only XXXX deleted these accounts from my credit report. I have followed up with XXXX and Experian with follow suit letters with still no response. I am requesting that XXXX and Experian follow suit of XXXX and delete the six XXXX XXXX accounts from my credit report. XXXX and Experian can confirm by reaching out to XXXX to confirm this information.
Consumer complaint received 2020-04-14
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: EQUIFAX, INC. (SC)

There were recently 6 collection accounts on my report from XXXX. XXXX regarding some collection accounts that I had on my credit report. These accounts disputes and the company agreed to delete due to incorrect information. XXXX sent letters to credit bureau requesting this these accounts be deleted. Out of all three credit bureau only Equifax deleted these accounts from my credit report. I have followed up with XXXX  and XXXX with follow suit letters with still no response. I am requesting that XXXX and XXXX follow suit of Equifax and delete the six XXXX XXXX accounts from my credit report. XXXX and XXXX can confirm by reaching out to Equifax to confirm this information.
Consumer complaint received 2020-08-04
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: Experian Information Solutions Inc. (GA)

I continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amounts of the accounts on my report that I know do not belong to me. XXXX, XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX  ), There are also inquires that were not authorized by me : XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX | XX/XX/XXXX. I have contact the FTC and local police and doing this on my own behalf. Please remove these items off my credit report.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept deletions of unauthorized erroneous items instead of taking legal action for the violation clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. i'm unaware of any of this. All is being investigate by the FTC
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

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 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NV)

If disputed this account several times over the years for incorrect reporting that is ruining my credit. I most recently disputed this account a few weeks ago and they continue to report incorrectly. At this point, it is fraudulent. They continue to verify information that is flat out wrong and enough is enough. And the credit reporting agencies continue to accept this fraudulent reporting without receiving proper evidence. This account must be removed from all credit reporting agencies immediately. The 30, 60, and 90-day late information they continue to verify is incorrect. I have told them this several times. To make matters worse, they continue to report that the amount of discharged debt is upwards of {$10000.00}. They know this is information is incorrect as they provided me with the cancellation of debt form that states {$6800.00}. Remove this account from all credit reports immediately.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Since XX/XX/2019, I've mailed each bureau about 3 times to fix some incorrect information on my credit report. The incorrect information is still displaying on my report. I also asked them to tell my how they verified each item and the credit bureau has failed to do it. It's been pretty frustrating seeing incorrect collections hurting my score.