davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
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: NAVY FEDERAL CREDIT UNION (FL)

It looks like NFCU is up to its old tricks and didn't learn their lesson back in XXXX when they were fined {$28.00} XXXX for deceptive debt collecting practices because as of XX/XX/XXXX, NFCU randomly closed my account ( XXXX ) and illegally froze all funds and my access without any warning. My debit card, ATM usage and online account functions were blocked and inaccessible without adequate notice. 

On XX/XX/XXXX, NFCU mailed a letter to me that states they have no alternative but to recommend [ Account # XXXX ] for legal action. based on a delinquent account. The letter also implied that I will find it difficult, if not impossible, to obtain additional credit because of my present unsatisfactory credit rating. NFCU did not analyze my credit situation before sending me the letter. This is in Violation of Section 1036 ( a ) ( 1 ) ( B ) of the CFPA, that prohibits unfair, deceptive, or abusive acts or practices. 

The injuries I have sustained were not reasonably avoidable because NFCU 's policies and practices regarding electronic access and service restrictions were never adequately disclosed to me when I opened my deposit accounts, credit accounts, or before I became delinquent on a credit account. NFCU 's electronic account access restriction activities, constitute unfair acts or practices in violation of sections 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA, 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( 1 ) ( B ).

On January 1, 2023, NFCU failed to cease and desist all forms of communication, reporting these inaccuracies on my credit report. This is in Violation of 15 usc 1692 ( c ).

Lastly, both the CRA 's and Creditors did not have permissible pursuant to 15 US Code 1681b : a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have contacted the Attorney General 's Office, XXXX and the CFPB TWICE and nothing has changed. 

The {$28.00} XXXX was just a slap on the wrist for NFCU. I highly recommend that they learn a lesson by way of stiffer penalties and fines. 

I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as NFCU willfully violated its obligations under the FCRA.
Consumer complaint received 2022-05-23
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. (NC)

In accordance with the fair credit reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  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
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I feel that I am being ignored in my requests to have outdated information removed from my credit report and I am taken aback by this unprofessionalism. After I wrote Transunion a dispute letter in XX/XX/XXXX to their offices in Pennsylvania I later sent a dispute via this secure website, please see dispute 's # XXXX and XXXX. I felt as though their responses were very generic and that was frustrating for me. I was told in both emails that they would get back to me and they have not. I can not imagine how the disputes were closed without any valid information in it and another was marked as a duplicate. Who is allowing them to get away with this? Is this a legal and proper response? The accounts still have no remarks of disputes and the status ' have not changed since XX/XX/2012, that tells me no investigation or confirmation of information was obtained. I was forced to provide my feedback both times discussing how Transunion handled my disputes and I remarked that they did not address my issues or conduct and investigation 's with the companies or included inscriptions and procedures. Which is why my 2 feedbacks mentioned that this agency did not do what they said they would and I also gave my feedback that I do not understand their response or their results because I see no change.

I am referencing XXXX/XXXX # XXXX
Consumer complaint received 2024-02-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: PNC Bank N.A. (TX)

XX/XX/XXXX Opened a XXXX with XXXXXXXX XXXX  for {>= $1,000,000}. 
XX/XX/XXXX went to a PNC Bank to inquire where my CD was. They told me to snail mail Pennsylvania, and I did. I did return receipt requested and received the signed green receipt but never a response. 
XX/XX/XXXX I was told XXXX XXXX and XXXX XXXX who are with PNC would look into it. 
XX/XX/XXXX I was told they could not find anything but also could not confirm what happed to the money. Said it may have been escheated back to the state. I checked. It has not. 
XX/XX/XXXX I went to another PNC bank in XXXX XXXX and spoke with a manager named XXXX. She said the funds would not have been saved and given back to the state. They looked it up and nothing was found. They they said I may have to hire an attorney.
Consumer complaint received 2024-03-07
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. (IN)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2022-05-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Modlin Slinsky, P.A. (FL)

Hello, I have a judgment against me from XXXX XXXX, Florida filed by XXXX XXXX, P.A in 2018 representing two XXXX credit card debts. 

One is XXXX, the other is XXXX... proximately. 

The issue I have is that during the past years, they have sent me several settlement offers which I have accepted XXXX times now but they are just " tossing '' me around by phone when I am asking to finalize the offer that I accepted. Last week my bank account got garnished leaving my bank account empty with XXXX dollars. I am a single dad with a XXXX XXXX XXXX daughter, and now we have XXXX $ and I don't even know what to do. I have called an attorney this morning, but since I have XXXX $ there is nothing I can do since they need to be paid. ( I don't qualify for free legal service ). 

This was not the first unfear and unethical action from this debt collector. They have wrongfully garnished my ex-wife 's account years ago when I had to hire an attorney to get the money back. 

This debt collector doing its job, however, they are manipulating and misleading, giving missed information and since their offer was accepted by me three times over the phone, at this point this is abusive. Any time I call, they listen to me, and they say they will get back to me but never happens anything. 

I really could use some help here, hopefully, you guys have something for me, and maybe I can help others who became the victim of Modlin 's harassment, abuse, misinformation, and manipulation.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have not been able to pull my credit report or lift my credit report for over 30 days. First they claim it's because there were open disputes, then they claimed I changed my pin to lift freeze, now they are uncertain way it was changed or ever lifted.
Consumer complaint received 2021-11-19
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: Nelnet, Inc. (FL)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2022-05-23
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: EQUIFAX, INC. (OH)

On XX/XX/2020, I contacted Equifax about the following negative accounts XXXX XXXX XXXX  ( Date Opened : XXXX XXXX XXXX Balance : {$560.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXXXXXX XXXX, Balance : {$230.00} ), XXXX XXXX XXXX Opened XXXXXXXX XXXX XXXX, Balance {$15000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2022-05-23
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. (AL)

XXXX XXXX  Reporting car note a 9 late payments when the car is paid off and has been and they have said several times they will remove it and havent its been over a year and its hindering my credit from moving
Consumer complaint received 2022-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (PA)

I was sent an offer to open a checking and savings account at TD Bank and earn up to a {$500.00} bonus if I made direct deposits of at least {$2500.00} within 60 days ( which I did ) and deposit at least {$20000.00} of new money into a new savings account within 20 days ( which I did ). 
I live 5 hours away from any of the banks offices and so the only way I could deposit the money was to send it to my checking account at this bank and then transfer it into the savings account. I called their customer service and explained that I could not directly transfer it to the saving account and they suggested this method was they way to do it. 
My bonus of {$500.00} has not been posted and the TD Bank said it would within 140 days of account opening. I opened the account on XX/XX/2021 and today has been 166 days. I have called three times and asked them for the money and they have yet respond. 
I feel they have violated the Unfair and Deceptive Acts and Practices ( UDAP regulation ) and refuse to follow through with their agreement
Consumer complaint received 2022-05-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract XXXX XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX XXXX  and myself! Please send the proper validation
Consumer complaint received 2021-02-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau Data, Inc. (TX)

This was a medical debt that was incorrect and excessive. As a measure of good faith, I paid the amount owed directly to the creditor. Although paid, directly to the hospital, a collection agency is still attempting to collect.
Consumer complaint received 2022-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MI)

On Monday, XX/XX/2022 I attempted to access my Experian online account using my username and password. I was unable to sign in and even after repeated calls and going through their systems requirements to reset username and password wasnt able to get anywhere. In fact there was no way I could access a real live person to give me help. It was a continual loop which took me back to the same place time after time. They send me regular emails so I know I am a client of theirs. It is extremely frustrating. 

At this point I am without any options at all either online or via the phone. It appears they are making it as difficult as possible to get in touch with them. I am not willing to write a letter to get access to my account online. I need someone to call me and fix this problem in a professional manner.
Consumer complaint received 2018-09-26
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: Experian Information Solutions Inc. (TX)

I recently had two companies put a inquiry on my credit Experian credit report unauthorized on XX/XX/2018.

XXXX XXXX XXXX XXXX : Address XXXX XXXX XXXX XXXX XXXX, Tx XXXX Phone : XXXX   I contacted this Bank and spoke with several departments and they said they do not have any application on me and that they don't know who pulled my credit and refused to give me a letter showing that, so I could give to Experian because they said they cant give me a letter due to I haven't filled out any application. I don't understand why my credit was pulled by them in the first place. I want this removed from my credit and have exhausted every other option and Experian suggested I contact y'all.

XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX  Phone : XXXX Never heard of them before, will not answer the line given above. This company seems to be a scam artist. I have called everyday and a ladies voicemail name XXXX  is all you will get. They were not authorized to pull my credit. I need some help here.
Consumer complaint received 2019-07-29
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I opened a dispute on XXXX  XXXX last week. I was disputing medical bills that were still on my account that were paid off. While closing out those account, they inadvertently reported my mortgage account was closed, which left me a credit history of 1 year, 3 months as opposed to 12 years. That knocked my credit score down significantly. I would like the age of my credit history corrected.
Consumer complaint received 2015-09-26
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX taken me to court their atty never shown up I cont 'd to go court finally I request dismiss. I rec 'd my dismissed court orders because who they are they can not believe this happen but it did XXXX speaking to MIdland new collect agent this XXXX ( WITH /WITHOUT ) on court order they are coming for money the amount is wrong that is why I when to court not paying court fee and atty fee etc. This is old case back XXXX, this case was dismissed by court XXXX. They ( Midland XXXX are aware Case number etc try to take it to court again information place in summary. Court try to destroyed with Government Codes. I want them to closed and correct by credit report etc. ( again XXXX Midland try to reopen XXXX. ( removed it and stop try re-open ). Statue limitation apply to this case. XXXX I keep all my documents etc.
Consumer complaint received 2023-02-22
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: LCI Acquisition Inc. (LA)

I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 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 2021-11-22
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: JPMORGAN CHASE & CO. (SC)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2021-11-22
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: EQUIFAX, INC. (NC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, Title VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2023-02-22
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (NC)

I applied for the PNC Bank credit card and was issued the card. I wanted to use it to transfer balances and to pay for a vacation to XXXX. When I booked my vacation through an agency, my card was blocked and I had to call to release the block and at that time told the rep I would be using it while on my trip to XXXX and that I would need to make sure it is available when I try to use it. The rep unblocked it. I also called the day I flew out to put PNC bank on notice I was traveling to XXXX and would be using the card. I just got my statement and I see PNC charged me XXXX different finance charges totaling up to {$180.00}. When I called the bank they said they charge to use my card overseas. I said but on XX/XX/24, I booked my trip from XXXX here in the states and at no time did anyone ever say I would be charged fees if I use the card overseas. They had XXXX different opportunities to tell me they charge for use overseas but didnt say anything about it. Now I have {$180.00} in fees on my card. This is unfair!
Consumer complaint received 2018-09-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

I have a financial problem so I ended my account closed to avoid overdraft fees I know Im responsible to bring my account current but I dont get paid for 2 weeks so I asked to close my account and I will pay the XXXX  dollars I owed as soon as I got paid because I couldnt cancel my automatic payments until I put a new checking account they refused to close it and are charging me XXXX daily for overdraft fees that same company keeps trying to charge I tried speaking to costumer service they dont care to help me