davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

The account is not my account and I have never had any business with Portfolio Recovery/XXXX XXXX 
I sent a letter regarding a debt collection attempt for Portfolio RC on behalf of XXXX XXXX  indicating that I owe a debt that is not mine. I sent a letter dated advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (NV)

For a couple of weeks I have been making deposits. Often Navy Federal moves the deductions and takes money from my account for purchases twice. For example I made a payment for {$410.00} on XX/XX/24. the payment was taken from my available balance. Today I made two deposits totaling {$890.00}. The payment has been moved to posted XX/XX/24 and has been deducted from my balance again. I have gone into the branch, called and emailed. I have asked that an account specialists audit my account. I have asked for a detailed break down of each transaction with balances, not received. I went to an ATM and it did not disburse funds, but the money was deducted from my account. Navy Federal removed the whole transaction once the ATM company completed the return, but they never replaced the funds. No one will listen and as well I have been hung up on by the supervisor.
Consumer complaint received 2023-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXXCredit Bureau : XXXX XXXX XXXX  XXXX, XXXX XXXX , FL XXXX XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. 
I contacted { XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report.

I request that you investigate the [ XXXX XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter, { XXXX XXXX } 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 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

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: EQUIFAX, INC. (NE)

The credit bureau is reporting a balance of {$390.00} owed with XXXX XXXX XXXX  and I have a XXXX balance.I made a payment with my debit card on XX/XX/20 for {$98.00} that has already posted to my credit card account. I also made another payment with my debit card on XX/XX/20 for {$300.00}, which brought my account to a XXXX  balance.
Consumer complaint received 2024-01-05
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: Experian Information Solutions Inc. (AZ)

I am XXXX XXXX XXXX, resided at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX with Social Security Number XXXX and born on XX/XX/, who received your responses and Im the one who submitted a complaint last XXXX XXXX XXXXXXXX discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
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. (FL)

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2024-01-05
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. (AZ)

I am XXXX XXXX XXXX, resided at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX with Social Security Number XXXX and born on XX/XX/XXXX, who received your responses and Im the one who submitted a complaint last XX/XX/XXXX. The listed items were fraudulently and I never signed any contracts with the listed items in my credit file. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The supporting documents are attached in this complaints. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
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. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-01-26
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

In XX/XX/2019 late payments where on my accounts. I called the companies and they said they said they will remove the late payment off my account. They have yet to been removed.
Consumer complaint received 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I called to update my email address so that I could log in to unfreeze my account as I am trying to buy a new vehicle ( it's called XXXX XXXX XXXX XXXX XXXX XXXX ). Transunion said it sent me a code to allow me to access the account, which never happened. 

I am now on my XXXX call to Transunion 's overseas call centers ... .if one expresses a modicum of disgust for the bad service, they hang up. 

I am unable to unfreeze my credit report so that I can continue financing a new automobile. 

This has become a XXXX little country where nothing works ... except the military industrial complex and XXXX politician XXXX who XXXX the government out to line their pockets ... ..the people are XXXX, have ya noticed?
Consumer complaint received 2024-01-05
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: Experian Information Solutions Inc. (FL)

This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 Account number XXXX XXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXX XXXX account number 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 2024-01-05
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. (MD)

Upon reviewing my latest consumer report furnished by EXPERIAN. Your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it SHALL follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

You are in violation of the FCRA Permissible Purposes, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

Pursuant to the Fair Credit Reporting Act, makes it clear that a consumer reporting agency EXPERIAN in accordance with 15 USC 1681c-2 Block of information resulting from identity theft ( a ) a consumer reporting agency SHALL BLOCK the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Consumer complaint received 2023-02-22
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. (NC)

I have reached out to Equifax several times regarding the reinsertion of the following account : account number : XXXX ; XXXX XXXX XXXX. 

Equifax has confirmed that this account had been removed, however failed to comply with FCRA section 611.procedures in case of disputed accuracy 15 U.S.C section 1681. I have recorded two different managers in the fraud department confirming they have received my reinsertion dispute, however this company has failed to comply with the law as in my dispute letter, I send the entire law requesting all documents to verify the legitimacy of this account. within the 15 days given to Equifax. This company did not comply with any aspect of the law regarding the reinserted account as show in great detail of the dispute letter I sent to them and will provide here. 

Equifax is also in violation these other protect

ed FCRA laws : 15 USC 1681 2 ( i ) states : report containing information solely as to transactions or experiences between the consumer and the person making the report. Definition of consumer Report : ( 1 ) In general. Th
e term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title Equifax is a cooperation. This is against the law for Equifax to report late payments on my consumer report. Please remove this information.

15 USC 1681 Section 602A 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 instruction Equifax has never received written instruction from me to furnish information about this account, As shown, here, Equifax has violated numerous FCRA laws. Equifax has knowingly disregarded all of the following laws and actions corresponding to these laws, even after obtaining my disputes, the appropriate documents requested ; as well as my verbal acknowledgement to Equifax of these laws being broken. and being made aware of such violations.

Equifax does NOT get to pick and choose what laws to follow or disregard. These laws apply to them as much as they do myself. Equifax does NOY have the right to disregard FEDERAL LAW!
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

My checking and savings account has been placed on fraud prevention. Since the beginning of the XX/XX/2023. My sister was out of the country she wanted to send me money I give her my account number Bank of America immediately send me alert if I authorized, I answer yes. Immediately they cancel my Debit card and closed my account. I have to called Bank of America so they can help me to open a new account. Ever since of the ordeal I have to call Bank of America if I want to check my balance, or my payroll check to be transfer to my new account. now always someone is charging my account. I don't recognize Bank of America has placed my account credit only status. I have to call a bank of America to transfer from saving to checking always be transferred to call to another. My question to Bank of America why they allowed transaction charge into my checking account without phone number or state where the charge is comments from???? 
Please help me with this issue
Consumer complaint received 2023-02-09
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. (IL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2024-01-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (NY)

This is my second complaint I am filing about Nelnet, my student loan servicer, which has still not approved my SAVE application. 
-Applied for save application on XX/XX/XXXX. 
Received no information about the status of my application for over a month. 
-Reached out to the company via email on XX/XX/XXXX. 
No response. 
- saw on XXXX in late XXXX that some people in a similar predicament had uploaded their tax return info which moved their application process along, so I did the same. 
-Sat on the phone for XXXX hours waiting to speak to someone on XX/XX/XXXX. I was told I needed to make a one time payment in order for my application to go through. I had already made a {$100.00} payment on XX/XX/XXXX so I was told by the agent on the phone that I was all set and had done everything necessary and I just need to wait. 
-On XX/XX/XXXX I received an email that my application was received. 
-On XX/XX/XXXX I received an email that my application was in processing queue. 
My application remained in the queue to be processed throughout XXXX. I called Nelnet ( waiting hours to speak to someone ) and asked for an update and was told I need to wait to get an email or letter telling me to make a one time payment to exit my IBR plan. So what the previous agent had told me was incorrect. 
-I finally got a message that I needed to make my one time payment and I sent my payment in on XX/XX/XXXX. 
-Application status changed to In Process on XX/XX/XXXX. 
- Account placed in administrative forbearance on XX/XX/XXXX. 

All the while I am accruing interest for 4+ months. I am now on the phone yet again waiting to speak to someone. The people I speak to on the phone do not all give out the same info. And they often have no real answers except to just wait it out.
Consumer complaint received 2022-04-18
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-01-09
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: FISERV INC. (CA)

This debit card with {$700.00} was sent to me but was stolen so i never received it spoke to the company wrote the dispute letter like they ask me to do still nothing has been done .I cant get through on the phone with out a debit card number just want my {$700.00} that was stolen from me
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (AZ)

I filed a complaint last year with Aidvantage and the issue remains unresolved. I had two loans serviced through them that were discharged and XXXX  out, but the full balance and no change was made as promised by them on my credit report. I received a copy of the letter that was sent from them and the Dept of Education in XX/XX/2023 that confirmed the discharge/forgiveness of these loans in full. The document is password protected, so I had to use screenshots from it which I included as attachments for this case. In this letter, it was promised that these loans would be taken off of my credit report within 60-90 days of the letter being sent. It is now well beyond that timeframe and the loans remain on my credit report with the full balance intact. 

I have tried to contact them directly numerous times, and just the same as before, I can never get through to anyone via email or phone. I worked with a representative from Aidvantage previously in XX/XX/2023 when I filed my initial XXXX  and CPFB complaints. She had also assured me that these loans would be taken off my credit report from Aidvantage by XX/XX/2023 at the latest, as that would mark the full 90 days from when the letter was sent to me initially. 

Additionally, I've also disputed through XXXX several times, with one being recently, and Aidvantage is still claiming that the information on my credit report is correct with the full balances. The balances on my Aidvantage online account are XXXX out as well, so there is no reason why this same information shouldn't be reported accurately through the credit bureaus. It is THEIR responsibility to remove these and report accurate information and they are straight up LYING to the credit bureau and getting away with it. I will also be filing another complaint with the XXXX  and attorney general to make sure this gets resolved. If it doesn't, I am more than happy to take Aidvantage to court for these illegal and shady business practices.