davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (IA)

NAVY FEDERAL CREDIT UNION # ACCT XXXX Pursuant to the Fair Credit Billing Act, A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These accounts have billing errors. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request NFCU provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by XXXX, NFCU can not lawfully furnish these inaccurate negative informations to the credit reporting agencies. The United States is bankrupt. If these alleged debts are valid, what authority NFCU do you have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us VOID and UNENFORCEABLE.ANSWER THESE IMPORTANT QUESTIONS NFCU. Does these accounts include a finance charge? If so, does the finance charge include a premium that protects the creditor in case of default? Has any insurance been filed on these accounts? If a XXXX or any insurance has been filed on this account, you have NO RIGHT to continue furnishing this inaccurate information to coerce repayment of this extension of credit. The continued reporting of these inaccurate informations would constitute a breach of fiduciary duty. Since there is no law under the Fair Credit Reporting Act requiring NFCU to report negative information to a consumer reporting agency, NFCU maybe knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. NFCU 'S policy does not supersede XXXX XXXX. I am demanding these charge offs be UPDATED to PAID AS AGREED with a {$0.00} balance and a DELETION of all negative information be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm and stopping me from extending credit in commerce which is my FEDERAL RIGHT.
Consumer complaint received 2024-05-21
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Business and Consumer Solutions. (TX)

Note : if you will see the Total amount of vehicle has been changed twice. Now XXXX claims that a different amount has been changed from XXXX. On my credit reports it shows different. Also see documents of a Security hack with my personal information involved. FBCS claims it is from XXXX XXXX. XXXX lied and said they did not sell my debt to anyone? Maybe they didnt sell but why does FBCS have my information? This has gotten to be harassment from XXXX. Thank you to CFPB for listening to this ongoing racket of XXXX. I know for a fact that they have something to do with the GAP insurance I had as well.
Consumer complaint received 2019-08-06
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. (GA)

I sent Transunion a letter informing them of a potential fraudulent account on my credit. They said that my concern was not valid without even conducting an investigation. According tocthe Fair Credit Reporting Act Section 611 [ 15 USC 1681I ], they should conduct a reinvestigation my credit file. They have no way to ascertain the legitimacy of my action without investigating the items in question.
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

i HAVE BEEN TRYING TO GET THE FILE CORRECTED SINCE 2018 DUE TO TRYING TO PURCHASE A HOME AND GET MY CREDIT FILE ACCURATE FOR AN ACCURATE SCORE. I SUBMITTED MY IDENTIFICATION MULTIPLE TIMES VIA UNITED STATES POSTAL MAIL TO EQUIFAX, XXXX, AND XXXX. THEY HAVE ALL FAILED TO CORRECT THE FILE AND OUTRIGHT REFUSED AFTER RECEIVING MY GOVERNMENT JOB IDENTIFICATION, STATE IDENTIFICATION, AND SOCIAL SECURITY CARD AND LETTER ADDRESSING ALL MY PLACES OF RESIDENCE THE LAST 40 YEARS.
Consumer complaint received 2021-12-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX of XXXX my checking account first was restricted and then closed i have been with this bank for 3 years... tried to talk with banker over the phone... he just said you can not bank with capital one no more because you possess risk to the bank. The issue started with my work place changed their bank and printed checks too, so one of the checks bounced and then bank just closed my account. I have been trying to get an official response but couldn't till now. I just want to know why the bank didn't close my account when i was pouring money in account and now that i am in bad financial position bank closes my account. I have been trying to contact the bank everyday since but their department is closed.
Consumer complaint received 2023-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I deposit a 3rd party for my niece and brought her up to bank numberous of time like I was told to do with her if check on XX/XX/XXXX, its XX/XX/XXXX almost a month later and still Im Getting a run around and wrong answers they sent me a letter this morning saying I can receive my funds AND ALL OF SUDDEN THEY LOST THE MONEY AND CANT FIND AND DOESNT KNOW WHERE THE MONEY IS. Citibank is so discriminative. Ive been back and forth to the bank 6-7 times already after they so closed my account for a security issue Ive made numerous complaints about this company to numerous of breaus because this bank isnt working with me all
Consumer complaint received 2021-12-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I written several letters ( between XXXX XXXX XXXX ) to fed loan XXXX that I would like proof that I owe them money for this so called student loan that I supposedly have. I have requested the original loan ( that I supposedly have with fed loan ) agreement with my signature in black ink. Fed loan has failed in my request to see the original documentation. This has had a negative impact on my credit. I would like this issue resolved as soon as possible. 

Thank You
Consumer complaint received 2021-12-10
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. (SC)

XX/XX/XXXX, Transunion did not DELETE the inaccurate account listed on my consumer credit report. I have attached my Transunion consumer credit report with this complaint as proof that the inaccurate accounts are still on my credit report. This report was recieved XX/XX/XXXX and issued out XX/XX/XXXX as stated on the upper right of the document attached. XXXX XXXXXXXX XXXX is a charge off account that is reporting a BALANCE of {$990.00}. A charge of should show as a XXXX BALANCE. That is inaccurate report as stated in the F.C.R.A 15 U.S code 1681. XXXX XXXX  is a collection account reporting as a OPEN ACCOUNT and it has a BALANCE of {$680.00}. A collection account should show a XXXX BALANCE. That is inaccurate report as stated in the F.C.R.A 15 U.S code 1681XXXX states the Opening Date was XX/XX/XXXX. The opened date is wrong. That is inaccurate report as stated in the F.C.R.A 15 U.S code 1681. I will keep my consumer credit and my copies just case these accounts are not deleted.
Consumer complaint received 2019-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In rebuilding my credit after having identity theft last year I was instructed to sign up for new credit card. I signed up for XXXX XXXX card in XXXX. The card showed up immediately on my TransUnion, XXXX and XXXX  credit reports starting in XXXX. 

Since XXXX my XXXX report has had no further payment updates. I have made all my payments in full each month since I received the card yet XXXX  incorrectly shows I have a balance of {$990.00} which is last month total due which was paid on time. 

For XXXX they show the same balance that has been unpaid. They show I have paid on time for XXXX and XXXX but they are missing XXXX. 

For TransUnion  they show the same balance that has been unpaid. They show I paid on time for XXXX but XXXX and XXXX is missing. 

I called all three agencies and they told me XXXX XXXX has not been updating their data and I should contact them. 

I called XXXX XXXX and they said they have given all three agencies update data through the end of XXXX. They said I should speak with the agencies. 

I am at an impasse and as of this last weekend my TransUnion score dropped by 30 points and my XXXX call dropped 23 point as a result of this miss-information. 

As a result of this miss-information the FICO scores that I have worked so hard to rebuild have been seriously impacted.
Consumer complaint received 2015-12-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc. (TX)

I been contacted several times by some individual claiming to be a representative of ARA Inc, a collection company based out of IL. 
Despite having made clear the fact that I owe no such debt and I have never engaged in any business with the associates bank the original creditor of the collection account.ARA Inc has continued to contact me about an outstanding account in the sum of {$5200.00}. 
The contact has been through phone call as well as letters.
Consumer complaint received 2022-03-26
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. (FL)

I got a copy of my credit report and saw, that there is information which NOT belongs to me. I have never applied for these accounts, i don't have contracts or agreements WITH MY SIGNATURE which proofs, that these accounts are mine. I believe, that i was victim of identity theft.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX! I sent in letters to the following 3 credit bureau regarding my credit cause I was curious to where did they get the following information regarding a Bankruptcy that was places on the credit. I got a letter for all 3 credit bureau : XXXX, XXXX, and Transunion stating in a mail letter that the information was verified with XXXX XXXX. I reached out to XXXX seeing how was they able to verified a bankruptcy that's on my personal credit. A Rep name XXXX reference no. XXXX on XX/XX/XXXX stated that the information is inaccurate that XXXX never verified any information with any of the credit bureau. I was send a letter from XXXX stating the same information on the phone conversation with the Rep. XXXX. XXXX removed the following information from system.I have a letter that proof my conversation. I later contact the United States Bankruptcy Court of Northern District of IL. to asked if their company reports to the 3 credit bureau about my credit and they stated that they do not verify any information of the source. I was send out a letter on XX/XX/XXXX from Bankruptcy court supporting the conversation.A credit freeze was place on my credit from me in 04/2021so can completed a reinvestigation with all 3 Credit Bureau regarding the inaccurate information of the Bankrupyvy reporting on my credit to get the same letter from XXXX, XXXX, and TransuUnion stating that they verified the information again with all three credit bureau XXXX, TransUnion and XXXX  reporting false and inaccurate information on my credit report and due that issue they has violated my rights according to the Freedom Foundation, a V Seiu Health NorthWest Training Partnership, a 501 ( c ) ( 3 ) Trade Secret Misappropriation Privacy Act of 1974 Violations 5 USC 552a Violations 31 USC 371 1 ( e ) Violations Public Records Act Violation Commercial Purpose Declaration 42.56.070 ( 8 )
Consumer complaint received 2021-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent in two requests for removal of fraudulent accounts and inquiries on to Transunion and they've been left unanswered or weren't investigated. I called Transunion and spoke with the fraud department a week ago where they assured me the fraudulent inquiries would be removed in 24 hours and they are still there. They've also not furnished any proof on my request to validate a fraudulent account.
Consumer complaint received 2021-12-10
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. (IL)

Hi XXXX has a 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 710XXXX XXXX has me at a score around 592. 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 n 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 us 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 n 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 n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2022-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I got a copy of my credit report and saw, that there is information which NOT belongs to me. I have never applied for these accounts, i don't have contracts or agreements WITH MY SIGNATURE which proofs, that these accounts are mine. I believe, that i was victim of identity theft.
Consumer complaint received 2019-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XX/XX/19 : Both Merchant and Cardholder agree that consent was given to bill for {$69.00} of transportation service. Both Merchant and Cardholder agree that transportation service was never provided due to weather. Both Merchant and Cardholder agree that accordingly Cardholder is due a {$69.00} refund. 

XX/XX/19 : Merchant does not issue refund. Cardholder files dispute with Bank. 

XX/XX/19 : Bank issues Purchase Adjustment for {$69.00}. 

XX/XX/19 : Bank sends letter to Cardholder reapplying charge of {$69.00}. Bank provides statement from Merchant claiming that {$69.00} was refunded in cash. Merchant provides no additional documentation pertaining to such refund. Bank unilaterally closes dispute. 

XX/XX/19 : Cardholder sends letter to Bank attempting to reopen dispute. Cardholder denies ever receiving a cash refund. Cardholder also cites Mastercard Transaction Processing Rules, Section XXXX which explicitly forbids cash refunds in such cases. Cardholder requests {$69.00} credit to the same Card Account used to make the purchase per Mastercard Transaction Processing Rules, Section XXXX.
Consumer complaint received 2021-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX Balance {$0.00} US DEPT ED XXXX Balance {$0.00} US DEPT ED XXXX Balance {$0.00} US DEPT ED XXXX Balance {$0.00} US DEPT ED XXXX Balance {$0.00} US DEPT ED XXXX Balance {$0.00} XXXX  XXXX bankruptcy discharged Reference number : XXXX
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (OH)

On XXXX I was notified through credit Karma that a new inquiry was reported on my XXXX report from CBNA ( Citi Bank ). 
I did not recognize this inquiry and on XXXX I called Citi Bank to see if someone had tried to get a card using my identity. I talked to 3 different representatives and none of them were able to find any information using my name, address, SS #, or phone #. 
I called XXXX to let them know the inquiry is fraudulent. They said that it seemed to be legitimate on their end and that I would have to ask Citi Bank to send a request to remove the inquiry from my report. 
I called Citi Bank once again, they still had no information on me and said that I would have to get a statement from XXXX and fax it to them. 
I called XXXX and explained the situation once again and the representative filed a dispute directly with Citi Bank and also suggested that I report the situation to the FTC because he ( and I ) found it very odd that there is an inquiry yet Citi Bank has no record of my information. He called them uncooperative.
Consumer complaint received 2020-04-17
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security number had already been filed. Please remove these unknown accounts from my reports as soon as possible. 

BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2021-12-10
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. (MO)

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to TILA XXXX OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX.
Consumer complaint received 2021-12-10
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. (MO)

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to TILA XXXX  OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX.
Consumer complaint received 2024-05-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Business and Consumer Solutions. (NV)

No. 



XXXX. 



The matter is reported to the authorities. 


Get these perjurious panhandling frauds out of my inboxes. 



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 All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.