davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (TX)

Navy Federal ran my credit when I didn't authorize the hard pulls that are showing on my credit report, they told me that the hard inquiries would be removed from all 3 credit bureaus but it's still showing on my reports. I need Navy Federal to communicate this with the credit reporting agencies as it is a clear violation of the FDCPA. I also have proof via police report that I was a victim of identity theft
Consumer complaint received 2024-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

On XX/XX/XXXX I changed my insurance carrier from XXXX to XXXX I spent an hour with the Rep going over all the details..In XXXX of XXXX I received a letter from 53rd Bank/mortgage in reference to missing Hazard/Fire/Real Property..I called XXXX to find out what was needed and was told to submit a Letter of Certification of Liability Insurance in which I emailed to them XXXX XXXX XXXX XXXX included with my monthly mortgage payment was a larger than normal amount due..I called 53rd Bank only to be told that I had a lapse in insurance coverage from XX/XX/XXXX to XXXX XXXX then contacted XXXX so that I could email 53rd Bank my proof of coverage and after they reviewed it informed me that I was given a HO3 and not a HO6 which was the correct coverage..This situation was clearly a case of miscommunication at my expense and I was forced to pay triple the amount of insurance coverage having no idea that I was given the wrong policy the amount was XXXX! I was devastated and reached out to several representatives from 53rd Bank to no avail..On XX/XX/XXXX I requested to have my Escrow account be removed and was denied stated that it was because of the lapse even thought it was a miscommunication XXXX of XXXX I again put in a request of Escrow removal and XXXX I was denied stating that they recently had to cover my insurance lapse?? I have been with XXXX Bank for several years and have never missed a payment or have had any issues with insurance coverage.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I have mailed 3 certified letters to Experian, XXXX and XXXX to remove inaccurate personal information. Today, XX/XX/XXXX my personal information remained the same and they have not removed any of my requests.
Consumer complaint received 2022-08-29
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. (KY)

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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-24
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. (CA)

In accordance with the Fair Credit Reporting Act 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 2022-08-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

I changed banks, updated my account information online with Ally, they continued to pull from wrong account even after multiple calls to correct. They then instructed me that i would have to make six months payments through moneygram because of their mistakes. Ist payment went through fine. 2nd did not go through even though the money has been verified as received by Ally. This has been going on for three weeks. When i asked to speak with a manager i am told they cant transfer m e, they will call me in three days, they will call me today or they just cant do that at all. Help! This is impacting my credit as well. They keep continuing to try to collect a debt!
Consumer complaint received 2022-08-29
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (FL)

I spoke with an agent at Navient on XX/XX/XXXX about a refund for my loan payments dating back to XX/XX/XXXX. I was given a lot of incorrect information on the call. I stated I only wanted the refund if my loans would not show delinquent status. I was told the refund amount would be {$37000.00} ( which I told the agent wasn't right ). They said I would receive a written letter detailing the refund and correct amount before it was approved. I received no written communication, the refund amount was incorrect, and my loan was marked delinquent. Please review this call and correct my delinquent status, I do not want a refund if my account will be marked delinquent.
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 — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

The XXXX XXXX XXXX  public record was removed by XXXX in XX/XX/XXXX because inaccurate information was listed. Although the public record was removed, I still have XXXX accounts that still show the " included in XXXX XXXX XXXX '' remark, which I've now disputed over XXXX times because the Status updated date is not correct and should match the date of when the case was filed in XX/XX/XXXX or the discharge date of XX/XX/XXXX. Neither date is shown for the Capital One or XXXX XXXX XXXX XXXX  accounts XXXX Each company has allegedly verified the information as accurate, which it is not!
Consumer complaint received 2022-02-24
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. (CA)

The XXXX XXXX XXXX XXXXXXXX  accounts is inaccurate. This account should be removed. It is closed and reporting inaccurate information. XXXX, Transunion and XXXX fail to remove the account due to it being inaccurate and closed.
Consumer complaint received 2015-05-28
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Onity Group Inc. (PA)

Gmac is sharing conflicting information to myself and my XXXX credit report my first delinquency of my auto loan was back in XXXX as it is stated on my credit report and Gmac is reporting my first delinquency as of XXXX that is incorrect I will be attaching a file with cfpb results from XXXX and gmac and my credit report that has the first date of delinquency
Consumer complaint received 2022-08-29
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. (SC)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX BANK # XXXX, has violated my rights. 
XXXX BANK XXXX # XXXX, has violated my rights XXXX XXXXXXXX BANK # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX has violated my rights. 
US DEPT OF EDXXXX # 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 2022-04-14
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: EQUIFAX, INC. (WI)

Hi I am submitting this 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 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2024-03-13
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)

XXXX XXXX XXXX is in violation of multiple laws set forth by XXXX in regards to the following account # XXXX. XXXX5 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, XXXX and Equifax ) XXXX the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX  can not collect on a XXXX debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX  for the cancelled debt in order to file as ordinary income. Where is my 1099-C XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! XXXX XXXX XXXX  has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX terms and conditions they agreed not to share my information with non-affiliates. XXXX, XXXX and Equifax are not an affiliate of XXXX XXXX XXXX  nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2023-10-05
Product: Credit reporting 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. (NY)

Called TransUnion credit reporting company. Explain to customer rep Im not able to view my credit report online. was given XXXX case numbers. XXXX, XXXX, XXXX as of today. still not able to view my credit report online.
Consumer complaint received 2023-06-20
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)

Tried to by a house realize I had damages on my credit report which is defamation to my character. According to the 15 U.S.C 1681 There should not be any damages on my credit report because it is a defamation to my character.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion, XXXX, & XXXX continue to report a late payment on XXXX that is not accurate. Neither consumer agency has sent me any documents that proves I was indeed late with these payments. I have repeated asked for what method they used to verify this information.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX and TransUnion are reporting incorrect inquiries that I do not recognize after filing previous complaints they allege this information was verified upon further investigation consequently they sell consumer information without consent for profit. This behavior is clearly why they will not remove these inquiries. They sold my information without my consent and now such behavior is causing me harm. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2024-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion stated the account XXXX XXXX was verified as accurate but provided no evidence how did you verify this? The consumer agencies must provide a reason investigation into all my claims. They provided no proof that they did an investigation how did you verify this information provide it to be I have a right to know examine it! The other two consumer agencies are not reporting this account so how is Transunion even allowed too. Furthermore I did not sign up for your service in your arbitration agreement you state if a consumer states our service cause harm I may sue and this is notice I will.
Consumer complaint received 2022-08-29
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: EQUIFAX, INC. (TX)

I am having issues with accessing my Equifax credit report. I reached out to them a few months back to correct somethings on my report that were not right. Since then, they have taken away my ability to view my credit report. I have reached out to them by phone and by mail to correct this and I still can't view my credit report.
Consumer complaint received 2022-02-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Respected Sir, I have account with Bank of America ( BOA ) since last 6 years. Recently Boa started the Monthly Maintenance Fees of $ XXXX Deduction as my checking account balance is below $ XXXX while doing this bank is not providing any notifications to me that my balance is below $ XXXX as the bank has many ways to contact the customer -via Apps, Email alerts, SMS but i feel BOA is doing this on purpose to collect the money from customer accounts. This is serious concern as bank is doing this on purpose to collect money without any alerts & specific notifications. When i called to customer service they are informing that this information is available in the statements & there is no any additional way to inform to customers. Due to digital statements/ hard statements normally people tent to overlook this thing. But BOA is taking the advantage by charging the monthly maintenance fees without any specific notifications. 

I strongly recommend to charge BOA for this purposeful act of charging money / fees without specific notifications to customers.
Consumer complaint received 2023-05-30
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. (TX)

On XXXX I asked that late be removed from my report.According to ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2022-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/22 I received funds into my account in the amount of {$1500.00}. I attempted several times to transfer those funds to my bank account. I contacted PayPal and was told it would be on hold for 48 hours. On XX/XX/22 I again attempted to transfer my funds. I contacted PayPal again. I was told my funds would be on hold for 48 after the problem was resolved. I was informed by PayPal that there was a problem verifying my identity, but I had verified my identity several times with them and they disclosed much of my account information with me. Ive spent several hours on the phone with customer service representatives. At one point I was transferred to a supervisor after requesting to speak with a supervisor for a few hours. That supervisor hung up on me me. Totally unacceptable behavior. This morningXXXX, I attempted to transfer my funds to my bank account again. I was then informed that my funds were being placed on hold again so PayPal can verify my transfer is legitimate. I have done everything PayPal has requested of me to verify who I am, and yet they continue to be unwilling to resolve this issue. This seems to be an ongoing problem with PayPal.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IN)

My name appears incorrectly on my credit report. I also suspect my credit report has created a split file due to the name issue, with me having at least two different credit files under two different names. This is also creating issues for me creating an account online to view my report or dispute my personal information, because the information that I am looking for is not available under my actual name, and any attempts to make an account online redirect me to the existing account for my social security number that is under my incorrect name.
Consumer complaint received 2022-08-29
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. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with Fair Credit Reporting Act XXXX Accounts, above has violated my right.

15 U.S.C 1681 SECTION 602 A STATES I HAVE MY RIGHTS TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTOIN 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH WITHOUT WRITTEN INSTRUCTIONS
Consumer complaint received 2022-08-29
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: Bridgecrest Acceptance Corporation (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2023-01-12
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. (MA)

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