davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/2021, I received an email notification from the Navy Federal Credit Union ( NFCU ) that for free XXXX year XXXX XXXX member if I use my NFCU Flagship credit card for the XXXX XXXX purchase or renewal. The email red, Make getting your summer essentials simple with a free year of XXXX XXXX. Just pay the annual membership fee with your XXXX credit card, and well reimburse you. Thats up to a {$130.00} value! 

Already Have Prime? 
Renew your annual membership with your card before XXXX XXXX, 2021, and well credit your account. 

On XX/XX/2021, I renewed my prime membership using my NFCU XXXX credit card. 

I followed up in XXXX with XXXX as to why I did not receive account credit, and they explained it will take XXXX weeks. 

I also followed up in XXXX and was told that I should receive credit with XXXX business days. After XXXX business days, I called and was informed I will not receive the credit since I took advantage of promotion in the previous year. 

However, there was no overlapping in service, and this email was different from previous promotion email. Promotion did not specify that those that have use the promotion in the past do not qualify. Also, if that was the case, why send me the promotion again as NFCU already have information that I used promotion the previous year. 

I explained to them the advertisement did not state so, and that I only renewed XXXX XXXX because of the promotion. I asked for escalation and was placed on hold for over an hour to be told there is nothing NFCU can due. 

This is unacceptable as I was misled to sign up for XXXX XXXX and did not receive account credit for the cost. I have no choice at this point but to involve CFPB.
Consumer complaint received 2019-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (VA)

while my son was in the hospital from XXXX someone used my XXXX ( XXXX XXXX  XXXX ) card number in another state. I was with my son in another city and my XXXXcard was in a XXXX at home. I received an email from XXXX telling me this. This card ended in XXXX. I was told they were stopping all charges on card ending in XXXX and sending me a new card. I never received the new card but did finally receive a bill for a card ending in XXXX ( the bill did not show the whole CC number so I couldn't enter it into the online banking acct ) with late fees on it. I have yet to receive any card from XXXX ending in XXXX. When I got the bill and called XXXX I was told the late fees would be removed and they would XXXX XXXX me a new card and to not pay the bill until I got a new bill. I received the new card ending in XXXX but have NEVER received a bill from XXXX with this credit card number on it or any bill at all except for the one with my balance as of XX/XX/19 ( this is the one with the late fee and the card number XXXX at the top ). So today I called XXXX and am being told I haven't paid my bill and I have a late fee of {$28.00}. I paid {$100.00} on XX/XX/19 for the last bill I received for card ending in XXXX.
Consumer complaint received 2021-12-15
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. (PA)

Hello, My name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions and I also have enclosed copies of the Federal Trade Commission 's Identity Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-12-15
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. (PA)

Hello, My name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions and I also have enclosed copies of the Federal Trade Commission 's Identity Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-08-22
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TN)

On XX/XX/2023 I purchased 2 gift cards. One for {$250.00}. The other for {$50.00}. They would not work. ( I ended up giving the intended recipients {$300.00} from another form of payment. ) I called the number on the back of the cards. I learned that the cards were flagged for possible fraud. I was told to submit documentation. I sent a fax with ID verification documents. Two cards were reissued to me several days ago. I've used the {$50.00} card successfully. The {$250.00} card will not work. I called AGAIN. I was told that the {$250.00} card was registered with someone else, and they would send me yet another card. 

Today, someone from XXXX XXXX XXXX  called and I could not answer in time. They left a number but not an extension. I called back and did not get the person who called. I did not have my card number, and the people who had answered would not help me. They insisted on my card number. I repeatedly told them that I was trying to return THEIR call. I got hung up on twice. The third time, I had my card number, but he refused to help me because I said that I was recording. 

I live in a single party consent state. I did not have to tell him that I was recording. Furthermore, their recorded message says that MY CALL MAY BE RECORDED. So, the bank can record, but I'm not allowed??? I'd love to share this recording with someone. At any rate, I was told to send something in writing. I tried to fax again, but the fax is not working. This is ridiculous. I really feel that they do this to many people, waiting to find someone who will eventually give up, so XXXX XXXX XXXX can swipe their money. This is crazy. I'll also file a complaint with XXXX, where I got the card, and with XXXX XXXX, the form of payment I had used at XXXX.
Consumer complaint received 2022-09-28
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-10-15
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. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 

According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuracies for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 

Here are the inaccuracies I have identified Account Name : XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX Reason : Unverified account Thank you,
Consumer complaint received 2021-12-15
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. (PA)

Hello, My name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions and I also have enclosed copies of the Federal Trade Commission 's Identity Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I did not open these accounts these accounts do not belong to me. These accounts are fraudulent and should not be on my consumer report by law. 
Capital one XXXX... 
XXXX XXXX  XXXX  XXXX... 
XXXX XXXX  XXXX... 
XXXX  XXXX XXXX  XXXX...
Consumer complaint received 2021-12-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (NC)

I called and spoke with two different customer service agents. The first agent was of no use and hung up on me. I hope their call is recorded so they can disciplined. The second call was more pleasant, but not helpful. 

Upgrade is misallocating my loan payments. 

My XX/XX/XXXX payment of {$85.00} was my normal XXXX payment that due on XXXX ( my normal due date is the XXXX of every month ). Then, on XX/XX/XXXX, I made another {$100.00} regular payment ( that is, it was NOT A PRINCIPAL ONLY PAYMENT ). That should covered my XX/XX/XXXX payment due date. However, it did not. On XX/XX/XXXX, I made yet another payment and your web interface for my loan clearly stated that it was supposed to goes towards the XX/XX/XXXX payment. Thus, leaving my XXXX payment that would go towards XX/XX/XXXX. T Initially, your system did this without issue. However, for some reason your system has improperly changed things and misallocated my XX/XX/XXXX payment. Thus, causing a chain reaction to the XX/XX/XXXX payment and the subsequent due dates. I have provided you with a screenshot of my payment history and payment breakdown between principal and interest paid.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (KY)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to XXXX XXXX XXXX XXXX XXXX. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-26
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: EQUIFAX, INC. (GA)

On XXXX I noticed I had a few negative accounts reporting to my consumer credit report that I did not recognize so I called XXXX, XXXX, and Equifax to have them removed. They all informed me that I needed to file a FTC report and mail it to them. I decided I should send dispute letters instead to validate the debt in hopes it would be deleted with no issues. Unfortunately that was harder than expected, all 3 credit reporting agencies did not remove these items from my validation letter efforts. Discouraged I called all 3 agencies again to see what I could do, thy instructed me to again file FTC ID Theft reports. So between XXXX I filed FTC ID Theft reports for the accounts I did not recognize ; FTC Report Number XXXX XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX, FTC Report Number XXXX XXXX. I called all Credit Reporting Agencies again after filing and they instructed me to mail the report to them, I emphasized that I did not feel comfortable mailing sensitive information especially with my information already being compromised yet they said nothing could be done over the phone.
Consumer complaint received 2023-06-13
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-08-06
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. (CA)

I recently reviewed my credit report an noted some unauthorized inquiries. Unauthorized inquiries are listed as : XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-08-06
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)

I recently reviewed my credit report an noted some unauthorized inquiries. Unauthorized inquiries are listed as : XXXX  Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2022-03-28
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. (OH)

I checked my credit reports and found that Transunion is reporting a negative collection account I have no knowledge of, did business with, or gave permission to furnish any information on my credit file. This isn't the first time Transunion has violated my rights as a consumer and placed false information on my credit report. I was not provided any written validation or verification from either Transunion or XXXX, XXXX providing proof of any of these claims. So why is this on my credit file? The alleged debt collection that's reporting is from XXXX, XXXX for {$120.00}. I do not consent to this information being placed on my credit file and I do not owe a debt to ANYONE. I mailed Transunion a detailed letter via certified mail demanding they provide me complete proof of verification and the steps they took by law to verify this debt is mine. I have not received a response as of yet.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (PA)

In accordance with the Fair Credit Reporting act XXXX Account 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 an 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 2021-12-15
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. (MD)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

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 Equifax 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 : XXXX XXXX XXXX XXXX  Balance {$1900.00} XXXX XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-12-15
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: BARCLAYS BANK DELAWARE (FL)

Jet Blue Business card through Barclays Problem # 1 : Barclays introduced a new platform in XXXX 2021. Since that time I have not been able to set up on-line access to manage the business credit card. I have spoken to at least 50 representatives including the domestic security department, with no resolution. They are now asking me fax my driver 's license, social security card, and another form of identification. The last fax they provided went to an XXXX office. I have had the business card for over 5 years, they have all of my information from the original application process and I do not feel it is a secure way to conduct business. Each call to a representative occupies +/- 2 hrs., the entire situation has to be re-hashed with each rep. I have case # s and technical INC # 's and still no resolution. 

Problem # 2 : A XXXX refund was returned to the business account on XX/XX/2021. It has never been credited to the card. I was told I needed to file a claim with the dispute department. I submitted all of the requested information onXX/XX/XXXX. I am now being that since the original charge was XXXX XXXX the claim is too old and there is nothing they can do. I have called multiple times with the claim # and still no resolution.
Consumer complaint received 2023-06-13
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. (CA)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have Items left that need to be removed or Block. Per FCRA section 605 you are required to remove these items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 2022-09-26
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. (CA)

This is the 3rd time I try to fix this issue with Transunion. I have contact and retained XXXX XXXX XXXX, Your Credit Reporting Agency ( Transunion ) has continued to allow these accounts to report in my name materially false and fraudulent accounts. 

We will also be sending out registered mail to the agency and dependent on the outcome we will choose the next legal steps. 

Please cease and desist all reporting of these accounts : XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Failure to fulfill your fiduciary duty as a data furnisher will inevitably result in a lawsuit filed by XXXX XXXX XXXX  on my behalf. You have a fiduciary duty under the FCRA 605 ( B ) to respond within 4 business days of receipt.

FCRA 605 ( b ) reads ; A consumer reporting agency shall block the reporting of any information in the file of a consumer, not later then 4 business days after the date of receipt.