davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (WA)

NOTICE : PLEASE BE ADVISED A COMPLETE COPY OF THE BELOW COMPLAINT WAS SENT TO & RECEIED BY NAVY FEDERAL ON XXXX XXXX, XXXX VIA USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX. 

NOTICE : I WAS NOT ABLE TO UPLOAD THE CONSENT ORDER OR THE DEBIT CARD DISCLOSURE AS THE FILES WERE TOO LARGE FOR THIS PLATFORM. 

On XX/XX/XXXX, NAVY FEDERAL CREDIT UNION unlawfully, deceptively and without notice, restricted my Debit Card access connected to account number XXXX, violating my consumer rights, the CFPA and CFPB Consent Order No. XXXX. 

On XX/XX/XXXX ( months later ) NAVY FEDERAL CREDIT UNION notified me of their actions by mail stating that my debit card history demonstrated a violation of the Debit Card Disclosure but failed to specify what action/actions specifically violated the agreement and how. 

After reviewing the Debit Card Disclosure I could not find anything that that would justify the adverse action taken against me. On XX/XX/XXXX, using their members portal I began sending NAVY FEDERAL CREDIT UNION a electronic message requesting a explanations of the alleged violations so to ensure that they would not be repeated in the future. After going back and forth with NAVY FEDERAL CREDIT UNION via its Member Messaging portal I finally got a response of admission to which I have attached to this complaint titled EXHIBIT B. 

NAVY FEDERAL CREDIT UNION has a history of being unfair and abusive to consumers and its members. On XX/XX/XXXX, NAVY FEDERAL CREDIT UNION was sued by UNITED STATES OF AMERICA CONSUMER FINANCIAL PROTECTION BUREAU for its Unfair Electronic Account Access Restrictions and material representations that were likely to mislead reasonable consumers and that is exactly what they are now doing to me. 

I clearly have good reason to believe and do so believe this is an unlawful attempt to punish me for exercising my right as a consumer to dispute unauthorized transactions which establishes an inability to protect my interest while using this consumer financial product or service. This act is defined as Abusive under of 12 U.S.C. 5531 ( d ) ( 2 ) ( A ) ( B ) and is a violation of 5536 ( a ) ( 1 ) ( B ). These injuries are not outweighed by benefits to me or to competition and my injuries were not reasonably avoidable because NAVY FEDERAL CREDIT UNIONS policies and practices regarding electronic access and service restrictions were not adequately disclosed to me when I opened my deposit accounts and are still not to date.

Therefore, NAVY FEDERAL CREDIT UNIONs representations, as described above, constitute deceptive acts or practices in violation of sections 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA, 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( 1 ) ( B ).
Consumer complaint received 2019-04-25
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)

Equifax and XXXX  are reporting incorrectly that I am 30 - 60 days past due on XXXX partial account number XXXX. ( Please see page 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2018-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (NY)

Truthfully I didn't authorized Account with Nordstrom on XX/XX/2017. I filed report with FTC. However, Nordstrom wrote back that my account doesn't claim of fraud and such transaction was valid. However, I request them vital information like transaction date, location, and item purchase. Nordstrom stated they are unable to provide these information. They only can provide total amount of balance owe. This is an absolutely raised red flag of fraud to me. I believe Nordstrom mishandle protection of consumer rights to ask for details in order for me to file with a report with police station.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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 about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX  Inquiry {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX  XXXX {$0.00}
Consumer complaint received 2022-06-16
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)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Consumer complaint received 2018-08-08
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bronstein & Weiss Arbitration (TX)

Below are two messages that were left by this company on XXXX Good morning XXXX my name is XXXX XXXX. I'm with XXXX XXXX XXXX XXXX unfortunately sir serving you final legal notice XXXX as a result of your dock appliance we have conducted an in-depth investigation into your case and finances. It is our intentions to commence and prosecutor pro tractor lawsuit in the courts seeking compensation and punitive damages awarded both by Yes XXXX XXXX this is XXXX XXXX I just got finished speaking with you XXXX XXXX please give me a contact call so I go over a deposition with you real fast to see what you would like to do it if if that's something you don't want to do please have your attorney give me a call as soon as possible. If you don't mind. Good day sir.
Consumer complaint received 2023-07-03
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. (WI)

In accordance in the Fair Clean Report Act. The List of accounts below has violated my federally protected consumer privacy and confidentiality under. 

XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX has violated my rights. 


Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 2019-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (IN)

I made a payment on XX/XX/2018 of XXXX dollars. When I submitted the payment the screen went blank I didn't get a confirmation number and didn't think much of it at the time. About 2 or 3 weeks later I got a letter saying my account was closed due to failure to pay the same day I was getting phone calls from a number I didn't know. These calls would leave a blank message and would happen 8 to 12 times a day. I answer one and was told my account was past due and that a payment needed made. I told the lady that I already made a payment and i didn't understand why my account was closed. She told me to send the bank statement with proof that I paid. I went online and printed out a payment made to them by my bank on XX/XX/XXXX. I sent it with a letter saying to fix it and to stop calling me. The calls dwindled off about XX/XX/XXXX with only 3 being made with blank messages. I then got a letter saying the would do some more research into the information I provided them. I then got a letter saying that they needed a 15 digit number from my bank. I went to my bank and asked them about it and the lady at the counter looked at me dumbfounded and said she never heard of such a thing.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Issue # 1 : I was having issues with making my payment on XX/XX/24. I called Ally to inform them that I was having issues making it online and I was able to make the payment about XXXX XXXX  on XX/XX/24. I assumed they made an update to not report me as late because of the online system having errors. I had never encountered this error before while paying online. 

Issue # 2 : I shared with XXXX that I was going through a terminal situation to look for a settlement on the account to pay less than owed. They said they could waive {$100.00}. I asked if there was a supervisor or someone higher I could talk to. The agent placed me on hold and came back to inform me that the supervisor said they had nothing that could help me. I asked for their corporate number and the agent said he didn't have it and there is nothing anyone can do.
Consumer complaint received 2023-03-31
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. (MD)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX : {$22000.00}
Consumer complaint received 2018-08-08
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. (DE)

The problem I'm having is I've contacted Equifax ( via ) phone conversation, letters and through XXXX which is a secured link they sent to me to upload additional information. On XX/XX/2018 I mailed a dispute letter to Equifax asking them to validate the inaccurate items, by producing the original signed contract from all data furnishers and to show the process they take to complete their investigation. I also asked that they not validate any items electronically an addition, I requested that if they didnt verify these items they needed to be deleted immediately, by the rules/ laws mandated by the ( FTC ). The items were things like accounts, inquiries and public record bankruptcies. On XX/XX/2018 Equifax sent me a letter explaining their investigation process, which basically stated that they verify information electronically and uses a third-party vendor named XXXX to validate public record items such as judgments, tax liens, and bankruptcies. This is a clear violation of the ( FCRA ) because all items must be validated by the original data furnisher. On XX/XX/2018 I received the results back from Equifax in which they claimed to have verified all of the items I disputed. On page 3 of the  dispute result letter, Equifax explained that they verified all 4 public record bankruptcies from XXXX. This is where Equifax gets caught in their lie and breaks the law at the same time. I mailed a letter to XXXX requesting that they place a security freeze on my XXXX file. They mailed a letter back stating as of XX/XX/2018, a security freeze has been placed on my file and this would prevent XXXX from releasing my XXXX reports. So even if Equifax didn't want to follow the law mandated by the ( FTC ) and verify all information from the original date furnisher, which in this case is the U.S BANKRUPTCY COURTHOUSE. They lied and said they verified the bankruptcy through XXXX, which is impossible because my file was frozen as of XX/XX/2018. I disputed these bankruptcies along with other items on XX/XX/2018. This clearly shows my file with XXXX was frozen for 19 days before my dispute with Equifax on XX/XX/2018. In addition, Equifax verified all of the items past the 30 days allowed by law. So, all of the items I disputed must be deleted. I will upload the dispute letter I sent to Equifax, along with the items I disputed, the letter from XXXX and the dispute results Equifax mailed back. 

I ask that the CFPB assist me in this matter because I need a higher source to mandate the law.
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (IN)

On XX/XX/2018I received a notice that PNC bank had issued a 30 day late default on my credit report. In XX/XX/2018 I entered into a PNC personal loan that was supposed to be auto removed from my PNC account.. The first auto removal was in XX/XX/2018 and was deducted correctly. In XX/XX/XXXX I received notice that XX/XX/XXXX payment had not been made. I contacted PNC two separate times around XX/XX/XXXX and was ensured every thing was fine that they are unsure how the situation happened and I was scheduled for auto deduct and every thing should be fine. When I received the notice today I called PNC and after 1.5 hours was able to finally find a person that could figure out what happened with the account. She stated that at some point after to first auto deduct PNC went in and adjusted my rate to reflect the agreed 0.25 deduction for auto deduct payment and that some how messed up PNC 's system and the payment was not taken out. It happened again in XX/XX/XXXX she said, even after I called on 2 different occations and was told it was corrected. I am not late on any payments. My credit should not have been negatively affected this way. This was a PNC error. I am not late on any payments and all payments are up to date. Please remove this from my credit.
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX is refusing to prove in writing, their validation and verification process on closed accounts that they are reported as " failure to pay ". 
Accounts are closed and not from the original creditors. 
Amounts are incorrect and not the original amount owed. 
Accounts are showing inaccurate non-payments. 
All addresses except : XXXX XXXX XXXX XXXX, CA. XXXX are to be removed All Hard Inquiries except XXXX XXXX were NOT approved by me.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2019-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

I was switched to XXXX XXXX from XXXX ( much better loan servicer ) because I applied for the Public Service Loan Forgiveness. They are refusing to count my over 7 years of public service for a non-profit. In talking to them they said it was because I paid too much ( I rounded up may payments to the nearest dollar ) and that I paid to far in advance ( I sent the check from my bank on the 15th of every month - I was being paid bi-monthly ). I talked to them 4 months ago and asked for the record of my payments so I can track them and see what they didn't count - I was told I would have the record in 7 -14 days. I have received no record to date. I also asked to have it reviewed, they said they would, but to date I have had not other response from them. Then I get a notice from them that I need to re-certify my loan repayment by XX/XX/XXXX. my loan plan was good through XX/XX/XXXX. I asked them why and only received a short email stating that it takes time to process. Well that was a lie, because I processed it after the date and have already received a massive increase ( in relation to a modest pay raise, actually it the increase will negate all of the pay raise plus ) - which in reading up on them seems to be their MO. XXXX XXXX XXXX I have no files to upload since I can't seem to get them to follow through on their promises.
Consumer complaint received 2023-01-06
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: EQUIFAX, INC. (AZ)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  AZ XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2022-03-09
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. (NJ)

In accordance with the fair credit reporting act XXXX  account # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX, has violated my rights. 


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

15 U.S.C. 1681 section 604 A section 2.It also states a consumer reporting agency can not furnish a account without my written instructions.