davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (AL)

My accounts was frozen due to my bank stating it was a fraudulent deposit because the company that deposited the loan did not use my name they use numbers as they do for every loan, I have all business information to prove I have a active business I also have approval letters from The loan company that my loan was approved and it is in deed my loan in my name, the bank asked for my EIN number so that they can verify that I have a business I provided the information she then asked where did you get this number from its fake it dont exist she basically called me a liar I had the IRS fax over a copy of my EIN number in which they still stated its not registered with the government how is that possible if the IRS has it, The IRS was able to verify my business start date as well address so how is it possible that when I provided my bank with my information they are saying Im lien this is destroying my reputation as well as causing my business more damage that loan was relief to help pay employees as well as other things concerning my business and to have my bank freeze my account and tell me I can never use the account again or even open another account I feel is humiliating and unfair and its not right due to the accusations of fraud being false I plan on getting a lawyer involved with this matter the way I was treated was very unprofessional and to call me a liar when I have proof and provided proof is unacceptable. One rep told me the freeze was placed because I had my loan deposited into my personal account I didnt know Navy Federal Credit union offered business accounts so she stated she can get me started with a business account and transfer my loan into my business account then the freeze would be lifted but I am in XXXX with no business information on me so I had to contact the IRS which led to me losing the first rep that I was speaking with at Navy Federal Credit Union I asked for her direct extension she stated that they didnt have extensions and it was no way I could get back in touch with her, so once the IRS faxed over a copy of my EIN to The XXXX hotel I am staying in, in XXXX I immediately called Navy Federal back to provide the information in which the second rep stated I was making it up I am in another state with no access to my accounts she didnt care I told her I was going inside a branch she stated that I couldnt the account will remain froze and my Loan will be sent back to the company that deposited it.
Consumer complaint received 2020-08-01
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. (NJ)

I was notified that my mortgage service company XXXX was being transferred to XXXX XXXX. back around XX/XX/19. My mortgage payments were on an autopay from my bank every month. My XXXX and XXXX payments were drafted from my bank. I thought everything was ok, went I spoke with XXXX, they stated XXXX was no longer in business. I attempted to make a payment to XXXX, they stated all my account info was not transferred and to call back. I stated I was concerned with my credit report, and they told me that they will not report to the credit agencies during the transition time. I went to purchase a vacation home, I and ( 2 ) 30 day and 60 day late was reported. These need to be removed, the account is current. It took me over a month to recover the {$5500.00} given to XXXX. 

Thank you in advance for your help, XXXX
Consumer complaint received 2019-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (MD)

On Monday XX/XX/XXXX while at work, I have received a welcome to XXXX email. Which I havent opened nor heard of. Right after two transactions of {$500.00} was taken out my account to two different people I dont even know of. I called PNC that same evening/night. While on the phone ; a XXXX amount off XXXX was taken than cancelled. Crazy. The Rep on the phone block all access online. I went to my branch despite everything that I didnt authorize. Even than I was told I had to wait. What I dont get is HOW ALL THIS TIME BEING A CUSTOMER THEY ALLOW A XXXX ACCOUNT TO BE MADE. That should be suspicious activity for all of suppen to have. No one called or anything. The fact I reported everything within hours they basically didnt Care all my money was fraudulent taken. They didnt even credit me anything. I just gotten Paid n Pnc just let my money go. I have all types of security with this back because they allowed my twin to fraudulently take out my account back in XXXX. Now here I go again and they seem not to want to do anything about it but tell me I have to Wait n they may cant give me anything. I have a XXXX year old that I work hard for n to have my money just taken n not refunded I truly dont feel Safe banking with them anymore.
Consumer complaint received 2023-03-10
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX ( XXXX ) Account name : XXXX ( XXXX... ) Account name : XXXX ( XXXX... ) Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Optimum Outcomes, Inc. (GA)

All dates on accounts are almost showing present, no one can provide a contract with a ink signature showing I opened or have Any connection to the accounts and the ones are mine are from 2011 and prior far to old to be showing
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

The Credit Bureaus XXXX, XXXX, and Experian have listed on my Credit Report, XXXX XXXX XXXX and Original Creditor 12 XXXX XXXX in the amount of {$3700.00}. The issue is this shows as opened XX/XX/XXXX and that the Account is OPEN and all of that is Categorically False!! I have been with XXXX since XX/XX/XXXX making this debt over XXXX XXXX XXXX which should of been removed. 

These creditors do this all the time change dates to justify their Collection activity when in fact they are aware that it is false. This type of business practice is unethical, unlawful, and they know it and still use it to their advantage! 

I have talked and filed complaints to the Credit Bureaus to no avail so I am left with no other recourses than to file this compliant with you.
Consumer complaint received 2020-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was notified that my mortgage service company XXXX was being transferred to XXXX XXXX. back around XX/XX/19. My mortgage payments were on an autopay from my bank every month. My XXXX and XXXX payments were drafted from my bank. I thought everything was ok, went I spoke with XXXX, they stated XXXX was no longer in business. I attempted to make a payment to XXXX, they stated all my account info was not transferred and to call back. I stated I was concerned with my credit report, and they told me that they will not report to the credit agencies during the transition time. I went to purchase a vacation home, I and ( 2 ) 30 day and 60 day late was reported. These need to be removed, the account is current. It took me over a month to recover the {$5500.00} given to XXXX. 

Thank you in advance for your help, XXXX
Consumer complaint received 2024-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

I have no contract with credence resource management. Ive never received any communications via mail calls or texts because I believe the information they have is inaccurate. I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX requesting the contract with them and they still have not answered that complaint as of today. This debt is invalid and should not be reporting to my credit reports.
Consumer complaint received 2018-12-21
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: Experian Information Solutions Inc. (FL)

I have contacted these companies to inform them that there are unauthorized inquiries on my Credit Report and they have not removed them I

nquiries 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 Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted these companies to inform them that there are unauthorized inquiries on my Credit Report and they have not removed them Inquiries Trans Union XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

XX/XX/XXXX - XXXX XXXX XXXX {$20.00} XX/XX/XXXX - XXXX {$25.00} XX/XX/XXXX - XXXX {$29.00} XX/XX/XXXX - XXXX XXXX XXXX   XXXX {$28.00} XX/XX/XXXX - XXXX XXXX XXXX   XXXX {$260.00} XX/XX/XXXX - XXXX {$180.00} XX/XX/XXXX - XXXX XXXX   {$290.00} Filed chargeback against these unauthorized charges. Personally I believe this scheme is happening due to an employee either at my residence or s nearby store/restaurant.. all of these charges are within 1 mile of where I live. Bank disputed the charges, of course telling me I have to wait 10-45 days for the investigation to complete, which hurts me because I end up getting harassed by bill collectors and/or getting insane amounts of late fees accumulated.
Consumer complaint received 2020-08-01
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am a victim of identity theft and fraud. I am not responsible for a XXXX XXXX XXXX account nor a USAA account and the account is fraudulent. XXXX XXXX XXXX, USAA and XXXX, XXXX  and XXXX are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in 48 hours I will take legal action. Its been over a year now.
Consumer complaint received 2019-09-11
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: Credit Plus Inc (NM)

Hello, I have a hard inquiry on my credit report from Credit Plus on XX/XX/2018. On the credit report there is no contact information provided by the company and I have no record of reaching out to Credit Plus for an inquiry.
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

On XX/XX/2018, a requested balance transfer of {$100.00} from my XXXX XXXX XXXX ( XXXX ) Visa account ending in XXXX posted to my Capital One Visa account ending in XXXX. On XX/XX/XXXX, said amount billed to my Cap One account and was included in its current statement - appearing as XXXX XXXX XXXX - which I paid in full ; ie, including the {$100.00} balance transfer. 

As of today 's date, XX/XX/2018, XXXX has not received the {$100.00} payment from Capital One. Moreover, as payment of my XXXX Visa account became  due on XXXX, I paid it in full. ( XXXX  confirmation code # XXXX. ) Consequently, I've now paid the {$100.00} twice. 

Subsequently, via its website instruction I contacted Cap One on XXXX - and have email verification of their receipt - detailing the issue. To date, no response from the company. As I am currently traveling overseas with extremely limited phone access to the US, I am not able to call them. 

Please promptly initiate an investigation and keep me apprised via my email address which is : XXXX. Thank you for your prompt attenti on to this matter.
Consumer complaint received 2018-12-21
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. (FL)

I have contacted these companies to inform them that there are unauthorized inquiries on my Credit Report and they have not removed them Inquiries XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/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 Equifax Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-03
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. (TX)

I've have several inquiries showing on my TransUnion credit report that I don't recognize. These items are listed below : XXXX XXXX plus XXXX XXXX XXXX
Consumer complaint received 2019-09-11
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXX, PA XXXX To TransUnion Dispute Department DELETE XXXX XXXX XXXX because of multiple inaccuracies. 1. In the account number sections of this listing their are 3 different account numbers reporting. TransUnion is reporting XXXX*** as the account number. XXXX is reporting XXXX** as the account number. However XXXX  is reporting XXXX***. These account numbers are inconsistent. 2. In the Last Payment section of this listing. TransUnion and XXXX is reporting XX/XX/XXXX for last payment made. However, XXXX  is reporting XX/XX/XXXX as the last payment date made. These dates are inconsistent. 3.  In the Date Opened section of this listing. XXXX and XXXX  is reporting XX/XX/XXXX for date the account was opened. However TransUnion is reporting XX/XX/XXXX. 4. This is a closed account that still is reporting current activity on it. How could this be. Dont you get your reporting from the same company? Please Delete Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please Delete these items immediately! And send me another credit report. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DOB:XX/XX/XXXX SSN # XXXX
Consumer complaint received 2020-08-01
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am a victim of identity theft and fraud. I am not responsible for a XXXX XXXX XXXX  account nor a USAA account and the account is fraudulent. XXXX XXXX XXXX, USAA and XXXX, XXXX  and XXXX are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in 48 hours I will take legal action. Its been over a year now.
Consumer complaint received 2018-09-03
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. (GA)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2018-12-21
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)

I am so tired knowing that my concern was not attended by Equifax!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX   XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX,
Consumer complaint received 2018-12-21
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: Experian Information Solutions Inc. (GA)

I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX
Consumer complaint received 2019-01-16
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. (IN)

Noticed a collection account from a XXXX XXXX XXXX that first appeared on my credit report in XX/XX/2018 for {$480.00} I sent two certified letters demanding debt validation with return receipt. First one dated XX/XX/2018, the second one XX/XX/2018. No response was received from either letter. ( Copies attached ) This account is not mine and I dispute as was outlined in the letters I sent.

I want this information removed from my XXXX  and Equifax credit reports immediately.
Consumer complaint received 2018-12-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AL)

I bank with Wells Fargo and I have been happy with them until about 3 Months ago when I had my account number changed due to fraud. When I originally opened my account I was not able to get over drawn unless I payed with check or using my account and routing numbers, the type of account I had didn't allow for overdraft so if the funds were not there to cover a transaction it did not get paid. Since getting a new account number the bank has let most transactions go through causing me to stay over drawn more often than not. I asked them on 3 separate occasions and they said it's up to them to decide what to pay or not but if I have not asked for overdraft then I don't understand why they can change it on their own. When speaking to another person who also banks with them I was told that they changed everyone 's account to a regular bank account and it allows transactions to be paid even if funds are not available and they charge for the overdraft. I find that to be unfair being that I usually have to agree and sign that I want the bank to pay items when funds are low