davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (VA)

Since XXXX of XXXX, I've tried to access my Navy Federal Credit Union accounts and receive an error message each time saying my login is incorrect - doesn't recognize the user ID or password. Each time, I've had to call NFCU to get them to fix the problem. They'll usually reset my password and user ID credentials and the solution works for about a week, then it is back to the same problem. My complaint has been elevated to their Tier II service to no avail. They state they are aware of the problem but seem to be doing nothing to fix it. It is now XX/XX/XXXX and I'm still having difficulty accessing my account. The customer service rep states that I have full access to my accounts if I'll only visit a branch. The closest branch is XXXX hours away so not convenient. When I'm on the phone with NFCU, it usually takes several hours on the phone to get a person and resolve the problem, only to realize it is a temporary solution not a permanent fix. I've tried their mobile app as well as using my normal desktop access - each to no avail ; I get the same error message each time. When we set up our trust with NFCU, they obliterated my savings account that I'd had since XXXX and sent the balance somewhere else. Took 2 years to track that down, but they still couldn't really " find '' the money. Everything done was haphazard. The customer service reps, while understanding, don't seem to care. This isn't their money. I am a shareholder in this company, so that means employees answer to me. This isn't a commercial bank. This is a credit union owned by the membership. If they are aware that there is a problem with their software update in XX/XX/XXXX, why haven't they fixed it? Why wasn't there a backup of their old system in case of issues just like this? Why didn't they fully test their new update on a separate LAN/WAN before rolling it out nationwide to ensure no bugs were in the system? That's called configuration control and NFCU apparently has none. As a former IT manager in the Federal government, this is the worst software upgrade I've ever seen and totally mismanaged. I am tired of not being able to access my accounts and having to waste countless hours for a temporary fix that only lasts about a week. Totally unsat.
Consumer complaint received 2024-05-12
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. (GA)

15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Consumer complaint received 2024-02-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (GA)

On XXXX XXXX I went to the XXXX XXXX center for a XXXX  screening. I was an uninsured patient, which means they made me pay in full upfront before rendering any services. So I paid in full, got my receipt and left the facility. In XX/XX/XXXX I get a letter from " Wakefield and associates '' claiming that I owe the XXXXXXXX XXXX XXXX  XXXX. I immediately sent them a debt validation letter explaining that there was no way that this was possible. Well, It's XX/XX/XXXX. They respond with a receipt from XXXXXXXX XXXX XXXX, showing that I paid in full, however there's some " adjustment '' added for XXXX XXXXXXXX XXXX XXXX has never once contacted me since I left the facility. Just Wakefield and associates..As I stated earlier, I paid everything they asked for upfront and I was a one time patient with them with no insurance. They can't crop up charges 7 months after I'm gone, not contact me about it, then have Wakefield and associates try to collect a debt! I'm not in debt with them, I was a customer buying a product. This was a one time transaction. I've got my receipts and all documentation from the visit to prove that fact.
Consumer complaint received 2022-08-26
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. (GA)

Equifax Consumer Credit Reporting Agencies is unlawful posting of debts to my credit files pursuant to The Consumer Credit Protection Act Title VI - Public Law 91-508 - United States Statutes at Large 84 stat 1127-1136 & The Fair Debt Collection Practices Act USC Title 15 section 1692, and the Fair Credit Reporting Act USC Title 15 section 1681 I have filed disputes and equifax still reporting the 12 inaccuracies on my credit file Credit Reporting agencies have the lawful duty to notify the alleged creditors of this dispute according to USC 15 section 1681 ( i ), ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. This matter has been disputed and after CREDIT REPORTING AGENCIES take the required action of notifying the other parties listed herein I am demanding that this inaccurate information be removed pursuant to USC title 15 Section 1681 s-2 which states, USC Title 15 section 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.i reported Professional Financial Service for fraud and you have failed to block this account from my file pursuant to 15 U.S.C 1681 ( c )
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I applied with XXXX XXXX XXXX XXXX in an attempt to open an account. I received a Notice of Action Taken-Notice of Action Based on Information Contained in a Consumer Report ChexSystems ). However, I have attempted multiple times to retain report via online and phone calls with unsuccessful attempts. I have included FTC reports of identity theft and other banking institution so that I can open up an account. I have also reported this information to the CFPB due to the difficulty of obtaining reports and or customer service since XX/XX/2021.
Consumer complaint received 2022-08-26
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (FL)

In accordance with the fair credit reporting act Credit Acceptance Corp., has violated my rights. 


15 USC 1681 Section 602 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-02-23
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: EQUIFAX, INC. (CA)

I am applying to start my life over again and I am being haunted by misinformation on my credit report in the XXXX XXXX XXXX. In 2011 my bankruptcy was finalized and though the dates and account # XXXX remain incorrect I have had no luck getting into the public records department in downtown XXXX XXXX to have that information corrected. Its been 11+ years and most of those accounts have not been touched for 15 plus years. Please ask XXXX, XXXX XXXX  Equifax to remove the Bankruptcies, once and for all finally, please! Please remove them, I am trying so hard to buy a house and I am haunted by the XXXX XXXX XXXX and no mortgage company will give me the time of day because I have this lingering Bankruptcy with extremely old information haunting me. 

no one should suffer XXXX  years over Chapter XXXX! please! Please in Jesus ' name remove it please. Let me buy my house and, move on with my life. My children need a home.
Consumer complaint received 2022-08-26
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. (PA)

I have requested you to properly conduct an investigation on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX ( this account number is listed three ( 3 ) times for a different amount ) XXXX XXXX You are now claiming that these accounts are " Verified ''. 
I want to be clear, these are MEDICAL ACCOUNTs, that it is protected under the Health Insurance Portability and Accountability Act of 1996 Section 1173.
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Theres a new account open from XXXX XXXX XXXX that does not belong to me it just showed that someone used my SSN to open a new account and Im not sure what to do
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (OK)

Dispute was Filed XX/XX/2021, for XXXX bank transfers that were done and not authorized by me and did not go to my account. I called, filed a dispute form, called again and they stated that I had to write it out, by hand, and fax it, with a photo attached with my card. I did. It has been over 90 days.
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Deposited a check for {$150000.00} on XX/XX/XXXX to my checking account at Bank of America. The check showed as cleared the checking account that the draft was written on the same day ( XXXX XXXX  ). Bank of America has placed a hold on the funds for 9 days and says the funds will not clear until XXXX, XX/XX/XXXX. The check cleared the next day and to my limited knowledge, the clearing process is 24-48 hours. A short hold is reasonable. This is not. Now my funds are in suspense.
Consumer complaint received 2022-08-26
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: NRA Group, LLC (AZ)

National Recovery text late at night the most recent was XXXXXXXX XXXX. from XXXX attempting to collect a debt for a company I do not even know. I have requested and Stop text request multiple times and they still text me.
Consumer complaint received 2022-08-26
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. (TN)

In sight of recent investigations brought upon Transunion, I find that my consumer file is being irresponsibly tampered with. Over the past few months, I have made several attempts to remind Transunion of their duty pursuant to 15 USC 1681. It appears Transunion intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. in XXXX and XXXX of XXXX, I made a dispute to Transunion to verify some of my accounts. They were supposed to do a clear investigation, which they did NOT do. Most of everything on my credit report came back verified. Did Transunion conduct interviews? Who did Transunion talk to? Did Transunion interview my friend? What was the procedure like? Send me the proof. Please send procedure of the investigation. In order for credit bureaus to conduct an actual investigation of the accounts that are on a consumer report that the consumer is disputing, they have to conduct an investigation a certain type of way, which is taking interviews from neighbors and friends about the information thats being disputed pursuant to 15 usc 1681a ( e ). 15 USC 168li ( A.5 ) says that after the reinvestigations. all of the unverified information must promptly be removed. Transunion has failed to provide a 100 % accurate investigation for the accounts that are on my credit report. None of the accounts on my Transunion profile can prove I owe a debt. Transunion couldnt provide me with any contracts and/or accounting ledgers from any of the accounts on my Transunion consumer report. I made a call as another attempt to have these errors corrected on my consumer report. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX USDOEXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Pursuant to 15 U.S.C 1681a ( 2 ) ( 15 u.s.c 1691 ( a ) ( 3 ), 15 u.s.c 1691a ( e ), 15 u.s.c 1691 ( e ), 15 u.s.c 1642, 15 u.s.c 1681M, 12 CFR 1002 there should be no transactions reported onto my credit report. This includes late payments.

Transunion never had a Permissible purpose of my consumer reports. 15 U.S. Code 1681b ( 2 ) never instructed Transunion to furnish or create any report. I never consented to any account on my report on the first place. 15 U.S. Code 6821 Congress made it clear that Transunion assumed the role of a financial institution through association.
Consumer complaint received 2017-09-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: JPMORGAN CHASE & CO. (CA)

I leased a new Mazda 3 from XXXX XXXX, financed by Chase Bank. I made payments on time, paid off the lease a few days early, and leased a new Mazda 3 with the same companies. When I was setting up the automatic payments with my credit union, I made an extra payment because I was n't sure that the set up would be working in time for my next payment. It was, and now Chase Bank will not return this extra payment. The payment amount is {$240.00}. The listing of payments provided by XXXX, shows that I made XXXX payments and it shows the residual payoff to be less by that amount, so XXXX either kept my payment or passed it on to XXXX XXXX when they sold them the car for resale. Additionally, both companies " dinged '' my credit report resulting in a point loss, despite my having done business with both of them in an exemplary manner for three years. Very unfair actions!
Consumer complaint received 2022-12-06
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. (MI)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 

XXXX XXXX Last XXXX XX/XX/XXXX {$320.00} Reported XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX {$5900.00} Reported balance XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX OF XXXX Reported : XXXX XXXX, XXXX - {$1500.00} In good standing XXXX  OF XXXX Reported XXXX XXXX XXXX, XXXX - {$3500.00} In good standing XXXX  OF XXXX Reported : XXXX XXXX, XXXX - {$1700.00} In good standing XXXX  OF XXXX Reported : XXXX XXXX, XXXX - {$170.00} In good standing XXXX  OF XXXX Reported : XXXX XXXX, XXXX - {$2200.00} In good standing XXXX  OF XXXX Reported : XXXX XXXX, XXXX - {$4700.00} In good standing XXXX  OF XXXX Reported : XXXX XXXX, XXXX - {$33000.00} In good standing XXXX OF XXXX Reported : XXXX XXXX, XXXX - {$3500.00} In good standing DEPT XXXX XXXX Reported : XXXX XXXX, XXXX - {$2600.00} In good standing XXXX XXXX Reported XXXX XXXX XXXX, XXXX - {$0.00} Closed
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Bank of America clearly does not know the definition of fraud. Someone fraudulently used my card and charged {$230.00} without for a XXXX transaction on XX/XX/2022. I contacted XXXX and disputed the account. They refused to credit the transaction and provide any details about the reservation and the email address associated with the account was not mine. I contacted Bank of America and requested of them to take the charge off due to fraud. My account was issued a temporary credit for the amount. 

Today, I received a letter from Bank of America indicating that the are denying my account because the merchant provided proof that the reservation was made by me. This is false and the Bank did not even bother to call the hotel because no-one stayed at the hotel on that date. I want Bank of American to contact the hotel in question and issue me a permanent credit for {$230.00} as this fraud claim is valid.
Consumer complaint received 2022-04-14
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2022-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc. (CA)

On XX/XX/XXXX at about XXXX, my debit card was used at a XXXX and XX/XX/11 in XXXX Ca XXXX there were 2 fraudulent transactions made at the XXXX for {$400.00} and XXXX fraudulent transaction made at the XX/XX/11 for {$40.00}. I contacted my bank, Wisely - XXXX, on XX/XX/XXXX ( when I realized there had been money stolen from my card ) to file a dispute. the person assisting me advised she would send a replacement card that would take about 7-10 business days. I called Wisely back 1 week later to get an update on where my card was as I still had not received it. the man assisting me that morning said he saw a dispute was filed, but no card was sent out. I then had to pay {$25.00} fee to get the card expedited. I received my card within 2 days and called to active my replacement card. the woman advised after activating my replacement card, my funds would be deposited within the next hour. I called the next day to check my balance and it was still showing {$0.00}. I called the dispute customer service line for Wisely and they told me my claim was closed and they did not see any fraudulent transactions were made. I have been contacting them on a weekly basis via phone and email ( no one has contacted me back on this matter or responded to any emails ) as I still have not received my funds back. They continue to tell me there was no fraud being made and have been no help whatsoever.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (IL)

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX  IL 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-26
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

Hello, Complain # XXXX regarding Santander doesn't make the fund avaliable in the XXXX after it was transferred. 

After the bank stopped the pactice now it is back doing the same. 

Thank you
Consumer complaint received 2017-04-14
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CURO Intermediate Holdings (CA)

XXXX is trying to collect a debt that I DO NOT owe them! I do not have a contract or agreement with XXXX so I would really appreciate it it they would remove the collection from XXXX, XXXX, and XXXX!