davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: NAVY FEDERAL CREDIT UNION (NY)

Pursuant to the FCRA, as a consumer, I would say accuracy is the measure of value ; value is something only a natural person or human being can measure. Fair to me means no one is taking unjust advantage of another. In summary, my thesis is when congress talks about accuracy and fairness, theyre asking me as a consumer to decide whether my consumer report is valuable to me ; and whether I feel like I am receiving a just advantage or no one is taking unjust advantage against me. I have reasons to convict Navy Federal Credit Union of taking unjust advantage against me on XX/XX/2021. The most important thing about the adverse action section in the Fair Credit Reporting Act is that it never mentions a denial of credit. It only mentions being denied for insurance or employment. Why doesnt it mention being denied for credit? The answer is in Truth In Lending Act. Let me explain. I know there was a finance charge involved in the transaction which is the sum of all charges. I can not be denied credit because I know that I have an open end credit plan, which I administered and extend/originate myself credit to make them a creditor to extend me my own credit. I am the consumer and only a natural person grant such rights. This is why adverse action does not mention being denied for credit because Congress knows the truth, financial institutions dont loan money because there hasnt been any in circulation since 1933.

According to 15 USC 1681m ( C ) ( ii ) ( I ) Information referred to in subparagraph ( A ) - does not include- information solely as transactions or experiences between the consumer and the person furnishing the information. They are found to be in violation labeled exhibit A. This is not a request, I am granted the right to credit under my open end credit plan which I am administering. I am giving my command to increase the credit limit on my XXXX card. 

Best regards
Consumer complaint received 2021-06-15
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: LOBEL FINANCIAL CORPORATION (CA)

I co-signed a loan for my ex wife and she defaulted and now Im left with a charge off thats hurting my score tremendously Ive tried to get them to remove and this was also involved in litigation.
Consumer complaint received 2021-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2017-06-02
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. (TX)

I received a letter from   XXXX   XXXX   around the end of     XXXX   indicating I defaulted on a loan. I never applied for a loan. I immediately called   XXXX   XXXX   after receiving the letter and they told me the money was direct deposited into a checking account. It was n't my checking account. The agent then looked at the account information and the security questions were not answers or anybody I knew. Based on the answers it was somebody else that I knew. This person called   XXXX   XXXX   and with my permission paid/settled on the balance. I was told the negative reporting would be removed. I even received a letter in RR mail shortly after this other person made the payment.  <P/> Now the item is showing on my credit report and opened for the full balance. I called   XXXX   XXXX   today and they told me to file a complaint with the FTC.
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am a victim of identity fraud, I never opened a credit card with capital one. I recently have been looking at my credit report, and I've tried contacting capital one multiple times stating this account was opened fraudulently in my name. This account was opened XX/XX/2016.
Consumer complaint received 2021-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

Dear All : On Monday, XX/XX/2021 in the afternoon, someone usurped my identity entered my online account, and affiliate in my account a beneficiary totally unknown to me and not recognized, and I make two online bank transfers : XXXX USD and XXXX USD Previously altering all the security parameters of both my account for example add a telephone number that no mine : XXXX XXXX XXXX and those of the bank, since my account did not have approval to make transfers for amounts greater than XXXX USD. 

I have been trying to formalize the complain in the bank and they do not take it from me because I am in XXXX despite having confirmed all my information by phone. 

According to the information indicated in the registry of my operations, the beneficiary of this fraud is named XXXX XXXX on behalf of XXXX, XXXX XXXX, registered in XXXX Principal AddressXXXX XXXX XXXX XXXX  XXXX, FL XXXX Please, help me to solve this fraud, this money are my savings and that of my family, I dont know what more to do! 

Best Regards XXXX XXXX
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-06-15
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. (NJ)

The unverified items listed below remain on my credit report in violation of XXXX XXXX. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly? Who verified these items? 

I demand the following items be verified or deleted immediately. 

XXXX XXXX XXXX XXXX, NJ XXXX -- -- - I don't live here. Please remove. 
XXXX XXXX XXXX XXXX, NJ XXXX -- -- - I don't live here. Please remove. 

I don't recognized these inquiries. 

XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-12-12
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (TX)

I paid off my balance with XXXX XXXX XXXX XXXX XXXX. In XXXX I reached out since they were still reporting the balance. I have attempted to talk and write to them XXXX more times since the first time and they said it was a glitch in their system and would get it fixed. It still has not been fixed and they havent followed up with me as they said they would.
Consumer complaint received 2022-07-07
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, Account name XXXXXXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX  Account # XXXX, Account name XXXX XXXX Account # XXXX, Account name XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX, Account name XXXX XXXX Account # XXXX, Account name XXXX  XXXX Account # XXXX, Account name XXXX XXXX  XXXX Account XXXX XXXX, Account name XXXXXXXX XXXX  XXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX Account # XXXX, Account name XXXX Account # XXXX, Account name SXXXX XXXX XXXX Account # XXXX, Account name XXXX  XXXX Account # XXXX, Account name XXXX XXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX XXXX Account # XXXX, Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX, Account name XXXX XXXX XXXX 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 2022-07-07
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. (MD)

In accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX Account # XXXX, Account name XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, Account name XXXXXXXX XXXX  Account # XXXX, Account name XXXX XXXXXXXX XXXX  Account # XXXX, Account name XXXXXXXX XXXX Account # XXXX, Account name XXXXXXXX XXXX XXXX  Account XXXX XXXX, Account name XXXX XXXX Account # XXXX, Account name XXXX XXXXXXXX Account # XXXX, Account name XXXX XXXX XXXXXXXX Account XXXX XXXX, Account name XXXXXXXX XXXX  XXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX Account # XXXX, Account name XXXX Account # XXXX, Account name XXXX XXXX XXXX  Account # XXXX, Account name XXXX  XXXX Account # XXXX, Account name XXXX XXXX XXXX  Account # XXXX, Account name XXXX XXXX XXXX XXXX Account # XXXX, Account name XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX, Account name XXXX XXXX XXXX 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 2021-04-15
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. (GA)

I submitted a dispute with Experian via phone on XX/XX/2021 to remove a hard inquiry. I told them that the inquiry did not belong to me and I tried to contact the vendor and they did not provide any information. I wanted to have the inquiry removed and they said that they did not have the ability to remove a hard inquiry.
Consumer complaint received 2019-08-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alpha Recovery Corp (CA)

Alpha Recovery Corp. calls all day long during my work hours. Ive asked them to stop calling and send all correspondence through mail. Theyve begun to call my job and now my manager is involved because the woman said it was an emergency. I need them to stop calling.
Consumer complaint received 2019-08-02
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. (MI)

Once again my complaint is about Equifax! The continuously remove and replace information onto my credit report. I have filed several complaints to them and on here. I sent them all the information they requested showing I have NO SUFFIX at the end of my name. They sent me an updated credit report and viewing my online account with them showing it was removed. within a month the suffix " XXXX '' was placed back on my account. I had to place another call to them on XX/XX/2109 @ XXXX XXXX, Confirmation # XXXX to have them remove it once again ... the person I talked to could see all my documentation in my file that I complied with Equifax 's request and could not explain how it got back on my credit report. On or about XX/XX/2019 the suffix was once again removed, But for how long?? 

On XX/XX/2019 @ XXXX XXXX ( same call ) I also asked them to REMOVE a consumer statement " I '' had placed on my file for a dispute for 3 medical bills that I paid. Confirmation # XXXX On or about 3 days later the statement was removed, as of XX/XX/2019 I have viewed my credit report online through Equifax and see the statement is BACK on there again. What the XXXX is going on with this company??? 

I was a victim of identity theft have submitted to Equifax a copy of a local police report and investigation and list of inquiries on my credit report that I disputed and that was NOT initiated by me. They REFUSE to remove them and told ME to contact the creditor ... WHY? Equifax placed them there, they don't show on my other credit reports through XXXX  or XXXX. WHY do I have to do their leg work. To be honest, I'm to busy Policing Equifax to make sure they are not screwing my credit report up. I am believing that Equifax is taking payoffs from credit companies to place misinformation on unsuspecting peoples credit files in order to charge the consumer more on interest rates and keep credit scores low. My credit score is always lower on Equifax that the other two reporting agencies.
Consumer complaint received 2021-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Neon Newco Corporation (PA)

On XX/XX/2021 approximately XXXX XXXX to noon I contact NetSpend about a purchase that was on my card just to verify if it was just by chance that I gave authorization through the representative XXXX like what I said and posted my card as an unauthorized action and block my car at 5 to being on the phone with a representative and stop me from getting my front which I'm on vacation and XXXX Florida to go to XXXX and now I was told because you blocked my card after she apologized that she didn't mean to do it that there was nothing she can do to unblock my card and she apologized for me for the inconvenience XXXX XXXX me and emotional distress and in distress and anguish that I have to sleep in my car with no food and no buddy I've been calling NetSpend for XXXX XXXX. in the afternoon until XXXXXXXX XXXX. that diets and that I have not gotten any resolution but left with no money sleeping and my car in the parking lot of XXXX which destroyed my whole vacation after me losing my mom 's which I just wanted to go find some peace and clear my head for the tragic loss that I lost and the only thing I got for NetSpend life that they apologize for the inconvenience e and they protected the representative got made that mistake and they never fix the situation which left me and emotional distress and I am and the process of filing a lawsuit for mental distress and anguish
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have tried for several years to get my FREE credit report from XXXX   and Trans Union but I am never able to pull the report online. They always say my request can not be processed and have to be ordered by mail which can take up to 30 days. This has happened several years in a row. There is no number to call or an email to submit questions to. I have never had any issues with XXXX and Trans Union has worked a few times but not for the last couple of years. XXXX has never been able to give me my FREE report online, ever but they can sell it to me without an issue. 

This is complete XXXX  that my personal information is hijacked by companies that I have nothing to do with and I have no access to it without paying them a fee.
Consumer complaint received 2022-09-26
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)

XXXX XXXX i filled out a fraud affidavit for them, XXXX XXXX XXXX I filled out a fraud affidavit for them as well still reporting on my credit these are fraudulent open accounts.
Consumer complaint received 2021-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX is one company and if you miss one payment, they'll report each and every semester youve received a loan for seperately ... so one payment missed will equal to approximately twelve late payments reflected on your credit report ... which it's literally Credit Report extortion.

Extortion by the Federal Government is the worse..then if you try to consolidate to make it one loan to avoid the games. It's literally double the amount owed once you incorporate the interest.

XXXX  ... .just sad practices .with no light at he end of the tunnel.
Consumer complaint received 2019-08-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Holloway Credit Solutions (AL)

I got a message from XXXX XXXX that a collection was added to my credit I clicked it and it was Holloway debt collections. They never ever bothered to contact me via phone or in writing that I even had this debt before putting it on my credit. This is the 2nd time Holloway has done this and they are violating my rights and I plan to seek legal advice concerning this. They are not informing me or giving me a chance to disputed the debt they took it upon themselves and just assumed the debt was valid and its not. Im tired of this company doing this they are purposely affecting my credit and my livelihood.
Consumer complaint received 2019-06-23
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. (WI)

My mortgage company, XXXX XXXX XXXX, purchased XXXX XXXX. They transferred my mortgage to XXXX XXXX which is now a subsidiary of XXXX. XXXX XXXX  is reporting my mortgage as being modified on the date the transfer was completed. My credit score dropped significantly as a result. My mortgage was NOT modified, it was transferred and I had zero control of that decision. 
I want XXXX XXXX to remove the false report stating my loan was modified. 
Second, my XX/XX/2019 escrow payment was paid to XXXX and never transferred to XXXX XXXX.
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (NC)

Hi, I sent a certified letter to XXXX  Credit Reporting Agency on XX/XX/XXXX explaining to them how I was declined credit once I recently learned that an old credit account was placed back on my credit file. I disputed the fraudulent account with Navy FCU for {$9400.00} back in XXXX which was deleted by XXXX  on XX/XX/XXXX after further investigation. I was not notified by XXXX  in writing nor by any other means available to the agency within the five day period after the reinsertion. I have attached a copy of the letter sent to XXXX  dated XX/XX/XXXX as well as the deletion that took place with XXXX  back in XXXX.
Consumer complaint received 2019-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (NY)

I received a letter from Allied Interstate for a debt and account with center point issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This account is not mine and I have idea what this is. I was a victim of identity theft back in 2014 but I am unsure if this account is from that issue. 

I want them at Allied Interstate to close this right away please. 

I have sent Allied Interstate a letter to close this as well which I have attached. 

Thank you for the help and assistance on this frustrating manner.
Consumer complaint received 2022-03-22
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: EQUIFAX, INC. (IN)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( XXXX ) ( XXXX ) ( XXXX ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( XXXX ). Per 15 USC 1681 ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.