davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (NJ)

On XXXX XXXX, 2015 I contact Navy Federal Credit Union regarding fraud from XXXX and I was explain that they will cancel my Navy Federal Credit Union and will expedite me another Bank Card Via XXXX. I called today XXXX XXXX, 2015 I was informed it mailed out regular mail and were they can not trace nor tell when I should expect it. Navy Federal also explain that XXXX check of mine has been return and they do not notifty the payee that it not enough fund in the account. So they allow the payee to keep sending thepayment while they keep charging me {$29.00} XXXX times and they its not enough funds theaccounts. Along the fees from the vendor I also owe them {$29.00} for the XXXX transaction. 
Can tell me is this the Navy Federal Credit should treat their customer. I 'm still awaiting a response regarding the fraud at XXXX XXXX XXXX they just the take my money.
Consumer complaint received 2015-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: P.S.C., Inc (WA)

PUGET SOUND COLLECTXXXX XXXX, XXXX ( XXXX ) XXXXXXXXThis debt is apart of my bankruptcyXXXX XXXX COUNTY REFUSE XXXX
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

Dear CFPB, I am writing to update my previous complaint filed regarding an inaccurate and unverified collections account reported by XXXX XXXX  on my credit reports. Unfortunately, despite my efforts, the issue remains unresolved. 

Summary of Previous Complaint : I disputed the account with all three credit reporting agencies, highlighting numerous discrepancies and attaching supporting documentation. 
I contacted XXXX XXXX requesting verification of the information, but their response was inadequate. 
I expressed concerns about potential violations of the Fair Credit Reporting Act ( FCRA ) due to the inaccuracies and lack of verification. 
Failure to Resolve : The credit reporting agencies have not taken my dispute seriously. They have not conducted a thorough investigation, provided any updates, or removed the inaccurate account. 
Follow-up attempts to obtain updates or further investigation from the credit bureaus have been unsuccessful. 
XXXX XXXX has not provided any meaningful attempt to verify the account information or address my concerns. 
Continued Impact and Request for Intervention : The presence of this inaccurate account continues to negatively impact my credit score and limit my access to financial opportunities. 
I am frustrated and concerned about the lack of progress and accountability from both the credit reporting agencies and XXXX XXXX. 
Therefore, I respectfully request that the CFPB : Escalate its investigation into this matter. Demand a thorough review of the discrepancies and potential FCRA violations from both the credit reporting agencies and XXXX XXXX. 
Urge the credit reporting agencies to take immediate action. This includes removing the inaccurate account from my credit reports while the investigation is ongoing. 
Hold XXXX XXXX accountable for providing accurate and verifiable information. If proper verification can not be provided, insist on the account 's permanent removal. 
Consider further action, including public enforcement measures against XXXX XXXX  if they fail to comply with the CFPB 's XXXX. 
I am confident that the CFPB 's intervention is crucial to resolving this issue and ensuring the accuracy of my credit report. I am available to provide any additional information or clarification needed to support your investigation. 

Thank you for your continued attention to this matter.
Consumer complaint received 2022-08-05
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. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX BANK XXXX Balance : {$4400.00} XXXX BANK XXXX Balance : {$5700.00}
Consumer complaint received 2018-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Capital One is blocking from using external applications. The third party site I was using, which gave me this error, said this would be a good place to lodge my complaint. I feel I should be in control of who uses my data not them.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

my name is XXXX XXXX, and i am XXXX years of age i have been a victim of identity theft for over 15 years, i have the proper and supporting documents supporting my claim on identity theft with fraudulent accounts opened in my name fraudulently. i have enclosed the etc report along with the police report with the name and account numbers of these fraudulent accounts.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$4300.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1200.00}
Consumer complaint received 2018-05-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (LA)

I mailed three separate dispute letters to Synchrony Bank for Wal-Mart, JcPenney and XXXX XXXX on XX/XX/2018. I have not received anything verifying my debts with Synchrony Bank as of today XX/XX/2018. To my understanding if I, the consumer, have not received a letter on company letterhead verifying the debt with my original signature within 30 days, then the company, Synchrony Bank, must delete all accounts from my credit report.
Consumer complaint received 2024-01-30
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. (SC)

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " 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. " Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am exercising my right of opting out of your reporting services. These agencies never informed me of my right to exercise my nondisclosure option. 15 U.S. Code 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR1016.7 goes on and states that " A consumer may exercise the right to opt out at anytime. FERPA- Schools may disclose, without consent, " directory '' information such as a student 's name, address, telephone number, date and place of birth, honors and awards, and dates of attendance. However, schools must tell parents and eligible students about directory information and allow parents and eligible students a reasonable amount of time to request that the school not disclose directory information about them. Schools must notify parents and eligible students annually of their rights under FERPA. The actual means of notification ( special letter, inclusion in a PTA bulletin, student handbook, or newspaper article ) is left to the discretion of each school, the school never notified parents nor student of their rights annually. I am opting out of your reporting services.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

There are accounts listed on my credit report that I am not responsible for. 
1. XXXX Account # XXXX {$9300.00} 2. XXXX  XXXX XXXX  # XXXX {$0.00} 3. XXXX # XXXX {$3900.00} 4.XXXX XXXX # XXXX {$0.00} 5. XXXX # XXXX {$3000.00} 6. XXXX # XXXX {$11.00}, XXXX 7.XXXX  XXXX  XXXX XXXX {$920.00} 8. XXXX # XXXX {$3100.00} 9. XXXX XXXX  XXXX # XXXX {$2800.00}
Consumer complaint received 2018-05-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc. (VA)

I dont know why this company is callling my home. I have a perfect credit record and I dont owe any company any debt. I answered the last time they called and I kept saying hello hello and then I just heard a click in my ear. They never said a word.
Consumer complaint received 2017-04-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

This is a complaint regarding a dispute I submitted to Equifax regarding an inaccurate, erroneous  Tax Lien reporting illegally under my name on my credit report. I checked the Equifax website Check S tatus of dispute section and it states that I submitted my dispute on  X/XX/2017   , and it states that completion date scheduled was  X/XX/2017   .   However, it states that the dispute is still " PENDING '' after more than 97 days as of today    XXXX      XX/2017 .    Equifax has illegally surpassed the 30 to 45 days allowed to investigate a dispute under FCRA 611.     This Tax lien is erroneous and inaccurate and should be deleted immediately.      1   ) T ax Lien - #  XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am urgently appealing to you to swiftly eliminate the unauthorized ACCOUNTS from my credit report since I did not provide authorization for them, and they are causing me considerable distress. I implore you to rectify this error promptly.
Consumer complaint received 2017-01-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (ND)

I previously disputed the following addresses that do n't belong to me, but still is listed on my Experian credit report. The following addresses do n't belong to me : XXXX XXXX XXXX # XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX
Consumer complaint received 2024-01-29
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. (NC)

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 # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXXXXXX XXXX # XXXX , Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX # 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 2020-12-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I have made multiple attempts to update my report for to reflect that I was impacted by the Pandemic and Covid-19. This has made it extremely difficult to meet obligations for the account with XXXX  XXXX which is closed. I did try to dispute and fix with Equifax, XXXX, and XXXX refuses to add the affected by natural disaster or Pandemic to this reporting.
Consumer complaint received 2018-05-31
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: NRA Group, LLC (FL)

On XX/XX/XXXX of this year, I contacted XXXX  concerning the illegal tactics that National Recovery was using to attempt to collect money I have no knowledge I owe. The account number of the National Recovery isXXXX. I requested that National Recovery send me the detail of this debt instead of harassing me on the telephone that I owe a {$90.00} medical cost in XX/XX/XXXX. I am yet to receive this detail information. 

Based on my letter to XXXX explaining this issue, I received a letter on XX/XX/XXXX that National Recovery is no longer not reporting on XXXX credit file. Then on XX/XX/XXXX, another letter was sent stating that on this same account from National Recovery that it has reversed itself. 

National Recovery can not use the credit as a means to punish consumer. It must follow the law by sending requested information. And XXXX must maintain it's integrity to consumer. It can not play on our financial lives.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX  days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-01-27
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. (IL)

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.

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 2022-02-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation (CA)

https : //www.zocaloans.com/en/ is a tribal lender loan. I was referred to them when I found out XXXX had closed. I didn't realize the APR was 493.66 %. I borrowed {$300.00} and now I owe {$730.00}. This should be illegal.
Consumer complaint received 2018-05-31
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. (IL)

upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, XXXX and Experian attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX, XXXX, XXXX and XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.
Consumer complaint received 2024-01-25
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. (IL)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

Why do these two reports have different scores, look at the dates on report, this score from XXXX XXXX  was the same last time I applied for credit. The underwriter have a lot to do with this. Because I didn't have the down payment that they wanted, could not get vehicle. When are the car dealers going to go by the CFPB rules. XXXX
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

I filed a dispute with Experian. I requested for Experian to remove XXXX accounts from XXXX. I knew they had to be fraudulent accounts or extremely old accounts in which I can ask for deletion from my Experian credit report, so I filed a dispute and Experian did not delete, they informed me they are my accounts. This has to be a mistake made. The accounts have date opened in XX/XX/XXXX for each account and I did not attend school during that period. I have been out of school since XX/XX/XXXX in which I can produce proof of this. Also, I did not receive any loans from this organization in my last few years of college I which I can produce documentation. I had no accounts during this period of XX/XX/XXXX. I am not aware of these accounts and never made any payments on the account ; so either these accounts are extremely in which at this time I can request for old accounts to be deleted from my credit report or XXXX XXXX is fraudulent reporting dates and amounts as well as payment history so they can keep on my credit report, which is fraudulent. Again, I am asking for the removal of the XXXX accounts from XXXX XXXX, account numbers XXXX, XXXX, XXXX, XXXX.