davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (IN)

In XX/XX/XXXX my wallet was stolen and a rental car was taking out on my card using my id, the id and the debit card had two different names on them but was still able to be used, at the rental car company. I called and disputed the charges and they told me that it would take 10 days to investigate. After the XXXX  days I was not contacted or sent a letter stating the findings, XX/XX/XXXX they put my account in a negative balance of XXXX $ and said that there was nothing else they could do about the situation.
Consumer complaint received 2022-08-15
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: Experian Information Solutions Inc. (MN)

Review attached XXXX XXXX XXXX and Confirmation Number : XXXX of information I received from XXXX on XX/XX/XXXX. I am a victim of the recent XXXX credit score error. The following public record was was deleted and removed from my XXXX credit report by XXXX on XX/XX/XXXX, but the public record has been reinserted on my XXXX credit report : Case or ID : XXXX, XXXX XXXX  XXXX XXXX, Minnesota. The Public Record thats currently listed on my XXXX and Experian credit report is not my public record. The XXXX XXXX  XXXX Account : XXXX with a balance of {$330.00} thats currently listed on my XXXX and Experian credit report is a fraudulent account. The XXXX XXXX  XXXX Account XXXX not my account. I did not apply for the XXXX XXXX XXXX Account. The XXXX XXXX XXXX  XXXX XXXX Account : XXXX is lost/stolen. The balance of {$270.00} on the XXXX XXXX XXXX  XXXX XXXX Account is all fraudulent transactions and not my charges. The following credit inquiries thats listed on my XXXX credit report is fraudulent, unauthorized, and not my credit inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX, XX/XX/XXXX
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

violation of the following : I never permitted Experian, XXXX, and XXXX to report any negative information on my consumer reports, nonaffiliated third party and receive any disclosures .15 U.S. Code 6801 - Protection of nonpublic personal information15 U.S. Code 1681b - Permissible purposes of consumer reports15 U.S. Code 6802 - Obligations concerning disclosures of personal information any consumer reporting agency may furnish a consumer report under the following circumstances and no other : By the written instructions of the consumer to whom it relates. 
consumer ( c ) The term consumer means an individual. 
consumer reporting agency that compiles and maintains files on consumers on a nationwide basis The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling evaluating, and maintaining, to furnish consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide.
Consumer complaint received 2020-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Order was placed to a XXXX company called XXXX XXXX XXXX XXXX  XXXX on XX/XX/2020 Amount of purchase was {$3000.00} American Transaction was conducted under XXXX XXXX XXXX program Credit card used was a double cash back citi bank credit card. 
XXXX  XXXX guarantee shipment 50 days from day of purchase. 
The manufacture promised 60 days. 
Manufacture provided false shipping information to prolong process. 
Both XXXX and citi bank are claiming they are waiting on responses from each other for refund. 
As of XXXX still do not have any valid shipping info of product or refund.
Consumer complaint received 2015-08-25
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

I noticed a suspicious looking charge on my USAA Mastercard. The details are : Merchant or Business Name : Virtual OfficeAmount : $ XXXXTransaction Date : XXXX XXXX, 2015. 
I contacted USAA to report this as fraud. USAA did not do any investigation. USAA said I was present in New York when this transaction happened. I was not in NY and have not been anywhere near NY in 20 years. I sent USAA an affidavit proving that I was not in New York in XX/XX/XXXX. USAA did not provide any receipt or anything to show that I personally made this charge. No signed receipt was provided. 
Under the Consumer Protection XXXX, I believe consumers are not liable for fraudulent charges. 
My complaint is that USAA is violating that charge by holding me responsible for something I did not buy. My requested resolution is for USAA to deduct the {$71.00} from my account. USAA did not even change my credit card number as I requested in XX/XX/XXXX. Their customer service is very poor.
Consumer complaint received 2015-05-23
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Onity Group Inc. (CA)

I was a co-borrower in a housing loan with my former wife. When I divorced my wife, the loan with OCWEN was modified but the modified loan still shows that I am a co-borrower. I did not give my consent, verbally or in writing or thru an Special Power of Attorney, that I would still be a party to the loan modification. My credit report shows that I have an outstanding home loan with OCWEN/LITTON. I did NOT sign any loan modification documents at all. I have asked copies of the loan documentation from OCWEN/LITTON but they have refused my request.
Consumer complaint received 2022-08-15
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: EQUIFAX, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

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 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

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 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-11-19
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. (OR)

I sent a letter to XXXX  XXXX and TransUnion on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 60 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/XXXX I mailed out my dispute with all three consumer reporting agencies as well as XXXX XXXX XXXX. 

To whom it may concern, My rights as a federally protected consumer are being violated by XXXX XXXX XXXX XXXX, Transunion, XXXX and XXXX by reporting late payments on my monthly consumer credit report. XXXX XXXX XXXX XXXX and the above consumer reporting agencies did not disclose information to me on how to, or to give me opportunity to Opt Out before sharing or disclosing my personally identifiable financial information.

Privacy Act of 1974 provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. '' 15 U.S.C. 1681 Congressional findings and statement of purpose ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy : 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.

Nonpublic personal information : ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.

16 CFR 313.3 Definitions ( o ) ( 1 ) Personally identifiable financial information means any information : ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information.

16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Per FCRA 15 U.S. Code 6802, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you, past, present, future, written, unwritten, verbal, and nonverbal, to disclose any payment history information.

Please remove the reporting of my payment history, Late payments are payment history and personally identifiable financial information.

Thank you for your prompt attention to this matter
Consumer complaint received 2022-08-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$360.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00}.
Consumer complaint received 2022-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion claims to have verified these fraudulent late payments. I've never missed a payment on any of my accounts. Please show me how you verified these accounts.

15 U.S.Code 1637 ( b ) ( 2 ) ( A ) is a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done a creditor/collector can not report late payments. The creditors/collectors did not provide the documentary evidence as requested in to be eligible to report late payments without meeting the requirements under 15 U.S.Code 1637 ( b ), which is a violation of 15 U.S.Code 1666b
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

While I was in college, there was a data breach at our admissions office. I was later informed that I have had my personal data used. I was informed to start pulling my credit report for issues. I waited for a while and noticed XXXX accounts I did not apply for. I filed a incident report and submitted it to the credit bureaus and lenders. But still have not helped me resolve the issue. I need help to remove these items. Please see the following : XXXX XXXX XXXX balance : {$00.00} opened : XXXX XXXX XXXX XXXX XXXX XXXX : {$110.00} oened XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Someone used my identity for a cable bill that I was not aware of. I found out when I moved into my own place and couldnt get cable because they said I had a balance of {$790.00}. I informed them that I never gave my consent to put the cable in my name and I tried to dispute it they threaten to ruin my credit. They put the account in collections without my knowledge. I never received a letter from the collection agency but they put the account on my credit without my consent.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to file a formal complaint with the CFBP regarding fraudulent accounts that have been inaccurately reported on my credit report. These fraudulent accounts are damaging my creditworthiness and financial standing, and I am seeking your assistance them promptly removed. Under the provisions of the Fair Credit Reporting, I am entitled to accurate and up-to-date information on my credit report. It has come to my attention that the following fraudulent accounts have been reported : Account name : XXXX XXXX account number XXXX Date opened XX/XX/XXXX Account name : XXXX XXXX XXXX account number XXXX Date opened XXXXXX/XX/XXXX Account name XXXX XXXX account number XXXX Date opened XXXX  I did not open or authorize accounts, and they are the result of identity theft ot fraudulent activity. I have taken the necessary steps to dispute these accounts with respective creditors, but to no avail. Despite providing evidence of the fraudulent nature of these accounts, they continue to negatively impact my credit report and financial well being. I am requesting that the Consumer Financial Protection Bureau intervene in this matter and facilitate the removal of these accounts from my credit report. The CFPB mandates that credit reporting agencies ensure the accuracy and integrity of the information they report, and it is clear that these accounts do not meet that standard. 
All of these accounts must be removed from credit report.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX  # has violated my right 15 U.S.A.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!

Attached is a document from The United States Bankruptcy Court that states they do no report this information to the three bureaus so how is it that this information is reporting to my credit report.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

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 2022-08-15
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. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXX 's Metro 2Compliance standards, then I contest the reportability of any such claim. The XXXX 's XXXX stipulates that '' ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, you must accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested.Listed below are the Collections that are being challenged : XXXX XXXX  - XXXX
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

I dispute this report for more than 5 times and claiming there are many errors in this report with this account, company only reposed with confirmed, no solution.This is a violation against Fair credit act.I
Consumer complaint received 2020-05-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NM)

On XX/XX/20, I had been in contact with someone about purchasing a puppy. We discussed shipping the puppy from NC to my address. They set up a dummy website for a product that they do NOT carry ( XXXX puppies ). The seller did not contact me after the payment of XXXX was sent. I later found out that their website was a scam after the funds had been transferred. I contacted my bank to close my account to prevent the funds from be transferred. I made a dispute claim with PayPal twice and they closed the dispute both times.
Consumer complaint received 2017-01-12
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Comerica (NM)

I receive my XXXX benefits on the Direct Express Card provided by Dept. of Treasury, and I had unauthorized charges deducted from my account. I filed a claim on XX/XX/2016 and never received a refund, response or the forms I was supposed to get. I called and was told that they would resend the forms for me to sign again in late XX/XX/2016. I NEVER received them. I keep calling to see why I have n't received the forms, updates or my money back and I keep having to give all my information to get to " Level 2 '' and then they hang up on me. This is fraudulent and I need my moneu to live. Why is it the US Treasury allows this to happen to its people? Will you help me remedy the issue?