davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

The 3 Credit Bureaus failed to notify me about the issue on CAPITAL ONE BANK USA N with account number XXXX. Thus, I have seen a lot of errors in the recent report which is not acceptable since it is hurting my credit score tremendously. There is no complete payment history and remarks were totally different from each of the bureau. This account should be removed since it is no longer used unless they can provide proof to validate the result of their investigation.
Consumer complaint received 2022-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-06-12
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: NAVY FEDERAL CREDIT UNION (FL)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, NAVY FEDERAL CREDIT UNION used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. NAVY FEDERAL CREDIT UNION reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2022-01-30
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. (AL)

I AM A VICTIMOF IDENTITY THEFT. I WAS TRYING TO BUY A HOUSE AND MY REALTOR INFORMED ME OF ALL OF THESE FAKE ACCOUNTS. THEY ARE RUINING MY LIFE. I AM GOING BROKE RENTING. I REALLY NEED HELP. PLEASE REMOVE THESE ACCOUNTS FROM MY PROFILE. ILL MAKE SURE TO MONITOR MY CREDIT PROFILE FOR NOW ON.
Consumer complaint received 2024-11-13
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. (CA)

Recently cheking my credit report I noticed that I Have been a victim of identity theft and found numerous credit accounts.please remove these fraudulent accauntas from my credit report.Thank You XXXX XXXX XXXXXXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX
Consumer complaint received 2022-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: U.S. BANCORP (MD)

US Bank holds the loan on my vehicle. I registered this vehicle with the state of Maryland in XXXX of 2021 and have been struggling to get the lien holder to process the title transfer from California to Maryland. Based on numerous emails, US Bank appears to have Since XXXX of 2021, I have calling and emailing back and forth with US Bank to get this done. I can not get anywhere. All they ever do is tell me it is not done yet. 
On several occasions, I asked for the name and contact information of someone who could help do more than check the status of the state to state lien transfer. I have repeatedly requested that the matter be escalated in the system and was told that they did not have the authority to write custom email requests. 
Despite the fact that I make monthly payments on this loan, I am unable to legally register the car nor can I attempt to sell it without the title transfer. I received a citation for an expired tag and have had to request a trial date to avoid paying a fine for something that I have absolutely no control over.
Consumer complaint received 2022-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

I am a victim of identity theft. A fraudulent account was opened with my information that I did not authorized. 

The account open was from XXXX credit. 
XXXX credit is a platform that allows any one to apply for credit online. My personal information was stolen and used to open this fraudulent account which even hurt my credit drastically. 

This fraudulent unauthorized account was reported to all XXXX bureaus and I manage to get it deleted out of XXXX, so how is Experian verify this information? 

I would like this account to be immediately DELETED from my credit reports.
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RevMD Partners, LLC. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the three major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX  XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Long Island XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/XXXX Recently, I, XXXX XXXX XXXX, was denied an extension of credit by Navy Federal. On XX/XX/XXXX, I applied for Navy Federal Go Rewards. 
As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Navy Federal has violated my federally protected consumer rights : XXXX. 15 U.S Code 1642 2. 15 U.S Code 1681M XXXX  XXXX XXXX XXXX Since the letter you sent me dated XX/XX/XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. Navy Federal should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (IL)

EdFinancial Services is making it difficult for new graduates in XX/XX/2023 to get out of the automatic loan deferment granted to new graduates. 

Although this 6-month deferment is a requirement for federal loans and usually benefits the borrower, EdFinancial Services benefits in this circumstance. The SAVE plan allows students with low income to benefit from not having interest accumulate on the loan if their monthly payments are zero. 

Given this, I want to get out of deferment and start payments using the SAVE plan. However, EdFinancial Services makes this process excruciating for students to get off deferment. First, there is no option online on their service portal. Second, the call center has unreasonable wait times, with the quoted wait time being " XXXX minutes ''. The bank is systematically creating barriers for new graduates to take advantage of the SAVE plan and benefit from collecting interest that otherwise would not accrue. Other banks are making this process much easier. Therefore, I believe this to be an intentional choice rather than a lapse in website functionality in order to benefit financially from getting higher interest.
Consumer complaint received 2022-02-01
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: BARCLAYS BANK DELAWARE (PA)

Last XXXX I purchased I steam shower. The company called me based by an inquiry I made about the product. The purchase was made over the phone. The shower came completely broken, the hot water was not mixing with the cold water. I called the company and they send over the broken part. I had it replaced by my plumber and we realized that the shower enclosure could not be sealed. Additionally the tub was leaking. Initially the merchant refused to accept the return of the shower. I complained to the credit card and a temporary credit was issued. After that the merchant agreed to take the shower back. I contacted the credit card company and told them the merchant agreed to take the shower back. The agent from the credit card told me keep all documents because they may ask for them later. 
However soon after the credit card send me a short notice informing me they could not help and charged my card. 
I contacted the merchant and he refuses to refund my charge, in spite of the fact that I have a statement showing the receipt of the shower. They told me the money belongs to them because they won the dispute. 
I reopened the dispute with the credit card and I send all documentation. Two month later I received the same short letter stating they could not help, in spite of the fact that they know the merchant has both my money and the product. Additionally I pay interest for the entire amount.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Credit bureaus and creditors were first made aware of identity theft and inaccuracies on my report in on or around XXXX  associated with these fraudulent accounts loans. All accounts associated with this debt should have been reported as fraudulent. This discrepancy has thus been removed from only XXXX  out of XXXX of the credit bureaus. I am sending this complaint on behalf of both Trans union and XXXX for still reporting inaccurate information. I spoke with a supervisor from credit Bureau and was told back in XX/XX/XXXX that this would be removed however its still being reported. Since then I have filed XXXX separate police reports concerning this fraud and forwarded this over to the company and never got response.
Consumer complaint received 2022-02-01
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. (SC)

Per my last complaint to Equifax ( attached ) I requested their proof of permissible purpose of my consumer report. In accordance to the FCRA ( Attached ) I have the right to request anything in my credit. Per the FCRA permissible purpose entails the following : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I am requesting proof of permissible purpose for the following accounts : XXXX XXXX XXXX XXXX Now, I need Equifax to understand that I have researched and understand and over stand my rights under the FCRA and their obligations as a credit reporting agency under the FCRA. Because of the disregard to their obligation under the FCRA I have submitted a formal complaint to the GA state attorney XXXX XXXX XXXX on XX/XX/2022 as Equifax have refused to supply me proof a court order or my written instructions granting them permission to furnish my consumer report. In addition to the efforts I have already taken, I will Under the FCRA seek damages in court in the amount of {$1000.00} per account PLUS putative damages. 

I reason to believe that equifax forgets that they are not a government agency and they have federal procedures to follow and nothing trumps that. 

I am hoping to settle outside of court However, in the event that Equifax continues not to comply with their Federal regulations and obligations I will proceed to filing my summons in court.
Consumer complaint received 2022-02-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I started a XXXX  XXXX with XXXX XXXX in XXXX and we converted to a XXXX XXXX so I could apply for a loan modification and was referred to XXXX  to assist me in helping with the loan modification. All the documents were sent to my mortgage company ( SPS SERVICING ) from XXXX for the loan modifications originally in XXXX. then SPS state missing docs & I uploaded, then SPS said was blank, then resubmitted the loan modification app and never knew or addressed by SPS that they received the application from XXXX in XXXX who was assisting me with the loan modification. XXXX did their part and no complaints on them or XXXX XXXX. My complaint is with SPS mortgage. I received my denial letter for the loan modification dated XX/XX/XXXX. 

Loss Mitigation Program Decision After careful review of your account, we find that there are no home retention loss mitigation options for which you are approved. Review parameters and details are provided below. 
Please note, " INCOME WAS NEITHER REQUIRED NOR CONSIDERED AS PART OF OUR EVALUATION ''. I don't know why income was not required. DID THEY EVEN REVIEW THE ORIGINAL LOAN DOCS SUBMITTED IN XXXX BY XXXX. 

I also signed up in XX/XX/XXXX for the Covid 19 relief for 3 months and granted but that will be up in XX/XX/XXXX.
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verisk Analytics Inc (NJ)

Lundquist Consulting Inc Consumer Center ( LCI ) has an inaccurate alleged bankruptcy that appeared on my consumer report with XXXX ( Lundquist Consulting Inc Consumer Center ( LCI ) supplies XXXX with this inaccurate alleged bankruptcy. 

I submitted the letter and attached documents to Lundquist Consulting Inc Consumer Center ( LCI ), however ; Lundquist Consulting Inc Consumer Center ( LCI ) DENY that it reports such information to XXXX and as such Lundquist Consulting Inc Consumer Center ( LCI ) states in their response letter to me that it doesn't comply with the FCRA laws MEANWHILE, Lundquist Consulting Inc Consumer Center ( LCI ) clearly reports consumers ' information to XXXX. 

Lundquist Consulting Inc Consumer Center ( LCI ) is acting like a FRAUDULENT private company by purposefully stating that the FCRA doesn't apply to it and LCI is also exhibiting characteristics of domestic terrorism 18 U.S.C 2331 -1 ( b ) ( i ) ( ii ) through intimidation, lies and coercing. 

Lundquist Consulting Inc Consumer Center ( LCI ) must be stopped and brought to book for such acts of deception, dishonesty and psychological intimidation to vividly state that it will not and can not delete such inaccurate alleged information about me ( a consumer under FCRA laws or regulations ).
Consumer complaint received 2022-02-01
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: Experian Information Solutions Inc. (MD)

On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MS)

I CONTACT EQUIFAX ON 10-20-21 ABOUT THESE INQUIRIES I DID NOT AUTHORIZE ALSO I CALL EACH COMPANY I WAS TOLD CALL EQUIFAX TO HAVE THEM REMOVED OFF MY CREDIT FILE BECAUSE I WASNT IN THEIR SYSTEM OR A CREDIT APPLICATION ON FILE, WHEN I CALL THEM ABOUT THIS PROBLEM, THEY DID NOT HELP ME AT ALL WITH REMOVING THESE INQUIRIES OFF MY CREDIT FILE BUT TODAY I WAS TOLD TO CALL THE FTC TOO HAVE THEM REMOVE WITH A FTC THEFT REPORT. I WILL LISTED EACH ONE THAT NEEDS TO BE REMOVE IMMEDIATELY BECAUSE THEY ARE NOT ANY ACCOUNTS OF MINES. WITH THESE UNKNOWN INQUIRY THATS NOT
 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX, OH XXXX 
XXXX XXXXXXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

My personal information on all credit bureau agencies are inaccurate. This includes my name, my address, phone contact, and background. I have been denied for falsified information on my report. Overall, I am still receiving these results of misinterpreted of my personal information.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

A bankruptcy is not allowed on my credit report after file date for more than 10 years. This is wrongful hurt to an individual when they allow it to stay on longer. Experian will not remove even though the other 2 credit reporting agencies did. This is vengeful on their part and Im not going to allow it.
Consumer complaint received 2022-02-01
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: CITIBANK, N.A. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

I was told that Congress had passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to minimize the impact of the COVID-19 pandemic, In particular, The CARES Act places important requirements on companies that furnish information to consumer reporting agencies about consumers affected by the COVID-19 pandemic. Basically, during a pandemic creditor can not report payments as past due, and make proper accommodations to consumers. 

I see incorrect & inaccurate late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-01-31
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. (CA)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I'm disputing on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time. 
I've tried submitting my documents several times but the bureaus seem to be ignoring my disputes.
Consumer complaint received 2021-07-05
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: EQUIFAX, INC. (IN)

I have talked to several people at Equifax and explained that the inquires on my report that they have not deleted per my request that this is all Fraud.