davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (MD)

I am writing to formally dispute inaccurate information being reported on my credit report by Navy Federal Credit Union ( NFCU ) pursuant to the Fair Credit Reporting Act ( FCRA ). Specifically, NFCU has incorrectly reported my account of two of my credit cards as 30 days late to both XXXX and XXXX, while inconsistently reporting it as 60 days late to XXXX. This reporting is factually inaccurate, as I have never missed or been late on a payment for this account. 

The truth is, I was granted a deferment on my account payments from XX/XX/year> until XX/XX/year>, and at no point has my account been overdue. Despite this deferment, Navy Federal Credit Union falsely claimed that my account was late, which led to the incorrect reporting to the credit bureaus. Further compounding the issue, NFCU closed my account based on this erroneous XXXX late status. 

I have previously requested an investigation into this matter, yet no resolution or formal written findings have been provided to me. This continued incorrect reporting has not only impacted my credit standing, but it has also caused significant distress and financial harm. 

I am requesting that Navy Federal Credit Union immediately rectify the inaccuracies on my credit report by deleting the accounts from all three credit bureausExperian, XXXX, and Equifaxas they can not validate the correct information. Reflecting that my account was neither 30 days nor 60 days late and that I had an approved deferment until XX/XX/year> is both horrible service and illegal. 

Should NFCU fail to take immediate corrective action and properly update my credit report, I will be forced to pursue legal action in my jurisdiction to seek monetary damages for the harm caused by this inaccurate reporting. 

I look forward to a prompt response and resolution of this matter. Please note these are my words and my own complaint and I am not being coerced into writing this complaint or represented by third party. Please do not try and delay the outcome by using this manipulative method of stalling.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MS)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I requested that XXXX XXXX/Credit Card Company update the balance to XXXX on all my credit bureau reporting agencies after I settled and paid off a 6-year-old debt on ( two ) separate credit cards that had already been written off, charged off, and out of PA STATE statute of limitations, despite paying off these in cash at a local XXXXXXXX XXXX. They have been giving me a run around from my numerous requests to update these two credit card balances to {$0.00}. I have disputed this five times with no resolution from XXXX, XXXX, XXXX, and TransUnion, and there have been no results. This is why I am asking the CFPB to intervene, as I am applying for a loan/mortgage, and this incorrect information is hindering my dream of purchasing my first home
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I requested that XXXX XXXX Credit Card Company update the balance to XXXX on all my credit bureau reporting agencies after I settled and paid off a 6-year-old debt on ( two ) separate credit cards that had already been written off, charged off, and out of PA STATE statute of limitations, despite paying off these. I was also told to send a copy of my bank statement showing the posted transactions. They have been giving me a run around from my numerous requests to update these two credit card balances to {$0.00}. I have disputed this five times with no resolution from XXXX, XXXX, XXXX, and TransUnion, and there have been no results. This is why I am asking the CFPB to intervene, as I am applying for a loan/mortgage, and this incorrect information is hindering my dream of purchasing my first home
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I requested that XXXXXXXX XXXX XXXX XXXXXXXX update the balance to XXXX on my TransUnion credit report after they mailed me an IRS 1099-C tax form for a XXXX debt that had already been written off. I included this 1099-C in my tax filings and have already paid taxes on it by filing my XXXX  IRS tax return. Despite this, XXXX has been deceptive and has not updated the balance from {$11000.00} to {$0.00}. I have disputed this XXXX times with no resolution. This is why I am asking the CFPB to intervene, as I am applying for a loan/mortgage, and this incorrect information is hindering my dream of purchasing my first home
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NV)

I am trying to pay off my credit card, I tried to access my account but it wont let me sign in. I tried to change my password multiple times but it wont let me as well. I called the credit card company multiple times but its either they don't want to help me or they can not help me. I need to be able to see what I owe, to pay them. It's kinda unfair that I may be accrued or accruing interest charges when I tried multiple times to pay my credit card bills. If I can not access my account, and they can not do anything to give me access to my account then who can?
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TX)

I contacted Ally financial and requested for an extension of my XXXX auto loan payment in the amount of {$1100.00}. I was eventually granted approval of the request on XX/XX/year> ( See attached letter ). I was told to make a minimum payment of {$670.00} within 10 days from XX/XX/XXXX ( the date the agreement was incepted ), and the remaining {$360.00} will be due on XX/XX/year>. On XX/XX/XXXX, I received a text that my payment for {$670.00} was past due which was only 6 days within the allowed 10 days as agreed to. I contacted their call center and there was a huge language barrier and I kept requesting for a manager and got no where. I then hurriedly made the payment to remain compliant to the agreement. On XX/XX/XXXX, my 3 credit reporting servicer notified me that I had received a late payment from a creditor. I logged in and noticed that Ally had reported my XXXX auto payment which was not due until the XXXX and which they had approved an extension on the XXXX of XXXX was 30 days late. I contacted Ally customer service on XX/XX/XXXX and once again experienced the same communication challenge. At this point I had satisficed the terms of the extension agreement including making the payment of {$360.00}. I was informed I could contact the credit reporting agencies directly which I did and only XXXX deleted the late. Both XXXX and XXXX have refused to delete the late from my record.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

i have a late payment being reported by Bank of America and its in violation of The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, passed by congress and signed into law on XX/XX/year>, contains a provision explicitly addressing the FCRA. Section 4021 they reported a late payment on XXXXXXXX XXXX XXXX which should not have been reported i contacted them and explained the situation that i was affected by the corona virus.
Consumer complaint received 2024-10-21
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. (CA)

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-21
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

I got repeated pre-approved offers from synchrony Financials paypal Mastercard. 
In XXXX I opened an account. 
I paid my account every time I use it as soon as the payment posts to the account. 
On XX/XX/XXXX my credit card was closed without informing me. 
On XX/XX/XXXX I figured out this fact in an embarrassing scenario causing significant problems for us. 
I called customer service twice since then. They told me that card was closed as " the credit bureau closed it because you are high risk ''. They refused to tell me why I am high risk and what information makes me high risk. I requested for them to tell me which credit bureau was used and they refused to disclose this information as well. The customer service representatives agree that they can't find any derogatory marks or high risk but blame the credit bureaus for closing my account. I requested for them to atleast send me an adverse action letter. Eventually they sent me a letter stating that " as per my request on XX/XX/XXXX my account was closed ''. Although the account was actually closed on XX/XX/XXXX with no request from me and without informing me about it. 

Me and my wife are XXXX and earn a reasonable income that XXXX  are expected to earn. We do not have any student loans, debts or child support and our mortgage and car loans were paid off several years back. My credit score on 3 major credit bureaus is between XXXX to XXXX. I don't have any derogatory marks on my credit reports that I can see. 

Synchrony Financial is continuously refusing to tell me why I am high risk. Probably it's just because of my name or the color of my skin as they can't find anything wrong with my finances. 

The blatant violation of fair credit reporting act and disregard of laws of the land is aggregious in this case
Consumer complaint received 2024-10-18
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. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice 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 2024-10-18
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. (FL)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (FL)

1mmediate removal of the charge-off status and all related delinquency marks ( 30, 60, 90, 120, 150 days past due ) from my credit report, as this information is inaccurate and disputed. 

Verification and correction of the account balance, ensuring that it accurately reflects any legitimate payments made or amounts owed. 

Investigate the previous dispute and reinsertion of incorrect information, ensuring that no further reporting violations occur. 

Notify all credit bureaus ( XXXX, XXXX, and XXXX ) of the corrected account status and provide written confirmation of the investigation and results.
Consumer complaint received 2024-10-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I had requested the capital one void my auto loan agreement due to the lack of title transfer by the car dealership XXXX XXXX despite the completion of the purchase and disbursement of funds by capital one auto finance I had not received the title to the vehicle over all this failure to transfer title constituents, a material breach of the auto loan agreement under the uniform. Commercial code UC, see section 24012. The seller is required to transfer the title to the buyer upon delivery of the goods. In this case, the seller XXXX XXXX failed to feel this obligation, rendering the contract void for the more you see C-section 2 602 provides a buyer may reject the goods if they do not conform to the contract as a seller failed to transfer a title, the goods which is the vehicle did not conform to the contract, allowing me to the reject them I am requesting that capital one auto finance immediately terminate the auto loan agreement and refund all payments, made a fool. I am also requesting that any liens or security interest placed on the vehicle. Be released. 

I had made complaints to attorney general and the dealership. 

The dealership lied and stated that they provided me with title which is untrue. The only sent me a XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (NC)

I received a bad check from someone who scammed me with a job offer on XXXX XXXX, and I immediately notified my bank ( Truist ) and gave them all necessary information about the situation. In the following week the only way I received updates was by going down to the branch during my work and lunch hours as my life fell apart around me from not being able to access the money in my bank account, or even use my bank account/make a new one to pay bills. I was notified in person when the clerk spoke to them on the phone, that they were closing my account. After being told that there was nothing anyone could do and I would need to wait for an email or a letter in the mail, I never received any correspondence from them. I called again today and was told they were supposed to send the letter out, and that I now needed to pay money to have my funds in my savings account released. I have not received any letter and I have no idea how an account thats set up to automatically transfer money from my savings account if overdraft could be negative. I have also not received any written correspondence of any of the things that have happened with my account. This is my first ever bank account and experience dealing with fraud and it has been an extremely traumatic and stressful 3 weeks. I was not helped or supported in anyway and have been treated like a criminal since the beginning. Its already hard to deal with feeling naive enough to fall for a scam, but having your bank treat you like scum of the earth because of it is even worse and a lot harder to get over financially as well as emotionally.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I'm filing this complaint about late payments on my credit record. I found these late payments when checking my records. I sent letters about this over 30 days ago but got no response or proper validation. I need your help to fix this quickly and effectively.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION (CA)

In my credit karma account my XXXX and XXXX score went down because it says i missed payments with my XXXX XXXX with sallie mae, I never went to school here in the USA and never used a student loan at all, not even when I was in XXXX, where I did a fe XXXX XXXX XXXX I never used XXXX XXXX at all.