davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (IL)

XXXX referred me to your agency today. 
live at XXXX XXXX XXXX, XXXXXXXX XXXX 
A few months ago, I discovered I was the victim of mail and XXXX XXXX fraud involving a {$400.00} check I wrote on XX/XX/XXXX to the Navy Federal Credit Union, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
The check was for my estimated taxes paid to the XXXX Department XXXX XXXX. 

The state notified me in XXXX that I had not paid my estimated taxes. 
I checked and found that my check had been stolen, chemically " washed, '' a new payee added and the check cashed at the Navy Federal Credit union. 
I have attached a copy of the check and also an affidavit on XX/XX/XXXX, to my bank, XXXX XXXX XXXXXXXX XXXX and my police complaint. I also filed a complaint to the XXXX, Postal Service. 

XXXX XXXX has written repeated requests to the Navy Federal Credit Union to recover my {$400.00}. The Navy Credit Union has not responded.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

During a credit check for employment via XXXX, Toyota Motor Credit is reporting that I lived at XXXX XXXX XXXX XXXX, XXXX, WY XXXX. I never lived at this address. I did however, co-sigh for an auto loan for my son. 
XXXXToyota Motor Credit came back from my initial complaint saying the information was correct, It is not correct. My son lived there, I did not. Please help me remove that address as a previous residence for me. 

Thank you,
Consumer complaint received 2024-07-24
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: United Shore Financial Services, LLC (AZ)

United Whole Sale Mortgage was a nightmare to work with and even now, after my property was sold, they continue to move extremely slow with providing good service and adequate timing for their processes. My property closed on XXXX XXXX XXXX for {$550000.00}. My realtor and her team would submit ALL requested documents from UWM and they would tell us that we had to wait 3-5 business days to hear a response because they only had one individual working short sales for the company. In short, UWM falsely reported that I did not pay the agreed amount of funds for my short sale which is extremely in accurate. I reached out to UWM during the first or second week of XXXX XXXX  asking what happened and why they reported the false material to the credit bureau and all the representative could tell me was I dont know. That representative tried contacting XXXX XXXX ( the sole individual for UWMs short sale department ) and didnt get a response. I even emailed XXXX along with my mortgage team and XXXX never responded. Even after the transaction happened around XXXX XXXX XXXXXX/XX/year>, UWM had a delinquent amount on my account, so I messaged them through UWMs chat and explain that the documents/funds that they say were delinquent on my account was sent in already. Around XXXX that day, UWM closed my account online online, so I no longer could view it, thus meaning to mean that they had finally processed everything. Im not sure what UWM is up to, but they are lying about my account not being paid in full. I have reopened the dispute with XXXX to investigate and I really hope we can get this resolved soon, so that my credit score can go back up XXXX points.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, I presum that no proof of the alleget debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-07-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Someone rented a car from my company on XXXX  for {$1500.00}. The bank saying this person disputed the transaction, however I have a copy of the Car Rental Agreement, Copy of the person Drivers License, A Written Notorized Letter from this person, A Transaction Letter and a copy of any and all receipts regarding this transaction.The bank still made my Business Bank Account negative.My specialist XXXX has been very spiteful by holding not only this payment but all payments that our Company received on 7/4/2024.infact, I've responded to any and all requested emails and provided proper documentation.However the bank has decided not to do business with my company, yet they are holding my funds they saying for 6 months and I can't seem to understand why or how it's possible to hold someone's funds That has nothing to do with the matter at hand.Ive called in spoken to my specialist XXXX about it but she is being absolutely making it her business not to release my funds to my account. I need this matter to be looked into immediately.
Consumer complaint received 2023-11-20
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)

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 : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-07-23
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: NAVY FEDERAL CREDIT UNION (DC)

Hello this is XXXX XXXX XXXX My mother has a statement to explain for this tragedy against me " Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DC XXXX NAVY FEDERAL XXXX XXXX XXXX XXXX, VA XXXX Re : Alleged Violations of the Fair Credit Reporting Act ( FCRA ) Related to XXXX XXXX XXXX and XXXX XXXX XXXX Accounts . This letter is written in furtherance of the Consumer Financial Protection Bureau ( CFPB ) complaint process. 


Dear Navy Federal Customer Service, I am XXXX XXXX, am writing to bring to your immediate attention several alleged violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) related to my account with Navy Federal and my sons Authorized User Status. As you are aware, I am the primary holder of the Navy Federal Unsecured Credit Card Account, and my son XXXX XXXX XXXX, is an Authorized User on the Account. However. Despite my repeated requests dating back to XX/XX/year>, your institution has failed to report any information about this account to any of the three major consumer reporting agencies XXXX. XXXX XXXX XXXX on my sons credit report, in violation of Section 1681b of the FCRA. This failure to report accurate information is a clear violation of the FCRA. As a result of your institutions wrongful acts, my sons credit score has been unfairly impacted by your error, and he has suffered damage to his creditworthiness. 

Furthermore, my son XXXX XXXX XXXX has specifically requested to be added back as an Authorized User on his own credit report, which your institution has failed to do despite his repeated request. Pursuant to Section 1681m of the FCRA, we demand that Navy Federal immediately add my son back as an Authorized user and report information about this account to all three credit bureaus. Failure to respond to my request will allow for me a lawsuit against your agency and I will definitely report you to the Security Exchange Commission. Please add - XXXX XXXX XXXX back onto credit report, Navy Federal removed him by error. I am asking for {$1000.00} fine for each day when you fail to comply to my request. This is urgent and I will be glad to hear from you after reading this request from XXXX XXXX XXXX. 

Sincerely, XXXX XXXX ''
Consumer complaint received 2024-07-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: NAVY FEDERAL CREDIT UNION (GA)

Someone had gained access towards my Navy Federal Account, through changing my password on XX/XX/XXXX of XXXX. They had then deposited {$1700.00} USD and taken it to do some sort of cash order from XXXX. I had received emails of both of these statements occuring, but shortly after this my account had been closed due to suspicious activity on the card. I then began to receive letters in the mail from Navy Federal stating that I had an undisputed overdraft of {$1700.00} in my account due to this occuring which then I had contacted and called them. When I called them, they stated that I had taken out these {$1700.00} dollars to XXXX, but I have no recollection of using XXXX  since XXXX. Forward to present, I have received a letter from XXXX XXXX XXXX stating that I have an unresolved debt of this {$1700.00}.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

This company ( NAVY FEDERAL CREDIT UNION ) is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CARCO Group, Inc. (FL)

DriverIQ use my personal info without my written consent. DriverIQ also collected my info without my written consent which is identity theft. I am a federal protected consumer and DriverIQ has committed fraud. 15 usc 1681
Consumer complaint received 2024-07-22
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: Experian Information Solutions Inc. (IL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-28
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. (FL)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct them immediately : XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-21
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. (OK)

I am formally requesting the removal of three mortgage defaults from my credit report. Per my XXXX divorce decree ( XXXX XXXX XXXX XXXXXXXX ) filed and XX/XX/XXXX, page XXXX, XXXXXXXX XXXX, number XXXX, my ex-husband was responsible for refinancing and maintaining the property. He defaulted three times in XXXX, using my credit unlawfully from XXXX to XXXX, without my knowledge. This has unjustly impacted my credit history. I became aware when I went to purchase my current home. 

The property has been sold, and he was solely responsible for these defaults. Additionally, my ex-husband has a history of fraudulent actions. Another property mentioned in our divorce decree, a lake home referenced in line XXXX, was also sold using my credit until the date of its sale. His current wife, XXXX XXXX, fraudulently impersonated me and signed the papers to sell the property, acting as me. Despite my name being on the debt and mortgage until the date of sale, the sale documents were drafted in her name, not mine. I had to contact the title company to obtain the sale records to close on my current home and became of aware of this fraudulent action. I want no ties to this type of behavior nor the repercussions of other 's fraud. 

I urge you to rectify this issue immediately by removing these defaults from my XXXX XXXX. 


Sincerely, XXXX XXXX
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I sent in a letter regarding two accounts on my credit report that are allegedly past due and negatively reporting on my report, which was not approved by me or opened up by me I also submitted my documentation from the commissioners office in my state which is New York because at the time of the alleged debt/ account opening I was XXXX  and XXXX XXXX XXXX So I made sure to reach out to The state commissioner until I got a response and they wrote a letter regarding my XXXX and that those debt could definitely not be me.
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

To Whom It May Concern, I am writing to formally request the removal of outdated charge-off accounts from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), Sections 605 and 607. According to FCRA guidelines, negative information, such as charge-offs, should not be reported after seven years from the date of the first delinquency. I recently reviewed my credit report and noticed that several charge-off accounts are still being reported despite being over seven years old. The details of these accounts are as follows : Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-21
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. (FL)

Hi EXPERIAN, I just receive a copy of my credit report and can not believe what I see. Someone stole my identity and open this fraud credit card account without my knowledge. I was on the phone with the fraud team from XXXX XXXXXXXX XXXX XXXX and they told me this account is no longer on their system. The fraud team also told me that I have the right to have this fraud account delete from my credit report since they already flag it as fraud. I would like to exercise my right to have this fraud account delete from my credit report.
Consumer complaint received 2024-07-21
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items, which only two are required per law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-21
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. (CA)

I have reviewed my consumer reports and noticed that I have a late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abilities with maximum accuracy. 

I have never been late on payments for the accounts that I have included in the screenshot inside of this complaint on the date of XX/XX/year>. 

Please investigate and provide proof with statements showing that this late payment was late. If proof can not be provided, I demand that these payments be updated to paid as agreed on time because I was never late. Thank you! 

Please see attached screenshot.
Consumer complaint received 2024-07-21
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. (OH)

My issue is with XXXX XXXX. I began getting calls from them a few months ago that I had two separate loans that needed to be paid off, neither of which were taken out by me, though they had ALL my information attached to them. One was for XXXX dollars and the other around XXXX. I told them on several calls this is fraud and to please open a case, as the sales were made in DE and I live in OH. They told me on every phone call from XXXX now ( XXXX ) they would open a case and not charge or report the items to credit for well over a month. However a few weeks would go buy I would hear nothing and then get another call and the same thing would happen and be told I owe money to them and was told again they opened an investigation, never any proof of this.