davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MD)

XX/XX/2021 To Whom It May Concern : We sent a detailed complaint letter to Navy Federal Credit Union ( NFCU ) prior to filing this complaint with the CFPB. The response was short and did not address the points that we requested in our initial letter. In fact, they took over 2 months to create a one-page document. In particular, they failed to investigate the behavior of the loan officer and function of the appraisal appeal process as well as how they select appraisers. 

As we mentioned in our initial complaint, the appraiser had an unprofessional website. Also, in the time since we filed our initial complaint, the appraisal firm selected by NFCU has apparently went out of business. We questioned the legitimacy of the firm in our initial letter as mentioned previously. 

Further, after we did a quick check, the business is not in good standing with the State of Maryland. 

NFCU did not address our concerns with the appraiser or the appraisal process in general. Frankly, this is unacceptable as the letter was specific and polite. It deserves an adequate response at the minimum. As stated in the complaint letter, we requested a refund/revaluation of the pricing for the loan. 
They have ( initially ) refused to do so. However, we still believe the appraisal was poorly done and needs to be revisited.
Consumer complaint received 2021-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (AZ)

True Accord Collection Agency-account numberXXXX You currently owe {$930.00} to XXXX XXXX XXXX. 
You may wonder why TrueAccord is contacting you about this balance. We know it may be confusing, so here is a breakdown. 

This debt came from a XXXX XXXX purchase you made. 
XXXX XXXX XXXX  was the lender that XXXX XXXX used for financing. 
XXXX XXXX XXXX  was the original creditor. 
When your debt was overdue, XXXX XXXX XXXX  sold the debt to XXXX XXXX XXXX who currently owns this balance. 
XXXX XXXX XXXX has asked TrueAccord to help you resolve this balance. 
That's how you got to us. 

You can view your options for resolving the balance by clicking the button below. If you have questions, you can reply to this email. A member of our Engagement Team will assist you. 
View My Options-Disputed
Consumer complaint received 2019-06-12
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: Innovis (GA)

To whom it may consern : My identity has been stolen and accounts had been opened in my name with out my knowledge, this report is been created in effort to clear my name. A copy of my drivers licence and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.
Consumer complaint received 2019-06-13
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: Innovis (NY)

Innovis refuses to remove fraudulent information. Innovis continues to deny my rights via fair credit reporting standards. The FTC will mount this complaint, alongside the Consumer Financial Protection Bureau and eventually fine Innovis for the violations against American Consumers it has committed. Innovis is also displaying two accounts as closed when the accounts are open. XXXX credit card and XXXX XXXX XXXX credit cards are both open. My XXXX account has disappeared from a credit report when my account is open with them as well. 

Innovis is reporting XXXX, XXXX XXXX XXXX, and XXXX XXXX/XXXX   CREDIT as legitimate accounts, when in fact they are fraudulent accounts and need to be removed. 

PDF from identitytheft.gov is enclosed. 

***Identitytheft.gov - FTC official statement has been included in this complaint*** ***Innovis has not responded to any of my disputes or requests for changes to my credit report regardless of waiting 30 days for each dispute/challenge to be completed in their respective cycle. ''
Consumer complaint received 2023-11-17
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. (MO)

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. 

I have been disputing for 6 months and this company has broken several FCRA violations. This company has sent STALL LETTER AFTER STALL LETTER AND OFTEN JUST IGNORED DISPUTES! Instead of addressing the actual problem which is another FCRA violation. I will be filing an additional compliant with the XXXX  and XXXX! The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the SEVERE financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

Today, I received an email from Identity Theft stating I need to log in because 15 days past after the last time logged in. I felt suspicious, so I directly logged in from the site. Somehow, I felt something wrong with my credit report regarding FTC Identity Theft. Even though all three credit report companies should receive the fraud alert, it looked like both Equifax and XXXX XXXX did not receive it ; therefore, I asked them to start extended 7 years fraud alert on me. I feel strong necessary because I found out my data was breached by Equifax in 2020.
Consumer complaint received 2021-04-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: American First Finance, Inc. (CA)

American First Finance spoke to me on XX/XX/XXXX and XX/XX/XXXX. I told them that I couldn't afford to make my payment. They told me to call back when I could. They turned around and charged my bank account on both days without my authorization. They never told me that they would charge my card. They did and still kept harassing me. I have been called on the XXXX, XXXX, and XXXX.
Consumer complaint received 2024-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

I am currently making additional payments towards my students loans each month as I am able ( my payments are currently being subsidized by my employer ). As such, I would like my overpayments to be credited to my principal amount. I currently owe more than I borrowed due to runaway interest even though I continue to make payments, so I assumed that I could pay down my principal as long as my account is current as with any other type of loan. The fact that I am not able to do so for my student loans is incredibly predatory, as I will never make it out of debt at this rate even though I am on a certified repayment plan.
Consumer complaint received 2024-08-27
Product: Credit 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 (CA)

I filed a dispute for a damaged freezer that I refused delivery. The company refuses to refund me although I do NOT have possession of the freezer. Barclay 's declined the dispute and is requiring me to pay the balance.
Consumer complaint received 2024-09-25
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. (TX)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name : XXXX XXXX XXXX, account number : # XXXX ). In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of every individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-09-25
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
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. ()

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2024-09-26
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. (SC)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (GA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-11-16
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: PNC Bank N.A. (NJ)

I have to check my records for specific dates, but they should have all phone conversations recorded. I was unaware PNC Bank would operate like this. 

In the middle of the year XXXX I was getting ready to pay off my car loan. I called in to make sure that was ok and that my contact and mailing address were up to date. I did this regardless that I was already getting mailing from PNC bank at my current address - including the loan payment slips. 

When I did not receive the title in XXXX I began making calls. 

First call I was told it was not mailed yet and my address was up to date. 
Second call I was told it was mailed to an old address. I demanded a lien release letter. I did not receive that. 
Third call I was told I should have received the letter and they would resend again. 
Fourth call I escalated the situation by mentioning the word " legal '' as I found out online it would command some action by their team. They finally mailed me the lien release letter but expect me to take the time and money to go get a replacement title. 

I have been to the DMV twice with long wait times and had to leave after wasting over an hour each time because my work and job is very demanding. I have no choice but to plead with the CFPB to assist me with this. After they collected all their interest, they decide they do not have do do anything. I am facing many hardships trying to get this title to sell the car.
Consumer complaint received 2024-09-25
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. (IN)

I would appreciate your help with the account that has been inaccurately reported on my credit report. This matter has caused significant damage to my reputation, and I am seeking your assistance. Your mishandling of my credit report has severely affected me, and this incorrect information has tarnished my reputation. Please take action to remove this misleading information from my credit report.
Consumer complaint received 2024-09-25
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. (IA)

IDENTITY THEFT REPORT AFFIDAVIT name : XXXX XXXX address XXXX XXXX XXXX at XXXX XXXX, IA XXXX DOB : XX/XX/XXXX last 4 BBN : XXXX I make the following declarations under the penalty of perjury There are fraudulent accounts, inaccurate personal information, and unauthorized hard inquires appearing on my credit report and i want them removed immediately because they do not belong to me! i wrote XXXX, XXXX, Experian and the companies listen in the affidavit numerous times " DEMANDING '' that they " PROVIDE ME WITH PROOF '' of the original contracts, which contain my " WET SIGNATURE '' PER, the FCRA SEC.609.

I also requested that they remove all of the hard inquires that they put on my credit reports without my written authorization or consent. PER. FCRA BEO.604 I HAVE THE RIGHT TO PRIVACY! and although i made these request more than 30 days a I still have not received any response or relief, according to the law, ( 15 USC 1681 ) it is the credit bureaus an the data furnishers grave responsibility to insure maximum possible accuracy! thee fraudulent accounts, inaccurate personal informatic and unauthorized hard inquires are steal appearing on my credit reports, and it's hurting my ability to obtain credit. 
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 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
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

You entered false information on my credit report. You are reporting me as 180 days late for XX/XX/2023 and XX/XX/2023 for my auto loan with XXXX but I was not late on my monthly payments to XXXX during these months. I had already paid XXXX the remaining balance for this vehicle during my XXXX XXXX Bankruptcy. I did not receive a discharge before my XXXX XXXX was dismissed, but this account was paid off as the attached official bankruptcy documents confirm. I did not owe the monthly auto payments in XX/XX/2023 or XX/XX/2023.
Consumer complaint received 2024-09-25
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: Experian Information Solutions Inc. (WI)

I am writing to dispute several hard inquiries on my credit report that were made without my authorization. These inquiries were not initiated or approved by me, and therefore, I request their immediate removal from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-09-26
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. (AZ)

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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

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 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I had a loan with XXXX  for XXXX dollars, opened in XXXX of XXXX. I was making on time payments and had no issues with the loan. In XXXX of XXXX, I received an email offering a tax refund special to pay my account off early for a reduced price of XXXX saving me XXXX according to their email. I made the requested payment and they then reported my account as charged off and settled for less than the original balance to the credit bureaus. I have reached out to both XXXX and the credit bureaus multiple times with no response. This account was never charged off and was on time at the time of the reduced payment. I only took the offer because they offered a savings. The last 4 of my social security number are XXXX. The account number as listed on my credit report is XXXX. I have attached the email, some of the letters I have sent to both the credit bureau and XXXX my bank statement showing the payment and the issue on the credit report.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

On XX/XX/2024 I opened an account in pursuit of a {$500.00} promotional incentive. I met all requirements ( $ XXXX direct deposit and enroll in online/mobile banking ) but was told I was declined due to the fact that I previously had a business account. The terms and conditions state everything that disqualifies you is regarding a consumer checking account. Then it states you can not have had a bonus in the last XXXX year. The is very misleading as all terms and conditions are regarding a consumer account. The current bonus that they have also is exclusive to consumer accounts. 

I should be paid the promotional incentive as I met all terms and the conditions were misleading about only a consumer account mattering.
Consumer complaint received 2024-09-26
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. (FL)

This acct was charge off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) and on XXXX it's ( XX/XX/XXXX ) If the information is coming from the oringinal creator the dates should be the same. We can not say this account is 100 % accurate so it is deemed INACCURATE. Please delete this account from my report.Account Name : XXXX XXXX XXXX  I HAVE ATTACHED REPORTS AND MY ID, SS CARD AND VERIFICATION OF MY ADDRESS