davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-03
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 (MD)

On XX/XX/XXXX I was notified by Navy Federal Credit Union ( NFCU ) that there was suspicious activitiy conducted on my account. When I reviewed my account, there were two dedutions of {$520.00} for a total of {$1000.00}. The transactions were used on something called " XXXX ''. I immediately contacted NFCU and expressed to them that I didn't make those charges. I went to the NFCU branch in XXXX and they collected the card and shredded it and I was issued a new debit card. They issued the funds back into my account. So I thought this was over. A couple of days later when checking my account, I realized that NFCU went back in and deducted the {$1000.00} from account. In an email they stated that the fraud investigator determined that it was not an error. I was furious because it was fraud as I did not make these charges. When I contacted NFCU again to express my disappointment/frustration, and I asked them how they made the determination that it was not an error, they stated that the investigator looked at the activity/history of my account. I was even more furious because the activitiy consisted of transactions at grocery stores, gas stations, XXXX, XXXX, XXXX, XXXX, XXXX transactions, etc. So how can you determined that it was no error based on those types of transactions. They are taking over a {$1000.00} from me for something that I did not do. It is unfair, and unacceptable. I used my debit card at a gas station, a beauty supply store in XXXX, and a couple of shopping stores on XX/XX/XXXX. I was sitting at home when NFCU sent me an alert that suspicious activity was conducted on my account. If they thought it was suspicious, then why am I being treated like the criminal?????? I need someone to investigate this deeper since it appears that NFCU is determined to take money from me that I can't afford for them to take. It's not fair as I DID NOT do this. I ask them to investigate further to see if they could determine where the transaction was made from/originated from. I swear it was not done by me. This is what is so infuriating. I appealed and it was denied. I'm appealing to them again and I'm going to keep appealing until this decision is overturned. PLEASE HELP ME!!!!!
Consumer complaint received 2024-09-27
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. (CA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-09-27
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. (GA)

I am writing to formally express my concern regarding the inaccuracies in several accounts listed on my credit report, which I have previously disputed multiple times. Despite my ongoing efforts and requests for a thorough investigation, these issues remain unresolved, causing significant damage to my credit file and affecting my ability to live a normal life. 

The erroneous information continues to negatively impact my financial standing and has resulted in severe hardships. I kindly request that you conduct a prompt and detailed investigation into the reporting of each disputed account and take the necessary steps to rectify and update my credit report without further delay. 

Restoring the accuracy and integrity of my credit file is crucial for regaining control over my financial well-being. I sincerely urge you to prioritize this matter and take swift corrective action. 

Thank you for your immediate attention to this issue. Your support in resolving it promptly will be greatly appreciated.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The company has been garnishing my check every week to pay the remaining balance and the account is showing charged off and the owed balance is incorrect and it's not showing on my credit report Writ of Garnishment ACTIVE CASE ID XXXX GOAL AMOUNT {$8900.00} XXXX ID XXXX PAID TOWARDS GOAL {$2200.00} START DATE XXXX REMAINING BALANCE {$6600.00} PAID TOWARDS LIEN {$2200.00} END DATE XXXX LAST DEDUCTED AMOUNT {$210.00} LAST DEDUCTED DATE XXXX DEDUCTION AS PER ORDER 25.0 % DEDUCTION FROM Disposable Income PAYEE NAME MAGISTRATE COURT OF XXXX XXXX JUDGEMENT CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX This is proof and I have proof of weekly amounts being taken out of my check
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-09-27
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. (VA)

XXXX XXXX  reported inaccurate data and late multiple payments unlawfully according to fcra and Im seeking damages in the amount of {$1000.00} for each inaccurate unlawful report to the which I never authorized them to report on my credit file
Consumer complaint received 2024-09-27
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. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-09-27
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. (IL)

I am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence Engelhardtv v.Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists
Consumer complaint received 2024-09-27
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. (TX)

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I have tried reaching out to these companies and they will not abide by the law. Please help me get these fraudulent accounts removed. I can not obtain a place to live due to these accounts hurting my credit. Being a fraud victim is a horrific experience. Thank you so much for your assistance in this matter. 

These fraudulent accounts are the last ones still showing on all XXXX credit bureaus. XXXX, XXXX, and Experian XXXX XXXX XXXX {$910.00} opened XX/XX/XXXX XXXX XXXX {$2100.00} opened XX/XX/XXXX XXXX XXXX XXXX {$500.00} opened XX/XX/XXXX XXXX XXXX {$880.00} XX/XX/XXXX XXXXXXXX XXXX  {$1600.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I am not able to view my credit report thru experian.com. Account # XXXX. I have called many times without any resolution. This is hurting my ability to obtain accurate information regarding the status of my credit. Last update is XX/XX/XXXX.
Consumer complaint received 2024-09-27
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. (TX)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-27
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 never authorized or established these accounts, and I suspect they may be fraudulent. Please conduct a comprehensive review of these accounts and take the necessary measures to remove them from my credit report. It is crucial for maintaining the accuracy of my financial records.
Consumer complaint received 2024-09-27
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. (AZ)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX XXXX ), reported on XX/XX/scrub>XXXX Account name : XXXX ( XXXX ), reported on XX/XX/scrub>XXXX Account name : XXXXXXXX XXXX XXXX XXXX ) reported on XX/XX/scrub>XXXX Account name : XXXX XXXXXXXX XXXX XXXX ) reported on XX/XX/year>, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-09-27
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. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2024-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (NJ)

I received a direct solicitation from the State of NJ and Fed Student Aid urging me to consolidate a FFEL loan with another loan serviced by ED Financial ( one of the DOE 's two servicers ) in order to reap the benefit of the one time payment count adjustment, which could lead to loan forgiveness. I was solicited in mid XXXX and told I had to consolidate by XX/XX/XXXX, and that the payment count adjustment would be completed by XXXX. The XXXX loan was held by XXXX at that time and was 5 years from being repaid in full. It carried an interest rate of 3.375 %. Without knowing whether I would benefit from the payment count adjustment, I was being pressured into consolidation using the approach that I would miss out on the XXXX time payment count adjustment, and possible forgiveness, if I did not consolidate with XXXX of the XXXX approved servicers. Consolidation would result in a higher interest rate and longer repayment term if I was not eligible. No one would tell me if I was eligible and/or how many months I would have left on my loan, if any, following the payment county adjustment. This hardly seemed like a fair or appropriate way to make a significant financial decision, however, having faithfully repaid these loans for 20 years, the notion of getting out from under them could not be ignored. As such, before applying for consolidation I contacted Fed Student Aid and asked whether I would be given information on whether I would benefit from the payment count adjustment before I had to finalize the consolidation. I was told that I would. This turned out to be false. The consolidation was processed by Ed Financial and finalized without further information. This apparently occurred on XX/XX/XXXX and I was not even notified of it within the XXXX business day window to reverse it. As a result, I am now stuck with a loan that carries a higher interest rate than XXXX of the loans I consolidated, and instead of being repaid by XXXX, I will be repaying this until XXXX. I have yet to receive any information about the payment count adjustment. Fed Student Aid says ED Financial is responsible for that and ED Financial says Fed Student Aid is responsible. I have been misled into a financially detrimental decision by government contractors acting to implement a government program for their own benefit.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MO)

I spoke with all XXXX credit bureaus and XXXX XXXX about a XXXX  XXXX bankruptcy thats showing on my credit that I never files also a bill from XXXX XXXX XXXX that I know nothing off. I would like for these XXXX items to be removed from all XXXX credit bureaus including XXXX XXXX.
Consumer complaint received 2024-09-27
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. (FL)

I am writing to formally dispute certain information on my credit report that I believe to be fraudulent, as permitted under Section 605 ( b ) of the Fair Credit Reporting Act. List on the fraudulent accounts are attached on my FTC REPORT XXXX XXXX FTC REPORT IN XXXX
Consumer complaint received 2024-09-27
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 2024-09-27
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. (MS)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-09-27
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. (KY)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentialities under 15 USC 1681. 

Accounts XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX in the amount of {$1100.00} for XXXX XXXX. XXXX. XXXX. 
AND # XXXX, XXXX XXXX XXXX in the amount of {$1000.00} for XXXX XXXX XXXX. Co. 
has violated my rights. 

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

It also states, in section 2 that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 section 604, A. Section 5 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 conviction of crimes, which antedates the report by more than seven years.

15 USC 1681 S 2 ( A ) ( 1 ) states 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 in accurate.
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: Experian Information Solutions Inc. (GA)

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 2024-09-27
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. (CA)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX BANK XXXX