davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
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. (NJ)

I looked at my report XXXX of XXXX and noticed some things are incomplete and not accurate. According to 15 USC 1681e ( b ) 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. 

I ask for a reinvestigation of these accounts listed below, XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX is a charge off account, The IRS said a cancellation of debt over {$600.00} is considered income and income CAN NOT be reported on my report. Also this is reporting every month as a charge off, and this account was closed XX/XX/XXXX way before it was in charged off. 

XXXX XXXX XXXX  # XXXX account was paid and closed, there are several in accuracies there as well. 

I got the investigation back but noticed nothing was modified or updated, I requested a description of the investigation and they did not provide it to me which violates 15 USC 1681 i ( 7 ).

I asked for the method of validation i.e, certified receipt with my signature, phone conversation, or email giving me proper notification of debt. Also the certification of authenticity of the debt.
Consumer complaint received 2024-02-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (VA)

Navy Federal Credit Union has lost the money in my IRA invested with them. They have deployed an improved website that does not list my IRA as an account nor does it include the almost {$33000.00} I have invested in that account in their calculated Total Assets held by Navy Federal. I reported this problem to them more than XXXX weeks ago apparently the first NFCU customer to notice a very obvious defect in their new website. The tech-rep I spoke with looked at his accounts and was astonished to see that his IRA was also missing. At that time NFCU was still making their legacy website available so I was able to see my IRA and associated statements and confirm it was still there. They have now XXXX customer access to the legacy website and I have no way of confirming my IRA still exists. At this point it is entirely possible that NFCU has absconded with the IRA funds of all of their clients since there is no way for us to monitor those accounts. 
Please direct NFCU to enable access to the legacy website until they have properly coded, tested, confirmed and vetted that their new and improved website does what its supposed to do. Heads need to roll at NFCU there is no excuse for this level of professional incompetence!
Consumer complaint received 2024-02-13
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX, I called Capital One to request a status update on my chargeback dispute for {$1900.00}. Capital Ones supervisor informed me the dispute had been permanently resolved and that the merchant had responded to the dispute after I had last called Capital One to check on its status ( XX/XX/XXXX ) to state that they were not disputing the charge further and that the chargeback was valid. This was the first time I had been informed by Capital One that the dispute was permanently resolved. Previously, Capital One had told me on XX/XX/XXXX that they were waiting for the merchant to respond before determining how to proceed with the dispute. I requested that Capital One provide me a letter document the resolution of the dispute, the reason why it was resolved, and documentation of what the merchant had sent Capital One ( e.g., the merchants statement that the chargeback was valid and they were not contesting the charge ). Capital One told me that they could not provide me any documentation and that letter they had sent me previously on XX/XX/XXXX and resent to me on XX/XX/XXXX was the only letter they could provide me. I informed them that this letter did not document the resolution of the dispute and that the letter stated that the dispute was ongoing and the credit ( chargeback ) to my account was temporary. I informed Capital One that I had a right under federal consumer law for documentation regarding my dispute and that it was not appropriate to refuse to provide me documentation of my legal chargeback dispute. I requested again documentation that the dispute was permanently resolved and records of what the merchant had provided Capital One. Capital One refused to provide me any of this documentation. I asked repeatedly for other options and was told no. I asked the supervisor why the information could be verbally communicated to me but not provided me in writing ( which is what is needed for legal documentation ). He just said " no, we don't do that ''. I was told that my concern would be documented for customer service improvement, but that this would not address my request for documentation. The supervisor then disconnected the call and hung up on me to avoid addressing my concern.
Consumer complaint received 2024-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

For the past 3 months I have called at least 4 times to get this squared away. After waiting 60 mins on average on hold I finally get a person and they tell me they will update my account but nothing happens. Now my payment is due and it shouldnt. 

I made payments due a freeze time from XX/XX/XXXX to XX/XX/XXXX. I got an email stating that those payments would be credited in XX/XX/XXXXXXXX  and advance my account. 

It has not happened and now its due today. 

The customer service agents are nice but their system sucks. IF you can figure out the complex automated system you then wait about 50 mins for an agent. 

Then the agent will tell you they will fix your issue but 4 calls later still nothing. I need MOHELA to advance my payments like they say they will but never do.
Consumer complaint received 2023-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I would like to draw your attention to the account that is erroneously listed as a late payment account. After reviewing my report, I found discrepancies in the accounts listed below. I contacted the creditor to obtain validation of the debt, but they didn't provide any supporting documentation. I request that you provide concrete evidence of the late payment status, and if such evidence is not available, I demand the immediate removal of the negative payment status associated with these accounts from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 XXXX XXXX which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ).
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My account with those accounts was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I filed a complaint with the Bureaus a month ago, but the wrong info on my report is still there. I haven't heard back from them, aside from your message saying the company replied to my complaint. How can I trust that they've really looked into the inaccuracies? What steps did they take to verify the accounts? This whole thing is so frustrating! It's been over XXXX days since I reached out, and the disputed accounts are still unchanged. If this keeps up, I might have to consider legal action because of the stress it's causing me. Plus, I'm worried about my personal data security after the XXXX, Experian, and XXXX breach.
Consumer complaint received 2024-10-29
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 a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
I have been XXXX XXXX for the last five years, someone stole my XXXX card. Remove every item, from my three-credit report, at this moment, its pretty hectic just now. Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
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. (HI)

Section 605B of the Fair Credit Reporting Act ( FCRA ) allows consumers to block fraudulent information from their credit reports when they are victims of identity theft. Heres a quick overview of how it works : Identity Theft Report : If someone is a victim of identity theft, they can file an identity theft report, typically through the FTC 's website or a police department. This report provides evidence to the credit bureaus.

Request to Block Information : With the identity theft report in hand, the consumer can then request that the credit bureaus block specific fraudulent information from their credit report. This information may include accounts opened fraudulently, unauthorized charges, or other erroneous data resulting from identity theft.

Credit Bureau Obligations : Once a credit bureau receives this request and a valid identity theft report, it is required to block the fraudulent information within four business days. This ensures that the fraudulent account or data does not impact the consumer 's credit score.

Limitations : Credit bureaus can refuse or rescind a block under certain circumstances, such as if the identity theft claim is fraudulent or if additional verification indicates the information is accurate.

By filing under Section 605B, consumers can protect their credit scores and financial records from the long-term effects of identity theft.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing a complaint about incorrect information on my credit report which is showing XXXX late payments on this account XXXX XXXX XXXXXXXX. 
I was never late on my payments and never notified about it. Please investigate and send me the proof of this lateness otherwise delete this information from my report.
Consumer complaint received 2024-08-02
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. (CA)

I am writing to formally request your assistance regarding fraudulent hard inquiries listed on my credit report. I have recently reviewed my credit report from TransUnion and identified several hard inquiries that I did not authorize and are therefore fraudulent. 

These unauthorized inquiries are negatively impacting my credit score and overall financial health. Despite my efforts to resolve this issue directly with TransUnion, the inquiries remain on my report. I am concerned about the potential long-term effects of these inquiries and the difficulty in rectifying this issue through TransUnion 's usual dispute process. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-09
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 am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you Trans Union Credit Reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX Business days of you receiving this complaint. This fraudulent inaccurate, and false information These fraudulent accounts consist of mobile service account XXXX XXXX XXXXXXXX under the account number XXXX opened XX/XX/XXXX, a personal credit card XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, an Auto loan account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX under account number XXXX, a personal credit card account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX  under account XXXX, a personal credit card account opened XX/XX/XXXX at XXXX XXXXXXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my Transunion credit report. Ive attached a list of the hard inquiries in question as well as a copy of the Transunion credit report maintained by you which shows the aforementioned accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on Transunion report were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Case # XXXX as proof from the XXXX federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-02
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. (PA)

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 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 have all violated my rights XXXX 

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 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. 1681-2 ( 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 2024-10-29
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. (PA)

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S.Code 1681-B : permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! As a consumer, I am demanding the deletion of the account listed IMMEDIATELY : XXXX XXXX XXXX. I demand the deletion of these unauthorized inquiries IMMEDIATELY : XXXX XXXX, XXXX XXXX XXXX XXXX VIA DEALER, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I demand the deletion of the following incorrect information : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-08-02
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. (AZ)

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.