davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION (NC)

Subject : Formal Complaint Against Navy Federal for Denial of Extension Request on Auto Loans Date : XX/XX/year> I am writing to file a formal complaint against Navy Federal regarding the denial of my extension request for two auto loans that I hold with the institution. Despite multiple attempts to communicate my situation to Navy Federal, I have been met with a lack of understanding and cooperation, leading to undue financial hardship on my part. 

I have diligently explained to Navy Federal that I was on XXXX XXXXXXXX leave from work and only recently returned to work on XX/XX/XXXX. In light of my financial circumstances, I reached out to Navy Federal 's personal finance team to request an extension for my two auto loans. Initially, in XXXX, I was informed that both loans would qualify for a two-month extension after making my payments. However, when I followed up on this agreement, it was arbitrarily downgraded to a one-month extension without my consent. 

This unilateral decision by XXXX XXXX felt like a bait-and-switch tactic, leaving me feeling deceived and manipulated. I made it clear that the two-month extension was crucial for me to catch up on my auto loan payments, especially given that I was awaiting payments from my long-term leave company, XXXX, which were pending then and remain pending now.

Despite my genuine efforts to negotiate a reasonable solution that aligned with my financial constraints, Navy Federal 's representative insisted that I either accept the one-month extension or receive no extension at all. Feeling pressured and cornered into an agreement that I knew I could not uphold, I reluctantly agreed to the one-month extension, knowing that it would not provide me with adequate time to receive my long-term benefits and catch up on my bills.

As a responsible individual committed to meeting my financial obligations, the treatment I have received from Navy Federal has been distressing and burdensome. This denial of a fair and reasonable extension has significantly impacted my ability to prevent homelessness and provide for my family 's basic needs.

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and hold Navy Federal accountable for their unfair and deceptive practices. I seek a resolution that is just and equitable, considering the financial hardship and emotional distress that I have endured due to Navy Federal 's actions.

Thank you for your attention to this matter.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I noticed some inaccurate information on my credit report, so I contacted Experian and informed them of the inaccurate information being furnished and that they conduct a thorough investigation into the matter. Experian has failed to properly conduct this investigation. I submitted my dispute since the XXXX XXXX, I've tried calling requesting that they conduct an investigation on the matter, they willfully and negligently ignored my request. I logged into my Experian account, and they started the dispute process which I submitted since the XXXX XXXX XXXX, the dispute didn't get started on until the XXXX of XX/XX/2023. Then the next day XX/XX/2023, Experian updated the information on my credit report, not changing anything at all. I have doubts that they abided the laws and conducted a proper investigation on my behalf. They failed to properly investigate the information ; they violated the FCRA. Despite all this, there are XXXX more accounts that were placed to be disputed, EXPERIAN is not complying with their own policies in a timely manner. They have exceeded the XXXX  days to properly investigate my dispute, which is why I believe they did not conduct a proper investigation on my behalf and that they updated the innacurate information on my credit report in XXXX hours. Why is my dispute letter unaddressed within XXXX  days? Why is EXPERIAN not complying with their own policies? 

Also, there are numerous addresses being listed on my credit report that I am not associated with. All addresses listed on my credit report besides the address displayed on my ID which I will provide are inaccurate and I request that this inaccurate be DELETED from my credit profile.
Consumer complaint received 2023-07-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have a business credit card with Bank of America that I am past due on payments. I have attempted to setup a payment plan however upon my last contact they told me I was in collections with another company and forwarded me to XXXX to talk about my repayment options ( who subsequently have not gotten back to me ). 

Last Tuesday XX/XX/2023 Bank of America 'offset ' my personal checking and business checking in the amounts of {$1600.00} and {$970.00} respectively in order to collect a portion of my past due amount leaving me with {$100.00} in each account. I tried calling to get the money back and to pay {$500.00} to cover a portion of the debt owed with the understanding I would get on a payment plan to cover the rest- they refused. 

I went into a local branch today Tuesday XX/XX/2023 to dispute this offset and was given the same response- they will not return the offset and only after I setup a 12 month payment plan will they stop future offsets. The manager recommended that I not use my account until I have setup a payment plan as she was concerned the bank would continue to draw out of my account. 

Based upon my reading of 1026.12 ( d ) Special credit card provisions ; 'a card issuer may not take any action to offset a cardholder 's indebtedness arising from a consumer credit card transaction against funds the cardholder held on deposit with the card issuer ' what the bank did was illegal.
Consumer complaint received 2024-04-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Since XX/XX/year> I have had fraudulent charges on my credit card. Starting XXXX there were monthly charges from XXXX a company with whom I have not done business with and the charges were reoccurring on a monthly basis. I alerted capital one about it starting XXXX and they refunded the money cancelled the card and issued a new card. In XXXX the charge appeared again on the new credit card which I had not even activated. When I called capital one and alerted them about my concern they again refunded the money I was told by capital one that the credit card companies like XXXX, XXXX, XXXX report to companies the new credit card numbers. I said this is the craziest thing that I have heard and if that is true why would you tell me to update the card on any sites I had the card inputted for reoccurring charges. Again, the card was cancelled and a new one issued. Come XXXX here again is pending charges again on a credit card that is not activated and I call capital one who finally put a block on this company. This company and the fraud is resolved as of today but now a new fraud is appearing on a different card associated with my account. I shop at XXXX XXXX and charged the amount of {$360.00} On XX/XX/XXXX and I now see that capital one shows a reoccurring monthly charge to occur for the same amount starting XX/XX/XXXX. I called XXXX XXXX whom of course said they do not have any programs that charge on a reoccurring monthly program. I called capital one and they said to wait for the charge to drop and then dispute it. I told them that at this point I believe there is fraud with in the company. I truly believe that capital one has something fraudulent happening internally and when I said this the representative did not take me seriously. I know for a fact that this new monthly reoccurring charge is not a problem on the XXXX XXXX side it is the credit card company. I hope this email is taken seriously and looked into because if this is happening to me I know it is happening to countless other people.
Consumer complaint received 2023-12-30
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. (MD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

here are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX  XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX  account # XXXX date opened XXXX XXXX, XXXX XXXX XXXX XXXX  account # XXXX date opened XXXX XXXX, XXXX
Consumer complaint received 2024-06-07
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. (LA)

I recently conducted a credit report investigation that left me XXXX  for days because I discovered facts that your agency failed to verify were true, erroneous, suspicious, and unverifiable. 

All information on my credit report must be completely accurate in compliance with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ), and 15 U.S. These accounts violate Code 1681i ( 5 ), which prohibits reporting that is not entirely correct. All of the letters that were sent are attached below.
Consumer complaint received 2024-06-07
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. (AL)

I was a victim of identity theft and I am currently in XXXX  and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NJ)

Recently I did investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that angry didn't make sure it was reporting 100 % correct in accordance with the Fair Credit Acts, everything has to be 100 % accurate on my credit file and under 15 U.S.C 1681 e ( b ) and 15 U.S code 1681i ( 5 ) theses accounts are violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-24
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. (GA)

15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.

I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, 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.

From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered.

The furnisher of the information is also liable under the FCRA under 15 USC 1681s-b ( 2 ) because they were notified of inaccurate and incomplete information on my report, and a proper reinvestigation was not done because the information is still inaccurate
Consumer complaint received 2024-06-10
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)

I have filed a complaint with XXXX XXXX XXXX about inquires on both my Experian and XXXX account that have not been resolved or deleted. 
All inquiries from XXXX from both companies are identify theft and breach XXXX usc XXXX where theyve defamed me, my credit report and XXXX my credit score and XXXXXXXX. Ive tried disputing them online/ on the phone/ mailing letters. No resolution has happened and I need them gone immediately.
Consumer complaint received 2024-06-07
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)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy.
Consumer complaint received 2024-06-09
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. (NY)

I Recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report. They are 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
Consumer complaint received 2024-06-07
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 am writing to file a formal complaint against all XXXX credit reporting agencies regarding their credit reporting practices, as regulated by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c.

The basis of my complaint involves the following issues : 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports.

Pertaining to 15 us Code 1681c : Except as authorized under subsection ( b ), 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.

Adverse item of information meaning- include records containing derogatory information, such as payment delinquencies or defaults etc No adverse items besides the conviction of crimes should be on my all 3 of my credit reports EXPERIAN , XXXX XXXX XXXX XXXX. All derogatory marks must be removed from all XXXX of my credit reports, all and any delinquencies must be removed from my credit reports all and any defaults must be removed from my credit reports. All and any late payment reporting must be removed from my credit reports. All and any utilization percentage usage also must not be on my XXXX credit reports. 
After looking over my credit report all these companies have reported adverse information and EXPERIAN, XXXX XXXX, XXXX have furnished the adverse informXXXX 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 2023-12-30
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, These creditors have violated my rights under 15 U.S. code1681 section 2. I have the right to privacy.

Also 15 U.S. code1681 section 604a a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. code 1666b 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.
Consumer complaint received 2023-12-30
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)

My student loan was part of the federal forgiveness program and the outstanding balance was forgiven, leaving me with a balance of {$0.00}. I received a letter from XXXX stating the new {$0.00} balance, which I submitted to the 3 credit reporting agencies 6 months ago, when I start the dispute process. XXXX updated the account and correctly shows a {$0.00} balance. I have disputed the balance with Experian twice and both times, they have incorrectly reported a balance. I submitted a 3rd dispute but I seem to be going around in circles. You are my last hope before I am forced to file a lawsuit.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-30
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)

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 UND

ER 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 2023-12-30
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. (MD)

I have opened disputes with XXXX, Experian and XXXX. I have informed all 3 that my Student Loan balance is XXXX ( XXXX ) dollars, paid in full, closed account with no payments due. They all continue to report a balance of {$180000.00} which is incorrect, the balance is XXXX. 
All dispute information was shared in XXXX of XXXX. 
I submitted paperwork from my lender/creditor ( XXXX ) to all 3 credit reporting agencies showing the loans as paid in full.
Consumer complaint received 2024-06-07
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)

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 XXXXXXXX has violated my rights. Or a 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 2023-12-30
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. (WI)

APPLIED FOR AN XXXX XXXX XXXX CREDIT CARD. XXXX WAS BASED ON FICO SCORE AND A TAX LIEN, INFORMATION SUPPLIED BY EXPERIAN.