davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
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. (MS)

I have sent multiple dispute letters regarding inaccurate information on my credit report, but the results remain unchanged. Recently, I conducted an investigation on my credit report, which caused me severe distress, and I discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported with 100 % accuracy. 

In accordance with the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be reported accurately. These accounts are in violation of FCRA regulations under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which require complete accuracy in reporting.

Attached are copies of all correspondence previously sent to your agency. I urge you to promptly address these errors and ensure that my credit report reflects accurate and verified information, as mandated by law.
Consumer complaint received 2024-08-20
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. (IL)

I am writing to request a reinvestigation of the following item on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 
Disputed Item : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-06-25
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)

I filed for bankruptcy in XXXX and my student loans were supposed to be discharged in it as well. I was making XXXX a year and my student loan debt was XXXX, and I was a single mother of XXXX daughters as well, so I landed in a category that allowed them to be in my bankruptcy. Six years later my student loans have not only been raised three times the amount originally owed but never discharged as well. Now XXXX states that they sold my loan to XXXX, and I show now on my credit that my student loan debt is XXXX. You get nowhere with XXXX or XXXX they just pass you back and forth and continue to do forbearance 's while they investigate. My credit is significantly affected by this because the debt ratio is so high, because of the XXXX. I want my student loans to show as they should as paid off. I've also been told that my student loan debt should have been discharged under the Biden Administration but still that doesn't reflect either.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

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 2024-06-25
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. (NY)

Experian is useless and should not have control over credit authorizations. The website is useless. I can not log on to the account and every option ( forgot password, forgot login ) leads to a dead end. It says it will send an email- it doesn't. it says it will send a text- it doesn't. it says it will call with code- it doesn't. it doesn't recognize my SSN with my account, address, or phone number. The customer support is useless. all the phone number does is lead you to a robot that doesn't understand what you say and then speaks about requesting by mail or going online. there is no way to speak to an actual person. There is no email address for support. There is no submission option on the website. I am trying to unfreeze my account so I can rent an apartment and now am in limbo and will be kicked out of my current apartment soon. I can't believe that this is necessary for this country.
Consumer complaint received 2024-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to request a reinvestigation of the following item on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 
Disputed Item : Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-06-25
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. (FL)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2024-07-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am filling this report cause of the fraudulent report appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result identity theft and fraud the fraudulent account consist of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number is private, and a personal account Bank of America XX/XX/XXXX, XX/XX/XXXX XXXXthese accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report.I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports cease pursuant to my rights within the FCRA and FDCPA.
Consumer complaint received 2024-06-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION (NE)

Around XX/XX/year> ( i dont remember the date ) I was at the XXXX XXXX XXXX XXXXXXXX having a mammoth done I remember whatever month that it happened it was on the 3rd cause I had just got paid my bank atm card is always hooked up to my XXXX incase i have to send one of my kids money in a hurry this day I left the XXXX XXXX got in my car and looked at my phone to see if I had any missed calls or text I saw a message saying that I was able to get an {$8000.00} loan i didnt trust it so I called them they sounded like XXXX so I looked in my bank account to see How much was in my account {$1000.00} was taken placed on to my XXXX using my debit card then switched to their cashapp i contacted navy federal credit union right away they told me that the people also tried to put a fake check into my account so they took the check out so now navy federal credit union says i owe them {$2200.00} something like that but i didnt scam myself so I dont know what more I can do it like they didnt even look into it and I sent them everything I had to prove my innocence
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

To the Consumer Financial Protection Bureau ( CFPB ) : I am writing to file a formal complaint against Capital One for multiple violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 

Capital One closed five of my accounts ( ending in XXXX, XXXX, XXXX, XXXX, and XXXX ) on XX/XX/year>. The reasons given for closure were inconsistent and contradictory. Initially, Capital One claimed the accounts were closed due to " activity on this or another account not consistent with our expectations for account usage. '' However, in subsequent correspondence, Capital One attributed the closure to returned automatic payments. In their letter dated XX/XX/year>, Capital One stated that they " confirmed no errors were made in the handling of XXXX on your account. '' This contradicts their earlier claim and raises serious concerns about their practices. 

Furthermore, Capital One has continued to charge membership fees on these closed accounts, including a {$95.00} fee. This is a clear violation of consumer rights and adds to the financial harm I have suffered due to their actions. 

Capital One 's reporting of these closed accounts to credit reporting agencies has severely damaged my credit score and financial standing. I have disputed the accuracy of this information, but Capital One has refused to correct it, claiming the information is accurate. 

I believe Capital One 's actions constitute a clear violation of the FCRA, which requires creditors to report accurate information to credit reporting agencies. And for the creditor provide a clear explanation regarding the justification of their actions. On XX/XX/XXXX, XXXX, and other dates has perpetuated incorrect information, by providing differing reasons of their actions. Their contradictory explanations for closing my accounts and their continued charging of fees on closed accounts demonstrate a disregard for consumer rights and fair business practices.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (MI)

After moving my full direct deposits to Ally bank, unfortunately, my card was damaged and became unusable. I called the bank for a replacement card and was transferred and hung up on. 
I called back and spoke to a manager named XXXX that informed me he was the highest authority in the company to speak to, that I could not escalate my concerns, and he would not order a replacement card until I brought my balance current. I explained my direct deposit history is on file and he can see I'd be current Friday and didn't understand why I would be punitively punished like this and have to call a week later to order a card, and the bank would/could not show me where this was allowable in the account agreement either.
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION (LA)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX, Louisiana XXXX SSN : XXXX XX/XX/XXXX NAVY FEDERAL CR. UNION XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Notice to agent is notice to principal notice to principal is notice to agent { NAVY FEDERAL CREDIT UNION # XXXX } I sent in a dispute to your company regarding some inaccurate and incomplete information that is being furnished on my consumer report. at { XXXX }. 

You received my dispute letter on { XX/XX/XXXX } by certified mail tracking number # { XXXX XXXX XXXX XXXX XXXX XXXX } It has been well over 30 days and you have not responded. This information by law must be deleted.

15 USC 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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.

In other words, to properly report information as verified, the furnisher must have sufficient evidence to support the conclusion that the information was true. Id. at 1303. If the furnisher does not already have such evidence, it must seek out and obtain it before reporting that the information is verified. Id. at 1303 ; see also XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ).

importantly, a furnishers inability to conclusively determine that the disputed information is inaccurate does not mean that the furnisher is permitted to report back to the consumer reporting agency that its investigation verified the accuracy of that information. Instead, if the evidence available to the furnisher is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, the furnisher must report that its investigation concluded that the disputed information can not be verified. 
You not responding to my dispute within the 30 day period allotted by law proves you can not validate or verify this account. 
Delete this account { # XXXX } from my consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX UCC 1-308 Tracking # XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report.
Consumer complaint received 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (TX)

I recently have had credit cards and loans opened in my name without my permission. All of these are unauthorized by me and should be removed immediately. 
Navy Federal Credit Union opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-29
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: NAVY FEDERAL CREDIT UNION (TX)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (PA)

My account with NAVY FCU was never late! I have had exceptional payment history with NAVY FCU 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 in XX/XX/year> 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 ma
y 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.

NAVY FCU 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 2024-06-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION (AZ)

I am being sued by XXXX XXXX XXXX XXXX, who in turn purchased a debt under my name from Navy Federal credit union. I tried attaining information on the purchase of the debt from both parties and have been refused both times. I was keenly interested in the original credit card agreement with my signature and the terms and no party has this. The NFCU rep supervisor hung up on me when I wanted to see these terms. She stated, they no longer have. How can you know what debt is owed if you don't have evidence of the terms? How can I solve this issue without this evidence? Can you sell something without proof of ownership?
Consumer complaint received 2024-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PNC Bank N.A. (OR)

My central complaint is that the company which services my mortgage ( PNC ) received my full monthly payment, withdraws the funds from my checking account, but then waits for multiple business days to apply the funds to my mortgage account, resulting in a late payment, for which a late fee is charged. 

As long as I've owned my home ( XX/XX/XXXX ) I have always followed the same process for paying my mortgage : I use the online bill pay service provided by my credit union to schedule payment to post 1-2 business days before the date upon which my mortgage statement indicates that a late fee would apply. In these 6+ years and at least 4 different mortgage companies every one of them has properly applied my payment until, to my great dismay, PNC bought my mortgage and began delaying application of my payments. 

In the past when PNC has held my payment and delayed application of the funds to my account, leading to a late charge, I have called and they have apologized and waived the late charge. In XX/XX/XXXX PNC proactively waived the late fee before I even called to complain, however in XX/XX/XXXX when I called about the late fee I was told that they have already waived the fee as many times as they were able to so it would have to be escalated. I advised PNC that the late fee was illegitimate and " waiving '' it implies that the fee was correct, but being waived in the interest of customer service. 

Here is a chronology of events over the past few months ( confirmed by logging into my personal checking account and the posted transaction record on my mortgage account ) : XX/XX/XXXX : PNC applied {$1800.00} payment to my account ( 4 business days/7 calendar days after the funds were withdrawn from my account ) XX/XX/XXXX : PNC assessed {$65.00} Late Charge XX/XX/XXXX : Payment of {$1800.00} to PNC was debited from my checking account XX/XX/XXXX : Payment of {$1800.00} to PNC was sent from my checking account XX/XX/XXXX : PNC applied {$1800.00} payment to my account XX/XX/XXXX : PNC waived {$65.00} Late Charge XX/XX/XXXX : PNC assessed {$65.00} Late Charge XX/XX/XXXX : Payment of {$1800.00} to PNC was debited from my checking account XX/XX/XXXX : Payment of {$1800.00} to PNC was XXXX from my checking account XX/XX/XXXX : PNC applied {$1800.00} payment to my account XX/XX/XXXX : PNC waived {$65.00} Late Charge XX/XX/XXXX : PNC assessed {$65.00} Late Charge XX/XX/XXXX : Payment of {$1800.00} to PNC was debited from my checking account XX/XX/XXXX : Payment of {$1800.00} to PNC was sent from my checking account XX/XX/XXXX : PNC applied {$1800.00} payment to my account XX/XX/XXXX : Payment of {$1800.00} to PNC was debited from my checking account 03/11/24 : Payment of {$1800.00} to PNC was XXXX from my checking account
Consumer complaint received 2024-08-29
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. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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 2024-06-28
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: SYNCHRONY FINANCIAL (GA)

I'm writing to express my deep concern over a negative rating on my account. This rating is significantly impacting my credit, having already led to a loan application rejection and higher interest rates on my current credit accounts. The financial and emotional strain this is causing me is substantial and ongoing.