davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-07
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. 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.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I took out some loans with XXXX XXXX in XXXX and XXXX. When I got the XXXX loan, I was terminated from my employment leaving me without a job, car and home. I got evicted from my home along with the repossession of my vehicle, I am currently homeless sleeping in motels with vouchers, on street corners, shelters, public restrooms, places and abandoned buildings. Having the late payments from XXXX and XXXX are EXTREMELY BAD FOR MY CREDIT REPORTS AS I AM TRYING TO GET APPROVAL FOR HOUSING, A VEHICLE AND MORE STABLE EMPLOYMENT WITH MORE INCOME.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (MO)

MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX THESE COMPANIES ARE REPORTING/ADDING INFORMATION TO MY CONSUMER REPORT WITHOUT MY VERBAL/WRITTEN CONSENT. AGAIN, I DID NOT AUTHORIZE NOR GIVE MY CONSENT/AUTHORIZATION FOR THE NEGATIVE REPORTING. 
Per the FCRA as federally protected consumer - I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVING YOU. WRITTEN AND UNWRITTEN VERBAL AND NON VERBAL PER 15 USC 6802.
Consumer complaint received 2024-07-18
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)

PRO COLLECT {$3600.00} XXXX {$1400.00} XX/XX/year> As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-07-07
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. (TX)

I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, for unauthorized and excessive credit inquiries on my credit report. The dealership 's actions have significantly impacted my credit score and violated my consumer rights. 

Incident Details : On XX/XX/XXXX, XXXX XXXX XXXX XXXX conducted multiple unauthorized credit inquiries on my credit report from the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Despite my objections and warnings, the dealership repeated this behavior on XX/XX/XXXX, with additional inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX In total, twelve credit inquiries were made within a span of three days. This number of credit inquiries is excessive and abusive to the consumer. 

Violations : Lack of Notification and Consent : I was not notified or warned that my credit would be pulled multiple times to this extent. This lack of transparency is a clear violation of my consumer rights under the Consumer Credit Protection Act ( CCPA ). 
Excessive Credit Checks : The dealership 's actions have resulted in a significant negative impact on my credit score, which is unjustifiable and excessive. 

Actions Taken : We worked with an individual named XXXX, who can be contacted at ( XXXX ) XXXX. XXXX was made immediately aware of the situation when XXXX sent me credit notifications. After being notified, and my feelings made clear, XXXX justified the behavior of the dealership 's financial office and claimed that it would not have a negative impact on my credit report. This all occurred on XX/XX/XXXX. Despite this, the dealership ran my credit a second time on XX/XX/XXXX, twice with the same credit companies in some instances.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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. 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 XXXX XXXXXXXX
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (VA)

Nationstar Mortgage purchased my loan from my original mortgage company. I was sent information stating none of the terms of my loan could be changed. Nationstar refused to make payments from a volunteer escrow account that I had with my previous loan company. My homeowners insurance was canceled and I had to pay a portion of it to get it reinstated. I asked in XXXX of XXXX that my escrow account be removed from my mortgage statement. I paid my second qtr. taxes in XXXX XXXX and recently paid my 3rd qtr. taxes XXXX/XXXX/XXXX. Nationstar has been applying the principal and interest payments I have been sending to everything except my principal and interest. I was told in XXXX by a representative of Nationstar that my bill would be corrected and it would be reflected in my XXXX bill. Although my taxes are paid and all my principal and interest payments have been made to Nationstar, I received a threatening letter from Nationstar. And, now that they have sent a threatening letter, it is nearly impossible to get a representative on the phone. After a barrage of calls from Nationstar, and my attempt to contact them, I get a voicemail answering service for the first time ever. It appears Nationstar is attempting to ruin my credit in the process of trying to force me to send my taxes and insurance to them. They have added fees and requirements that were not part of my original loan terms. Once they were notified I was going to refinance my loan I received mailings and calls in an effort to get me to refinance with Nationstar. I have refused based on loan rates and since then Nationstar has attempted to bully me through coercive actions..
Consumer complaint received 2024-07-07
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. (FL)

In accordance with the Fair Credit Reporting act Convergent Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX # XXXX # XXXX # XXXX # XXXX has violated my rights. 

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
Consumer complaint received 2024-07-05
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-07
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. (CT)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I would like to follow up regarding of my ongoing frustration and disappointment concerning the persistent errors in my credit report, specifically related to the reporting of a late open account. Despite multiple attempts to correct this issue, the inaccuracies persist, adversely affecting my creditworthiness and financial standing. I initially disputed the late open account, providing all necessary documentation and following the prescribed dispute resolution procedures. I understand that errors can occur, but the repeated failure to address and correct this issue after multiple attempts is both frustrating and unacceptable. These inaccuracies are causing tangible harm to my credit profile, affecting my ability to secure favorable financial terms and impacting various aspects of my financial life. I hereby request an immediate and thorough investigation into this matter. I insist on the prompt correction of the late open account information on my credit report to reflect the accurate and verified information regarding the account in question. I am asking for your help to correct these late open accounts in my credit file : XXXX/DOFED XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2019-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX   breach as well.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This account is from XXXX XXXX XXXX a company when I called does not have and record of my name or social security number. No account is was removed from my credit. Now Equifax have resubmitted the account on my credit report and another account I have no knowledge of. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (LA)

I am writing to dispute the information reported by Navy Federal Credit Union regarding my closed credit card account. While I do not dispute the ownership of this account, I assert that it must be removed from my credit reports due to significant inconsistencies in reporting, which violate my rights under the Fair Credit Reporting Act ( FCRA ). 
The account in question has been reported differently across all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Specifically, the following information is inconsistent : Open date Close date Date of last payment Date of last activity High balance These discrepancies indicate a failure to maintain accurate and consistent records as required by law. The FCRA mandates that information reported to credit bureaus must be accurate, complete, and verifiable. The inconsistencies across reports demonstrate a clear violation of these requirements. 
Furthermore, these inaccuracies violate the Fair Debt Collection Practices Act ( FDCPA ) if any attempt to collect on this debt has occurred, as the inconsistent information could be considered false or misleading.
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (IL)

Both accounts were opened fraudulently. I was XXXXXXXX in an Illinois state XXXX  XX/XX/XXXX thru XX/XX/XXXX Case number XXXX. Due to These fraudulent accounts reporting, I'm unable to move forward in life. Also, unable to compensate the amount. My identity was stolen while incarcerated I have no Knowledge on how. I'm Requesting these Accounts be removed. 

Navy Fed card XXXX - XX/XX/XXXX amount {$16000.00} Navy Fed card XXXX - XXXX XXXX XXXX amount {$830.00}
Consumer complaint received 2024-07-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/XXXX I refinanced a used silver, XXXX XXXX XXXX XXXX XXXX Time with Navy Federal Credit Union. I singed a contract for a vehicle lone of XXXX XXXX. 
But they didn't restive the title for the car from drive time and changed my vehicle lone to a personal lone at a much higher interest rate.

The Vehicle company would not send them the title and the bank wouldn't try to get the title themselves. So I stuck with the higher interest lone for a long time. 

I called text XXXX XXXX  XXXX XXXX XXXX XXXX They sent me to banking regulator of textus, office consumer credit commissioner XXXX XXXX XXXX They sent me to XXXX XXXX XXXX XXXX And they sent me to your company.
Consumer complaint received 2024-07-12
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: KEYCORP (PA)

On XX/XX/year>, I was in XXXX, XXXX  at a bar called XXXX 's when my credit card was stolen. I didn't realize it was stolen until XX/XX/XXXX, and until then I had my credit card in my phone as XXXX XXXX, so all charges that I had made on my credit card between those days had been with XXXX XXXX, as I usually don't carry a wallet around. I tried to purchase with my XXXX XXXX, and the card declined. At that point I looked in my XXXX account, and saw that the reason why my card declined was because there were XXXX  charges made in XXXX XXXX, maxing out the card. I looked in my wallet, and realized the credit card was gone. I remembered that I left the card at XXXX 's which is where I assume it was stolen. XXXX charge was made on XX/XX/year> for XXXX at the XXXX XXXX in XXXX, XXXX. Another charge was made at XXXX in XXXX XXXX for XXXX. All other charges ( XXXX at XXXX XXXX in XXXX, XXXX ) had been declined at that point. I immediately filed with my bank, XXXX on XX/XX/XXXX and they credited me both amounts back and launched an investigation. In XX/XX/year> I received only the XXXX back onto my account. I received no letters in the mail or calls or emails about any status of the investigation from XXXX. I reopened my dispute with XXXX  because they only refunded me for the XXXX charge, and not the XXXX charge, and both charges were not completed by me. They reopened the investigation and declined it again, because my information was not lining up with what actually happened, because there had been a charge on XX/XX/XXXX at XXXX XXXX  for XXXX that they claimed I used my card for, but the card was not in my possession, and the only way I could've made that charge was with XXXX XXXX. At this point, XXXX has been accruing interest in my account since XXXX, and I refuse to pay it as the charge was not mine.
Consumer complaint received 2024-07-10
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: LendingUSA (WA)

The previous company was pretty amazing ever since they switched to a new third-party theyre not very consistent. I dont get updated text messages. 
They are saying, I have an elite fee which Ive never had before. 
Also, Ive asked for statements to be sent to my house each time I speak to them theres a different amount that is due to pay off. 
I can never get into my portal to make a payment and every time I try there attached a random fee. Theres a {$210.00} fee or a {$100.00} fee When my monthly payment is {$160.00}. 
I called to confirm how much it would be to pay it off {$1700.00} the lady said when I had an email that said it was going to be {$810.00}. 
From the back office I went and moved some money around in my bank account just to make the payment. after I did that, I called Lending USA to make the payment and then they told me a different amount {$1900.00} within a hour Im feeling quite overwhelmed. I am just done from having different phone calls from all over the country. Im feeling very overwhelmed. I dont know if its legit my bank said they think it is because its from California , but then I had another lady said that I should probably contact the XXXX XXXX XXXX and federal commission So here I am just going above and beyond to make sure I do so then I went I did make a payment because I dont want my credit to be affected plus, Im feeling stressed out with people calling me from all over the country. Im feeling her XXXX and I just wan na make sure that my Credit doesnt get affected and that this company is legit. I dont know if I did the right thing to be honest. 
Originally started making loans to this company back in XXXX. We opened this alone up because we purchased a dog I know stupidest decision ever in life but my kids really wanted one and at that time I couldnt afford it again. It was alone. I agree to the loan 100 % but since this new company took over the loan, theyre not legitimately respectfully following the rules and regulations I try to make my payment and theyre not letting me, every time I try to go to the portal theyre I dont have access to it. I asked multiple different times and then now I have random late fees I cant even make a payment I call and they wont let me or they add a {$210.00} charge on top of it. Its not fair. I just wan na make a payment without having these random fees attached for no reason. 

I cant even get into my portal to attach documents. Thats the hardest thing right now. Im so sorry. I cant even attach any documents. I actually think I have emails. That would be grateful. 


Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXX hoping somebody can get back to me and see if this company is legit.
Consumer complaint received 2024-07-10
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 (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear NAVY FCU, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft and fraud laws in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that NAVY FCU has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for NAVY FCU to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that NAVY FCU immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that NAVY FCU will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.