davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian, XXXX and XXXX will investigate this account for me to ensure accuracy. Here is the personal information I am asking you to correct because it is inaccurate and incorrect : NAME : XXXX XXXX XXXX ; XXXX XXXX [ XXXX ] DATE OF BIRTH : XXXX PREVIOUS ADDRESSES ( ES ) : XXXX XXXX XXXX XXXX TX, XXXX [ XXXX ] ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX [ Experian ] ; XXXX XXXX XXXX XXXX XXXX, TX XXXX [ Experian ] XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX [ XXXX ] ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX [ XXXX ] EMPLOYERS : XXXX, 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 belongs to someone else
Company: EQUIFAX, INC. (NY)

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 2024-06-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/XXXX, I noticed a charge of {$660.00} on my bank statement from the XXXX XXXX in XXXX XXXX, XXXX. Since I did not stay at this XXXX I contacted the XXXX staff to inform them of the unauthorized charge and requested a refund. Despite my efforts, no further actions were taken by the XXXX. 

I then contacted my bank, Navy Federal, to dispute the charge. Navy Federal initially provided a temporary credit for the disputed amount but later reversed this credit, stating that no error was found. When I requested an explanation of the investigation and the measures taken, no documents or detailed information were provided by Navy Federal.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

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/2023 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.

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 2024-07-02
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. (TX)

Despite multiple diligent attempts to rectify these inaccuracies, they persistently impact my credit history and financial standing. To provide context, I first identified the presence of fraudulent items in my credit file on [ Date of First Discovery ]. Since then, I have conscientiously followed the prescribed procedures for disputing and removing these inaccuracies, including the submission of supporting documentation and evidence of the fraud. I submitted all necessary documentation to substantiate my claims, which included proof of the fraud and any related police reports. After not receiving any resolution or updates on my dispute, I initiated follow-up inquiries during which I was informed that the investigation was still ongoing. Subsequently, I submitted additional disputes, reiterating my concerns and supplying any supplementary evidence that was requested. Despite my repeated efforts to rectify this situation, the fraudulent items persist in my credit file, inaccurately reflecting my credit history and detrimentally affecting my financial opportunities. Kindly help me remove the following items immediately : XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX  XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$590.00} XXXX XXXX XXXX XXXX Owed : {$81.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX : {$1500.00} XXXX  XXXX Balance Owed : {$2000.00} XXXX  XXXX Balance Owed : {$590.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$14000.00} - Reg XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-06-18
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 (NC)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX, North Carolina 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 ), and identity fraud laws specific to XXXX XXXX XXXX North Carolina XXXX 

It has unequivocally come to my attention that NAVY FCU has 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, North Carolina state law, specifically N.C.G.S. 75-61 and 75-62, emphasizes the necessity of consumer consent for credit reporting. Furthermore, North Carolina Identity Theft Protection Act establishes clear guidelines for the fair reporting and protection of consumer credit information. Identity fraud laws in North Carolina 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 applicable North Carolina statutes. 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 North Carolina 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.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (AZ)

I am currently reviewing my credit report and have noticed some inaccuracys in the report especially with this Navy Federal Account. Per 15 Use 1681 602 I am entitled to accuracy and fairness of credit reporting. I am demanding a reinvestigation into this matter as you are required by law to do an initial review to verify that this is in fact my account/responsibility. 15 USC 1681 603 states any report containing information solely as transactions or experiences between me the consumer and them the person making the report is illegal. The payments that are being reported as late are illegal, per the laws and regulations they are required to send me documentation and information to make a payment 21 days before it is due. I also never received any of the 3 disclosures that must be provided to me the customer by law before any information is reported to my credit report. I did not receive information about this being reported, you are required to ask my permission prior to reporting information to my report, and lastly give me the information to opt out of this information to not be placed on my report. I did not give consent for my none private information to be shared to anyone per 15 USC 6801 I am entitled to the protection of my non public personal information as congress has stated you have an affirmative and continuing obligation to respect the privacy of consumers and protect our private information. Secondly reporting utilization it illegal as it is the experience of how I am using this line of credit. If this is not removed from my credit report immediately then I will have no choice but to file a motion for intent to sue as my rights as a consumer have been violated and I am entitled to compensation if my demands are not met. 




NAVY FCU XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Revolving account XX/XX/XXXX Closed Charged off as bad debt XXXX XXXX 97 % {$1900.00} XX/XX/XXXX {$2000.00} {$1900.00} {$2100.00} Individual account Comments : Dispute resolved; customer disagrees Contact Into : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning
Consumer complaint received 2023-12-01
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 is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 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 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 2024-06-17
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)

On XX/XX/year>, I requested XXXX, Experian, and XXXX to update my personal information on my credit profile. 

Pursuant to the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ( a ) ( XXXX ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of XXXX XXXX XXXX and all its subsections.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I am trying to correct information on my Experian credit report, and I can't get through to talk to someone. I used the number given on the CFPB page to call them, and the initial prompts ask you to choose if you want to file a dispute. When you do, then it takes you to two different prompts- either to check for fraud or to order a copy of your credit report. There are no other options, they won't prompt you to a customer service representative, and If you choose one of the other options and try to get a customer service representative, it just takes you back to the beginning prompts. I don't understand how to dispute the credit reports that are on my file, and I don't have anyone to talk me through how to make sure I'm reading the report correctly and picking the correct credit reports on the record. They have this AI chat that's a beta version, and if I try to click on that, it just gives me a high latency pulsing gif that won't connect to even a bot. 

All I want is for someone to help me identify which of these credit accounts on my score are incorrect so I can correct them. They are not customer friendly, nor are they user friendly.
Consumer complaint received 2024-06-17
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. (MI)

I wrote Experian disputing a bankruptcy reporting on my credit report on XXXX XXXX. Experian wrote back stating it was verified. 
XXXX wrote Experian as well disputing the information and Experian never responded to XXXX dispute to erase the bankruptcy due to not being able to verify the information. 

I wrote another dispute letter to XXXX on XXXX, XXXX, XXXX about Experian stating it was verified. XXXX, reported that there are no bankruptcy reporting on my file with them at this time. XXXX wrote Experian another letter to dispute the inaccuracy however, Experian will not respond to the dispute with XXXX. 

This ongoing issue prevented financial security and emotional toll. 
Please address this matter promptly!
Consumer complaint received 2024-06-17
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 writing to report an incident of identity theft that has significantly impacted my financial well-being and personal security. Unauthorized accounts, addresses, and inquiries have appeared on my credit report, tarnishing my credit history and compromising my ability to access financial services and opportunities. 

Details of the Incident : Unauthorized Accounts : Several accounts were opened in my name without my knowledge or consent. These accounts include unauthorized Addresses : Incorrect and unauthorized addresses have been added to my credit report, none of which belong to me. 
Unauthorized Inquiries : Multiple inquiries from creditors with whom I have no relationship have appeared on my credit report without my authorization. 
Impact on Me : Financial Loss : I have incurred financial losses due to fraudulent charges and other activities resulting from identity theft. 
Credit Score Damage : My credit score has been negatively impacted, which affects my ability to obtain loans, credit cards, and other financial services. 
Stress and Inconvenience : The situation has caused significant stress and inconvenience as I have had to take extensive steps to address the issue, including filing disputes and fraud alerts. 
Actions Taken : Identity Theft Report : I filed an identity theft report with the FTC Report Number : FTC Report Number - XXXX Disputes Filed : I submitted disputes with each credit bureau to remove the unauthorized information. 
Violations : The unauthorized actions are in violation of 15 USC 6802 ( Gramm-Leach-Bliley Act ) and 15 USC 1681b ( Fair Credit Reporting Act ).

Specific violations include the presence of fraudulent names, addresses, and inquiries on my credit report, contrary to section 605B of the FCRA. 
Given the severity of these violations and their impact on my financial health and security, I urgently seek your assistance to rectify these issues and prevent future occurrences.
Consumer complaint received 2023-11-09
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. (SC)

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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED MY XXXX XXXX ACCOUNT BEING REPORTED INACCURATELY. THERE IS NO DEFICIENCEY BALANCE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REFLECTING ANY REPOSESSION STATUS AT ALL. REPORTING THIS INACCURATE INFORMATION IS IN VIOLATION OF THE FCRA : I have the right to privacy and this information is being reported without my written consent which is in violation of 15 USC 1681B.

Furnishing information pertaining to my transactions is in violation of 15 USC 1681A ( I ) But most importantly, your company has the responsibility of reporting maximum accuracy to my credit profile and not doing so is in violation of 15 USC 1681E ( B ) I'VE CONTACTED EACH BUREAU VIA CERTIFIED MAIL REQUESTING VERIFICATION OF THIS INFORMATION, AND INDEED ITS UNVERFIABLE.
Consumer complaint received 2024-06-17
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: SYNCHRONY FINANCIAL (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX  - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"