davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
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. (TX)

I was notified that my personal information may have been included in a data breach so I signed up for credit monitoring and noticed some personal information that was not mine, wrong spelling of my name and an address that wasn't mine. I disputed this with Experian where i noticed the misinformation and they responded saying they didn't think it was me even though I sent them my ID, social and a utility bill with my name and address on it. So I responded back letting them know it was in fact me and provided all of the information again, my ID, social security card and utility bill and again they responded with the same thing that they don't believe it is me requesting my credit report be updated. So I went on the internet and did some research and found out that Experian does this as a stall tactic hoping consumers won't dispute the information on the credit report. I'm worried that my personal information is included in a data breach and criminals are using this misinformation to create accounts in my name and Experian is allowing the criminals to do this by refusing to remove this misinformation or even investigate it. In my research that i got from the CFPB website it says they are required by law to investigate and remove inaccurate information!
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (FL)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. NAVY FCU - XXXX ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAVY FCU - XXXX ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of 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. ''
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (FL)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAVY FCU - XXXX ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAVY FCU - XXXX ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) 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 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. ''
Consumer complaint received 2024-06-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION (CA)

I got a credit card from Navy Federal Credit Union and they charged the debt off which is now considered income and should be put as paid as agreed from my credit report. They are also trying to sue me as well and saying they could garnish my wages or XXXX.
Consumer complaint received 2023-10-27
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. (NC)

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.

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 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (MD)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. The details of these accounts are as follows : Navy Federal CU Account # XXXX, XXXX and XXXX Navy Federal CU has charged off this account. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and can not be reported to your credit report. It is important to have these accounts removed immediately. 
I have also previously sent a letter to this company three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
XXXX and XXXX are consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition.

Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Neither the financial institution nor the consumer reporting agencies, XXXX and XXXX, have my consent to furnish this information, and they certainly do not have my written consent. Any previous consent given to XXXX, XXXX, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now revoked.

The Furnisher of Information to credit agencies did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Account that is being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). XXXX and XXXX are not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services. 

Thank you XXXX XXXX
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: COMMERCE BANK (MO)

My account with COMMERCEBK was never late! I have had exceptional payment history with COMMERCEBK 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> and 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 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. 


COMMERCEBK 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 2024-06-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC (TX)

Loan for roof repair taken XX/XX/year> with XXXX and XXXX XXXX. 
Home Improvement Contract Price {$36000.00} Interest Rate/APR 11.99 % Monthly Payment {$400.00} ( XXXX ) Credit term XXXX years Finance chg is {$60000.00} with total paid {$96000.00} I am an elderly widow on a fixed income and am unable to obtain credit now and make my debts. I feel this is unfair, and I am a victim of predatory lending. I was unable to get other bids on the work and my roof was leaking.
Consumer complaint received 2024-06-15
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)

On XX/XX/XXXX having fair to good credit scores I went to purchase a vehicle to begin an extra income for my family only to be denied due to an incorrect credit report. On Account XXXX XXXX XXXX XXXX was closed in XXXX had reopened account and claimed that a payment was made XX/XX/XXXX and was not a payment made was the balance of XX/XX/XXXX that was added due to gap insurance. While reporting it a payment had restarted the the account by the false payment but made my report look like the repossession happened less then three months prior. Embarrassed I would have never applied for credit if I known my report showed a false claim. Now I have multiple hard inquiries on my report under false claims.
Consumer complaint received 2023-10-27
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. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX 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 2024-06-15
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. (MI)

I reviewed my consumer reports and noticed that I had payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abily with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/year> Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2023-05-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NY)

I have submitted for loan forgiveness through the PSLF waiver back in XXXX. Per Dept of Ed I should have been direct to discharge months ago as I have been well over the XXXX payment count. I have been in touch with mohela dozens of times about this. I get a different excuse each time but they all say my payment counts have been sent to Dept of Ed. Dept of Ed says they have not. Dept of Ed states Mohela tells people that when it isnt true. Meanwhile people whove applied six months after I did are having their loans forgiven. I dont know what else to do. Please help.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: KEYCORP (IL)

I opened the high yield savings account with Laurel Road Bank on XX/XX/XXXX and transferred {$23000.00} into my account. After that the account suddenly got locked and I was not able to log into it. I immediately contacted them to ask what happened and why was it locked. They told me that they found some suspicious activities and that's why they have locked it. I asked them if they could unlock it for me, to which they told me that they need my ID and phone bill to verify my identity and that it will take within XXXX business day. I did all of that and haven't gotten any response from them so i called them the next day for an update. They have told me that the case is under review and that it will take from 4, 10 to 30 business days. At that point I was worried because I have never run into this type of issues before. I have XXXX other XXXX accounts from XXXX different banks and never ran into this type of issues before. I have done some research on the internet and have found so many complaints with this bank with similar issues. After hearing so many horror stories from many people that have shared their terrible experiences with this bank I got concerned as I really needed the money. After XXXX week not hearing any updates from them i called again and demanded that someone need to unlock my account so I could get all of my money back. Again they said the same answer... it is still under the reviews and that it could take as many as 30 days for it to be resolved. Based on my research I knew i couldn't just leave it at that and requested to talk to the manager or supervisor. Which I was able to and explained how disappointed I was with their services and that I have never faced this type of misleading and fraudulent business handling before. To me this looks as if they were using the " security '' excuse to withhold my money for as long as they can. This is what I have found out on the reddit post that I will be attaching the screenshots of, where many people were the victims of their shady tactics. Most people shared how they weren't able to get their money for months. And their accounts have been locked under suspicious activities, same as mine. The manager explained that unfortunately they couldn't do anything about it and that all I can do is to wait. He promised me that he will reach out to me by XX/XX/XXXX. But every time they have assured me that they will reach out to me with some answers, they haven't. This is why I could not trust their words anymore. Which is why I'm writing to you to share my experience with them. Its been 10 days and I havent heard anything from them and Im still unable to access my account where they are holding my money {$23000.00}. At this point I dont know for how long or if I would be able to get my money back. I am desperate for help
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I have reached out to XXXX several times regarding incorrect information on my account. My credit report shows that I have XXXX accounts with them. However, I only have XXXX account. In the past my account number has changed but I still only have XXXX account. I filed a complaint with CFPB once before regarding this same issue. The claim number was XXXX. This still has not been resolved. I would like this misinformation to be taken care of as soon as possible and updated to all XXXX  credit agencies.
Consumer complaint received 2024-06-19
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. (GA)

Experian is reporting direct loan accounts inaccurately on my credit report with missed payments. I have never missed apayment and these accounts are reporting incorrect balances and information that is affecting me from moving forward with purchasing a home. MY RIGHTS ARE BEING VIOLATED. On top of this the account is reporting inaccurately with a bunch of errors the account can not be mine and needs to be removed from my credit report.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, 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. (AZ)

Transunion sent totally inaccurate information to someone I applied for credit through ( XXXX XXXX ). 
This is what they said : Lack of recent installment loan information. No recent revolving balances. No recent bank/national revolving balances. Length of time accounts have been established. 
I had a car loan in the last three years now paid off, a personal loan two and a half years ago now paid off, credit cards balances, a credit line I have had for well over ten years, and credit card [ with a XXXX XXXX limit ) for over eight years, and a history of decades of consistent on time payments. 
The last time I checked my credit line I was XXXX points shy of hitting the ceiling. 
If I am given the opportunity, I will attach a copy of the credit report I just downloaded from Transunion.