davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (PA)

7 COUNTS OF FCRA VIOLATIONS REMEDY : COMPENSTOURY DAMAGES, PUNITIVE DAMAGES ( {$200000.00} ) XXXX XXXX VS. NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX PLEASE SEE MY EXHIBITS ATTACHED PROVING FCRA VIOLATIONS ( see the attached ) For the past 24 months i have submitted certified letter dispute pointing out to the company 1692 FCRA violations yet they refuse to remove the in accurate information and account. I have even seek the CFPB assistance and the inaccurate accounts remains. See company willfully and negligently verifying the inaccurate account for twenty 24 months. For the last time please take a look at my attachment and follow along : Item # NAVY FEDERAL # XXXX REFORTING TWICE ITEM navy fedearl # XXXX Reporting twice with different payment dates for the same account number. ( see exhibits ) 1. Navy Federal Credit Union have been reporting account with {$24000.00} balance twice on my credit report for the past 36 months. Once again they reported the same account closed several times twice also with different closing dates and date of last payment. Such as Account closed on XX/XX/XXXX, The same account closed again on XX/XX/XXXX and reporting as two seperate accounts on credit report : ( see the attached ) Questions : 1 How can you verify the same account numbers reporting twice on a credit report? XXXX, XXXX and XXXX are also liable and in violation. 2. How can you say you call the company and verified reporting inaccurate information for 36 months of disputes? 3. How can you close the same account twice at the same time on a credit report with different closing dates? ( see credit report exhibits ) This is inaccurate and a violation of FCRA laws. I now have enough 36 months credit reports and responses from all XXXX, XXXX and XXXX to prove FCRA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. Rather than wasting time on a lawsuit i keep pointing out these errors yet they willfully and negligently refuse to remove the inaccurate information from my credit report. If they fail to remove these two items for my credit file by XX/XX/XXXX i will move to file a FCRA complaint in Federal court where i will ask for compensatory and punitive damages for {$200000.00} for the damages this inaccurate reporting have caused me for the past 36 months. The CFPB can verify my many disputes regarding this matter and the company responses which i also intend to use as exhibits in my lawsuit if filed. For the last time i urge you to take a close look at the attached file/credit report showing the FCRA violations mentioned.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I believe Capital One wrongfully charged me interest on my credit card account a day after I paid my credit card in full. My payment was due on XX/XX/year>, but I made a payment at one of their branches on XX/XX/year> and my receipt stated the credit would be on XX/XX/year>.
Consumer complaint received 2024-08-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

I received a secured credit card through Capital One to build credit history. I used it on XX/XX/XXXX for the first time. I made a payment the following day for the full balance. I used the card again on XX/XX/XXXX and made a payment the following day. Each time my payment was returned. After attempting to make the payment my account was closed by Capital One. I got this card only to improve my credit and the in the end I have lowered my credit by XXXX points.
Consumer complaint received 2024-08-23
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (AL)

Dear Sir/Madam, I am writing to formally dispute an incorrect late payment reported on my credit report for my Ford Motor Credit account . The account number in question is XXXX Upon reviewing my recent credit report from [ XXXX, XXXX, or XXXX ], I was surprised to find a late payment recorded for the month of [ XX/XX/year> ]. I believe this to be an error, as I have consistently made all my payments on time and in total - and certainly nothing over 30 days late. This is my third auto loan with Ford Motor Credit. 

I assume this issue arises from the {$560.00} payment made on XXXXXXXX, which was returned via XXXX in error because I have overdraft protection. Once I was made aware of this bank issue and was advised via my bank that Ford was retrying the payment, I made a cash payment to Ford on XX/XX/year> through XXXX, which clearly stated in a note, THIS PAYMENT IS FOR THE RETRY PAYMENT. The cash payment covered the {$560.00} payment on XX/XX/year>, and if the retry payment cleared my bank, no late payment would be made to the account. This happened because I made a separate payment to cover the retry, and your systems were on track with the initial transition and ignored the fact the {$560.00} payment was for the retry payment that was attempted on XXXX 

I have had loans from all the major Captive Finance companies, including XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Ford Motor Credit has provided the best customer service.

. Please review my account history and correct this error by removing the late payment from my credit report. 

This incorrect information is negatively impacting my credit score, and I am seeking your prompt assistance to resolve this matter. Please provide a written confirmation once this error has been corrected.

I appreciate your attention to this matter and look forward to your swift resolution.

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I was notified by your company regarding an alleged unknown debt in the amount of {$210.00} from XXXX. I have reason to believe I do not owe this debt because I have never had an account with that store or because I believe you have me confused with a different person. I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts and also provide the original that bears authentic hand signature of agreement of the debt. Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.
Consumer complaint received 2024-06-23
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2024-08-05
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: EQUIFAX, INC. (OH)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. Hard Inquiries not mine 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 Equifax has XXXX XXXX score dramatically compared to other bureaus XXXX XXXX XXXX by all the inaccurate and XXXX reporting claiming my credit line dropped XXXX from XXXX when it didn't, and balances not updated in months. I respectfully request to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for XXXX purposes.
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: Experian Information Solutions Inc. (MA)

Hello - I recently received an alert that a hard inquiry was made to my credit report by XXXX XXXX. Having never applied for a XXXX XXXX credit card and otherwise having no business with them, I was concerned. I immediately checked my credit report, disputed the fraudulent inquiry, and in doing so made accounts at the 3 major credit bureaus : Experian, XXXX, and XXXX. Since I did this last week, my Experian account has been hacked twice and is currently outside of my control. A hacker, using my SSN, must have gained access to my Experian account and changed my password and phone number associated with the account- in other words, there is no way for me to gain access to my own credit report through Experian.

Experian 's account safeguards seem to be so lacking that anyone with your SSN can create an account in your name or take over your existing account. I tried calling Experian 's customer service line many times - it is automated, and there seems to be no way to actually get to an agent to discuss this issue, prove who I am, and receive timely help on this sensitive, concerning matter. After 3 days, Experian did respond to an email, asking me to physically mail copies of my driver 's license, utility bills, and social security card to their address. Needless to say, especially considering what I'm going through at the moment, I don't feel comfortable sending around my sensitive personal documents across the country. Also, the email they sent was itself concerning- although it was from the experian.com domain name, it had several typos and formatting issues. It made me feel paranoid, like these people ostensibly trying to help me monitor issues of identity theft might be scammers themselves. 

I just want the opportunity to safely access my credit report through Experian, and the assurance that they will automatically use multi-factor authentication to prove, as much as possible, that people are who they say they are and are legitimately trying to access their own credit information.
Consumer complaint received 2024-05-17
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: Experian Information Solutions Inc. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

Dear Experian, I am writing to formally dispute the incorrect address listed on my credit report. Despite multiple previous attempts to rectify this error, you continue to report an address that I have no association with. The incorrect address in question is : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I do not live at this address, nor have I ever had any association with it. I have provided proof of my current and correct address, which is : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX This is the fourth time I am submitting this dispute. Each previous submission included copies of my drivers license, social security card, and a utility bill, all clearly indicating my correct address. Despite this, the incorrect address remains on my credit report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, Experian is required to : 1. Ensure Accuracy : Experian must ensure that the information they report is accurate. Reporting an address that I have no association with violates this requirement. 

2. Investigate Disputes : Experian must conduct a reasonable investigation of disputes. Given that XXXX and XXXX have corrected this error based on the same documentation, it is evident that Experian 's investigation process is flawed or inadequate. 

3. Correct or Delete Inaccurate Information If the information is found to be inaccurate or incomplete, Experian must correct or delete it. Failure to do so after multiple disputes constitutes a negligent and willful violation of the FCRA. 

This ongoing issue has caused significant distress and inconvenience, and I am prepared to take legal action if this matter is not resolved immediately. Experian 's failure to correct this erroneous information despite being provided with clear evidence multiple times demonstrates a reckless disregard for my rights under the FCRA. 

If this incorrect address is not removed from my credit report within 30 days of receiving this letter, I will have no choice but to pursue legal action for damages caused by your continued negligence. 

I expect confirmation in writing that this correction has been made, and a new copy of my credit report reflecting the correct address sent to me.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (VA)

Approximately XXXX billing cycles ago, I paid off my balances in full on my Wells Fargo credit card at over {$4000.00}, {$400.00}, and {$150.00}. Each month following the payoffs, my statements showed accrued interest and cash advance fees for the balances that were paid off in full before the due date. When I checked the current charges against the last payments made, the total charges were not much more than {$400.00} ( at least 50 % less than what the bank was charging me of {$810.00} ). I called Wells Fargo for an explanation and was told they could not tell me why and that I needed to refer back to my Terms of Agreement. I froze my card to prevent any future charges and threatened to close the account after paying off the balance in full again. I believe that Wells Fargo has continued to access fees and interests unwarranted in an effort to defraud me as a consumer. Specifically, I am still paying cash advance fees when the total balance was paid off in full twice in the last 2 billing cycles.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CULLEN/FROST BANKERS, INC. (TX)

I utilized a non-Frost, XXXX XXXX XXXXXXXX ATM for a {$60.00} transaction. The XXXX ATM did not dispense cash. Upon contacting Frost Bank, I received a provisional credit for {$60.00}. 

Upon completion of the claim, Frost reversed the provisional credit. I then filed a second appeal, which was denied the same day. A letter was sent stating that the original decision was upheld. 

I then contacted Frost by USPS mail, requesting a copy of the documents used during the dispute review. Frost refused to provide such documentation, and sent another letter stating their review was complete and the decision was uphelp.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IA)

My name as appears on my Birth Certificate and Iowa XXXX XXXX is different from the name on Equifax, XXXX and XXXX credit reports. My name is incorrect on Equifax, XXXX and XXXX. These names are all variations of my given name, but not my given name. I do not go by any variation of my name these names which I did not provide, and the information attached to these variations are not my information. I have attempted to address these inaccuracies and incorrect information, however Equifax, XXXX and XXXX refuse to update their files with my correct information. I have not been able to prove my correct identity to these XXXX XXXX, Equifax had a incorrect birth year XXXX and no birth date, i spoke to a rep and asked how are you able to verify information with an incomplete XXXX  profile full of inaccurate and inconsistencies? I mailed a letter to Equifax and they received the letter on XX/XX/XXXX and Equifax has not updated my XXXX  to reflect my correct information. XXXX has different variations of the name but not my name. there are addresses, phone numbers, and employers i do not recognize. XXXX is still to this date locking me out and making it basically impossible to get a response from them. XXXX has variations of the names, employers i never was employed by and addresses i have never lived at. also there are multiple inconsistencies with the XXXX file and according to law, I want the XXXX account deleted and XXXX am a government XXXX, being harmed by the malisious practices of these consumer credit reporting agencies, they are harming me financially, Personally and businesswise. I have provided all requested information in the past and still not able to verify the incorrect information pertaining to what is supposed to be a file reflecting my person, which it doesn't. The bureaus maintain their information files are correct and need to update my file to reflect my XXXX profile as it is, not as whoever provided this incorrect information.
Consumer complaint received 2024-08-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY (MA)

Closing mortgage and providing loan pay-off amount to predatory individuals without checking with the primary contact. The successor in interest wanted to assume the mortgage of his brother but without informing him, the mortgage provider provided the information and loan payoff amount to someone who submitted a document. 

Every state has different laws when selling property and in this case the property had to first be advertised for XXXX and the beneficiaries informed. XXXX submitted to the mortgage company a legal filing to Assume the Mortgage as successor in interest, which was his due right. The legal Documents were provided to the mortgage company. I confirmed with the supervisor that documentation was on record even then the mortgage company was working with predatory individuals who have been reported to the State Attorney Generals Office. The family has requested a timely Court hearing and request to assume the mortgage. However, mortgage company did not give any preference or priority to Succesor in Interest. Mortgage or Tax payments were current and no late fees. Mortgage company did not have any risk or need to offload this mortgage and had time to wait for due process to be completed.
Consumer complaint received 2024-08-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Hey so I see that a Capital One Quick Silver and XXXX XXXX credit card was applied for without my consent back around XX/XX/XXXX. Someone has been using my information to get credit cards without my knowledge, and its causing my credit to suffer with uanessacry hard inquires and ect. I would like for this issue to be resolved asap. Thank you.