davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (NY)

This was all XX/XX/XXXX XXXX purchased an XXXXXXXX XXXX XXXX  off XXXX XXXX  for XXXXwhich is XXXX, the seller was tatted up I tried to get a response from the seller after I bought the phone. I sent him a msg that day he never responded to me XXXX XX/XX/XXXX I canceled the order. I went to XXXX help to let them know that I would like to receive my money they told me from me canceling the order that they never received my money I then went to XXXX to see why the transaction was pending and they told me because they're waiting for the seller to respond I told them that the seller never received my money because I canceled it.so they wanted documents that I submitted and they're still acting like that's not good enough.so now I'm here to fighting for money that came out of my own pocket
Consumer complaint received 2023-04-17
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Porter Law Firm (TX)

This is a continuation from initial complaint submitted XXXX, XXXX. 

Follow up from complaint XXXX, XXXX, XXXX. 

My HOA, its Management Company and Attorney are reporting adverse action in form of Public Record to my credit reporting agencies. Also the accounting of my payments is incorrect and no resolution to correct the amount that has already been paid. After many denied debt validation requests and ignored emails, I submit information for assistance in consumer rights. 

The Attorney and his legal assistant has now moved to Porter Law Firm, XXXXXXXX Tx XXXXXXXX as of XX/XX/XXXX. But still representing the HOA and management company. 

XXXX report as of XX/XX/XXXX. 
XXXX reports as of XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Account : XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX  account has been inaccurately reported on my credit report as a consumer debt. This account, associated with an administrative support order, is not a debt under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ). This misclassification is misleading and harmful to my credit profile, as child support obligations are not governed by the FDCPA. Consequently, this erroneous reporting violates my rights and has negatively impacted my credit score.
Consumer complaint received 2024-04-19
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. (WA)

I REVIEWED MY CONSUMER REPORT, I HAVE DISCOVERED INACCURACIES AND DISCREPANCIES IN THE REPORTED ACCOUNTS. 

Reported in Experian : XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX  Account Number : XXXX 15 U.S.Code 1681c ( f ) consumer reporting agencies failed to put a notice of dispute after 30 days of my dispute on this account.
Consumer complaint received 2024-04-19
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. (GA)

there are a lot of information on my credit that is not correct. I need these items to be remove from my credit report. XXXX XXXX stating XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these items are not correct please remove them.
Consumer complaint received 2024-08-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (HI)

On XX/XX/XXXX, Service Member exercised their right to contract with Navy Federal Credit Union. The service member submitted the necessary documentation, expecting it to be processed within the three contractually agreed days by the CEO of Navy Federal, in accordance with the Uniform Commercial Code ( UCC ), the Truth in Lending Act, and Regulation Z. This was done with the expectation that Navy Federal would respond and rebut, point by point, the notice of surety and bond if there were any defects, in the form of an affidavit.

However, when Service Member reached out to Navy Federal Credit Union for follow-up, they were met with hostility. The service member was subjected to verbal aggression and demands to perform under threat, duress, and coercion. This is particularly concerning as the service member has fulfilled this obligation many times over, and forcing continued compliance would equate to involuntary servitude, which is illegal.

Furthermore, when the service member contacted Navy Federals Fraud Department and Executive Team, they openly admitted to disregarding Constitutional laws, the UCC, and court orders at both the state and federal levels, as well as the service members inherent rights. The service member was instructed to continue performing under the contract, which again would force them into a form of involuntary servitude. 

This situation is deeply troubling and requires immediate attention. The service members rights have been violated, and they have been subjected to unlawful and unethical treatment by Navy Federal Credit Union. 

I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action against Navy Federal Credit Union to ensure that such behavior is corrected and does not occur in the future. 

Thank you for your attention to this serious matter.
Consumer complaint received 2024-04-19
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. (TX)

You are reporting an account that isn't mine on my credit report. I received correspondence from XXXX naming another individual as the primary owner of the account XXXX ( see attached document ). Furthermore, I have no recollection of having a business relationship with XXXX. There are many FCRA violations and for that reason I am requesting the deletion of the account on my credit report. My name is XXXX XXXX and the letter is addressed to a person named XXXX XXXX. This is negligence on the credit bureau 's behalf. I have tried to get this remedied for some time now. I have proof of all correspondence and if this is not removed from my credit report within 7 days I will move forward with legal action. Please see the attached affidavit and correspondence naming someone else as the primary owner of the account.
Consumer complaint received 2023-10-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Hi, I believe that Bank XXXX XXXX is unfairly falsely advertising their loan rates to get consumers to apply. Bank of America was unable to explain to me the reason I did not receive the lowest advertised rate. They only gave me general reasons but not the precise reason for my loan. I have included a copy of my complaint to XXXX XXXX. I am seeking an adjustment to my loan rate to the XXXX XXXX advertised rate when I applied. 

Dear XXXX XXXX, XXXX XX/XX/2022, I applied for a XXXX auto loan. Based on the online application the current rate is XXXX XXXX  minus my preferred rewards XXXX tier discount of .5 % for a XXXX XXXX  rate. I received an approval with XXXX XXXX  rate. A XXXX XXXX and the price you pay for credit letter states I have a XXXX score which is higher than 87 % of US. consumers. 

Based on my excellent credit history, never a default or late payment and my long-term relationship with Bank of XXXX XXXX this XXXX XXXX XXXX me. Can you please recheck my application to see if this is the correct rate. If this is the correct rate, then I would suggest a clearer advertising that states that most applications will not be approved for the lowest rate. 

As a Diamond Tier member I would think that I should qualify for your best rate and if not than I really don't think there is much benefit to being a Diamond Tier member. Hopefully we can solve this issue without any further action needed.
Consumer complaint received 2024-08-14
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. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-04-19
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. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2022-10-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX  # XXXX before you guys put out a report on my credit can you make sure everything is accurate!! otherwise delete it..it 's USELESS REPORTING... 
date last active transunion says XX/XX/XXXX, XXXX  says XX/XX/XXXX while XXXX says XX/XX/XXXX ... who's correct? don't you guys have the same source? so why are the dates different??!! EXACTLY!! DELETE THIS USELESS REPORTING!! THIS IS WHAT YOU call BLIND INVESTIGATION!!
Consumer complaint received 2024-08-07
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I request that you investigate the source of these inquiries, and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN. 

I am disputing the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX If your investigation reveals the inquiry is valid, I request that you provide me with your method of verification as well as the contact information of the source of this verification. I am allowing you 30 days to complete this investigation.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Ive sent disputes to Equifax about my late payments not being late and them changing my account to paid as agreed. Ive asked for proof that my late payments were late. Asked for the proof that the company sent me a letter before 21 days letting me know my payment was late.
Consumer complaint received 2024-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (WI)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX from 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 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

After reviewing my consumer report I am concerned about some information that has been reported, I believe that my consumer rights have been violated according to 15 U.S.C 1602 ( g ) there is no valid proof of the evidence of indebtedness with this credit transaction. 15 U.S.C 1602 ( k ) I was not provided an adequate notice that clearly showed I owed this debt, and because of this, I made an uninformed decision by a computerized agreement. 15 U.S.C 1602 ( p ) unauthorized use because I did not benefit from this transaction. According to 15 U.S.C 1681s-2 ( a ) on ( XX/XX/XXXX ) this company then closed the account and furnished an account on my consumer report without my consent. 15 U.S.C 6802 Gramm-Leach-Bliley : 15 U.S.C 6802 ( a ) ( a ) Notice : This company directly disclosed my personal information to multiple nonaffiliated third parties, and did not provide me with a notice that complies with section 6803 of this title. This company did not have my verbal consent to use and share my information with other nonaffiliated institutions, which by law is a violation of identity theft. 15 U.S.C 6802 ( d ) This company disclosed five late payments to nonaffiliated third parties which still reflects on my consumer reports. 15 U.S.C 6802 ( b ) Opt-Out This company actively disclosed my nonpublic personal information to nonaffiliated third parties which such financial institutions did not clearly and conspicuously disclose this information to me, in writing or in electronic form under section 6804 of this title, that such information may be disclosed to such third party ; This company has never given me the opportunity, to initially disclose this information, and refuse that such information shall not be disclosed to such third party ; and that I am given an explanation of how the I can exercise the nondisclosure option. I have never received an opt-out explanation from this company for the duration of my extension of credit. ( XX/XX/XXXX ) - ( XX/XX/XXXX ) After this company closed my account on ( XX/XX/XXXX ) the company customer representative explained that I would have to reapply for my right to extend credit, I then applied for my right to extend credit and was denied 9 times over the course of the year XXXX - XXXX. Which makes this company liable to 15 USC 1681 ( a ) ( 2 ).
Consumer complaint received 2023-08-03
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: EQUIFAX, INC. (AR)

I contacted Equifax stating that the law on medical debt has changed. XXXX XXXX XXXX has a medical bill in the amount of {$480.00} on my credit report. From my understanding, medical debt that is under {$500.00} is supposed to be removed from my credit report as of XX/XX/2023. This did not occur. I sent a letter to Equifax and I did not hear back. I sent a letter to the company and they completely ignored my request to remove the medical debt.
Consumer complaint received 2023-09-30
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: CAINE & WEINER COMPANY, INC. (FL)

I requested for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully requested XXXX XXXX & XXXX to provide me with competent evidence that I have any legal obligation to pay. I get no response from the company, but they continue to report invalidated information to all of the three major credit bureaus ( XXXX, XXXX, XXXX ).
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

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 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2023-12-18
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. (FL)

After reviewing my updated credit report there are accounts that I consider to be inaccurate and incomplete which was recently obtained by your company. I am sending this letter to your company to let you know that these errors and incomplete information you are reporting have negatively impacted my credit score. 

XXXX XXXXXXXX : XXXX XXXX XXXX For Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

On XX/XX/24 I logged into my online account to remove a credit freeze. I was able to log in just fine, but the system stated it was unable to determine the status of my credit freeze. I tried to unfreeze my account, but was unable to do so. 

Called support, which took 1 hr to get through. Agent was unable to fix the issue. She stated she would escalate the issue to " support '' and that I need to wait 3-5 days for a resolution. I told her that was unacceptable and that this freeze was preventing me from obtaining credit. I stated time was of the essence and that I needed a resolution same day. 

I also explained that while we were on the phone, my online session had timed out and that I could no longer log into my account. She said she was unable to help with that either and that I needed to wait for support to fix that issue as well. 

Agent would only identify herself as XXXX. Would not provide employee ID or location. I requested she forward my name and phone # to her support department and stress the urgency of this issue. I asked for a call from " support '' and a status same day. 

As a result of Equifax 's failure to timely resolve this issue, I may suffer loss of a financial opportunity. It is estimated that failure to resolve the issue same day will cost me approximately {$1000.00} in losses.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

I am reaching out once more to express my confusion regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent accounts. Following this submission, XXXX and XXXX have promptly removed these accounts from their records. 

Here are the details of the following accounts in question : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

Additionally, I have directly contacted the company associated with these accounts, and they have confirmed its removal. Therefore, I am perplexed as to why this accounts are still being reported by your bureau. 

It is crucial to acknowledge that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, 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. (NY)

Hello I have sent out letters trying to dispute a number of inquiries on my credit report that I did not give my consent to and they are unauthorized, completely fraudulent. I have attempted to contact each creditor to get answers and they tell me they will investigate and take care of it. No one ever gives me a direct answer any more just to contact the credit bureaus. I called the credit bureaus a number of times to inform them of my issue and concern and they told me to contact the creditor and i did. I have sent a number of letters to the credit bureau as well and still no response. This is my last hope of getting this situation rectified. I even sent in ftc reports on a 2 different occasions. I sent letters out on XX/XX/23 and XX/XX/23. I am tired of being a victim of this flawed system This is completely unjust and no one is doing anything about it. I need you guys assistance on the matter please please please.