davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (OK)

Navy Federal Credit Union made an XXXX deposit that was solely in my name to an account that I was no longer a joint owner. I had voluntarily submitted my form on XX/XX/2024 and was provided with a confirmation message and email that I had been removed on XX/XX/2024. Since the bank made the mistake of accepting the XXXX deposit and has yet to refund my money or send it back to the originator, I have had to go through ridiculous amounts of being on hold and trying to rectify this situation by other means. I made sure to document this information by downloading the emails and taking time stamped photos in case is mistakenly disappeared. The photos and documentation is time stamped as XX/XX/2024 at XXXX PM. Today, I saw another emessage that indicated this had been closed and that NFCU was not in any way at fault with this email being dated as sent on XX/XX/2024, but the previous emails indicating the date of my joint owner removal had vanished from the emessage list and the link in my email directed me to the emessage page, but not the direct email itself. There is no record of my removal being finalized on XXXX XXXX. It seems like they might be responsible and want no record of any mistake they made. I called today to receive verification of the date that I was removed as a joint owner from the account and was told that I am not a joint owner of any account and that I hadn't been. By the end of the conversation they were checking with correspondence to see if I could receive confirmation for being removed from an account that they indicated may or may not have been a joint owner on.
Consumer complaint received 2023-05-01
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. (GA)

Transunion has stated that the account was verified as accurate, which is not true! 

XXXX XXXX  XXXX XXXX On Monday, XX/XX/2023, the company of the above account, sent an email to my complaint and stated that they reported to the credit bureaus on XX/XX/2023, to delete the account due to fraud ( EMAIL ATTACHED ). HOW CAN THE ACCOUNT BE VERIFIED WITH Transunion, IF THE FURNISHER HAS STATED IT WAS DELETED?! YOUR CONSUMER REPORTING AGENCY HAS BEEN KNOWINGLY REPORTING INACCURATE INFORMATION FOR OVER TWO DESPITE MY REQUEST FOR DELETION AND HAS VIOLATED SO MANY LAWS WITH THEIR WILLFUL NEGLIGENCE & NON-COMPLIANCE!
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

Please remove all fraudulent accounts off my credit profile from XXXX, XXXX XXXX, Equifax immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-13
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. (AL)

I have reached out to this company no less than three times. They have failed to provide proper validation, and continue to report the account in error. Account number is reported with symbols. Account status is not in compliance. It has not been 12 months since the original date of service. This is considered a HIPAA violation, as I gave neither party permission to share my medical records. Surprise billing act has also been violated.
Consumer complaint received 2024-08-26
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: World Omni Financial Corp. (SC)

My car was repossessed without any notice of the right to cure. 

I had set up a payment via an automated phone system. Where it said I had a payment agreement in place for XX/XX/XXXX. There were not ANY OTHER prompts saying I had to make that payment online. So I thought the payment was being auto-drafted from my account because that's how it's always been done. Only to find out they never drafted the funds from my account which I was unaware of. 

As a result, I woke up this morning my car was missing. They repossessed my vehicle and now I'm trying to get it back asap. 

The company that I have this loan with is Southeast Toyota Finance.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate items that is reporting incomplete information. Incomplete information is inaccurate and thereby not supposed to be on my report.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

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 XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

My commitment has always been to ensure timely payments on this account, avoiding any instances of overdue status. The reasons behind the reported late payment remarks on my accounts are uncertain to me. As per 15 USC 1666b - Billing Error, corrections should be enacted.
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Andreu, Palma & Andreu, PL (FL)

I was first notified of a lawsuit by the debt collector ( law firm ) on XX/XX/year> when I received service. I filled motions in the court for legal purposes to dismiss. On XX/XX/year> I sent notice to the debt collector notifying them of my rights under the CFPB. The certified letter was received by the debt collector on XX/XX/year>. I requested verification of debt, original written agreement between myself and the credit card holder, proof that they are a debt collector have been assigned the debt. The debt collector has failed to respond back to my request. I am in the early process of possibly suing the debt collector for this violation, as it has caused more injury to my finances.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

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 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-23
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. (PA)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

XXXX, XXXX, Experian has inaccurate reporting on my credit reports, I wrote all three bureaus and they are still reporting inaccurate information. I have reached out to the companies also that I notice that are inaccurate still no change. I notice hard inquiries, I also notice old accounts and old collections that I have Know Knowledge of please help me resolve this issue.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have called several times to transunion, XXXX and XXXX  regarding this fraud. I have sent them all the documentation they require to block the fraudulent information and they have not done so within the 4 day requirement which by law states 15 US code 1681c-2 " A consumer reporting agency shall block the reporting of any information in the file that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days ''
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XX/XX/year> XXXX a Dispute With XXXX an Transunion, also complaint with CFPB an company responded with ( IRREFUTABLE ) information that was consistant with what i stated an account still wasnt removed. I high lighted there reponse proving balance Different amounts I have Requested copy or the original agreements that created the original debt that includes all signature of all parties. Also I requested proof of chain of ownership the includes proof of assignment that include change of ownership must be from that original creditor to the current owner without breaking chain. Also include a full accounting history from the original creditor including the date an amount of each payment, date of each delinquency leading to the collection status .If any interest of fees have accrued or been added onto the balance. Please send ( Proof ) that such fees are lawful and agreed upon in the original purchase. Proof that you are legally allowed to collect in the State of Alabama including your third party Debt Collector Bond. Also send proof that you sent the legally required notice to me before reporting this alleged debt to any consumer reporting agencies, including copies of original notice an any letter tracking your firm maintains FTC vs XXXX XXXX XXXX makes clear that it debt parking without proper notices is a violation of consumers rights.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 : US DEPT ED Account Number:XXXX Account name : U S DEPT OF EDXXXX Account NumberXXXX  Account name : XXXX  Account Number:XXXX Account name : XXXX XXXX Account NumberXXXX  Account name : XXXX XXXX Account Number:XXXX  has violated my rights. Or 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.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to formally address serious concerns regarding the handling of my identity theft dispute with Equifax. On XX/XX/year>, I submitted a dispute to Equifax, providing all required documentation, including a government-issued ID, proof of address, and an identity theft report, as outlined under the Fair Credit Reporting Act ( FCRA ). However, on XX/XX/year>, I received a response denying my request to block the fraudulent information on my credit report, claiming a lack of sufficient documentation. 

This denial is not only unfounded but also constitutes a clear violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2, which establish the permissible purposes for the inclusion of information in consumer reports and mandate the blocking of information resulting from identity theft. 

Specifically : 15 U.S. Code 1681b ( 2 ) prohibits the furnishing of consumer reports without a permissible purpose, and there is no permissible purpose for retaining fraudulent accounts on my report. 
15 U.S. Code 1681c-2 explicitly requires credit reporting agencies to block information related to identity theft when proper documentation is provided, which I have already done. 
Your failure to comply with these provisions opens the way for civil liability for both negligent and willful noncompliance under 15 U.S. Code 1681n. Under this statute, a victim of noncompliance is entitled to {$1000.00} per violation. The continued reporting of accounts that were fraudulently opened without my express written consent constitutes multiple violations, as these accounts remain on my report without my authorization. 

This lack of action on Equifaxs part has resulted in further damage to my financial well-being, and I am prepared to pursue all legal remedies available to me under the FCRA if this issue is not resolved promptly. 

I am requesting the following immediate actions : Immediate blocking of the disputed items on my credit report, as they resulted from identity theft. 
A written explanation as to why my request was denied despite my submission of all required documentation. 
Compensation for the damages incurred as a result of Equifaxs negligent and willful noncompliance with the FCRA.
Consumer complaint received 2024-09-02
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: RANLife, Inc. (TX)

My Bankruptcy Trustee made a double payment to Ranlife for XXXX and XXXX. Then paid XXXX. Ranlife recently acquired my account from XXXX. These three payments were not properly applied and sitting in a suspense account. I have received several notices that my mortgage has not been paid. But, the payments of over {$5000.00} are sitting in a suspense account. All the agent told me, a ticket was created and it should be resolved in 3/4 days. Meanwhile Im left wondering if this will be resolved.
Consumer complaint received 2024-05-01
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. (TN)

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. 

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 XXXXXXXX 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. 

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 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I refuse to accept your dismissal of my identity theft claim as an error or misrepresentation of material fact. Who granted you the authority to decide what qualifies as a material fact? You hold no position as a judge, jury, or any authority to make such determinations. Your actions are unwarranted and without merit. 

The Federal Trade Commission ( FTC ) clearly outlines that upon receiving an FTC identity theft report filed with a law enforcement agency, you are obligated to adhere to the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Consumer complaint received 2024-05-01
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. (IN)

XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. Section : It also states a consumer reporting agency can not furnish an 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 2024-05-01
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. (GA)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681 ( 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 the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) 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. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX
Consumer complaint received 2024-09-02
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-05-01
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. (CA)

When I reviewed my recent credit report, I have identified discrepancies that require immediate attention. Specifically, regarding the accounts below : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX. 

The company has acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.