davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: NAVY FEDERAL CREDIT UNION (VA)

I bought a house in XXXX and was approved for a credit card in XXXX. Both through Navy Federal Credit Union. I commissioned in the XXXX XXXX. Was approved for SCRA in XXXX. Last year, Navy Federal Credit Union sent me a letter stating that they were ending my SCRA on all accounts due to the end of my XXXX XXXX status. After contacting NFCU, I was told that I had to reapply. I reapply in XX/XX/XXXX. It is now XX/XX/XXXX and I am constantly told that I either need to send updated orders, my application is being reviewed or its with a writer. My interest rate on my credit card has increased above 16 %. Reading the CFPB site, it says that even after I am complete with XXXX XXXX status, the rate is not supposed to increase. I am currently still XXXX XXXX status and I have provided all orders stating this. I have also requested to speak to a supervisor on XXXX XXXX. It is now XXXX XX/XX/XXXX and no one has returned my call.
Consumer complaint received 2024-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of inquiry XX/XX/2023, XXXX Date of inquiry XX/XX/2023, XXXX XXXX  Date of inquiry XX/XX/2023, XXXX Date of inquiry XX/XX/2023, XXXX  Date of inquiry XX/XX/2023, XXXX  Date of inquiry XX/XX/2023, XXXX XXXX Date of inquiry XX/XX/2023, XXXX XXXX XXXX Date of inquiry XX/XX/2023, XXXX  Date of inquiry XX/XX/2023, XXXX  Date of inquiry XX/XX/2023, XXXX XXXX  Date of inquiry XX/XX/202XXXX XXXX XXXX Date of inquiry XX/XX/2023
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records.

Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-01-05
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)

XXXX XXXX XXXX XXXX : Account No. is XXXX ( {$5000.00} ) 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 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 2024-01-05
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: Experian Information Solutions Inc. (NV)

I just reviewed the copy of my credit reports and It seems that this is inaccurate and unauthorized inquiry reporting. 

Please see the attached PDF file on this complaint. I sent my dispute letter to the Bureau and still not getting any results
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus and my personal documents attached to it.
Consumer complaint received 2024-01-05
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 the course of reviewing my credit report, I spotted inaccurate and fraudulent account that need reporting and correction through your company. 

Please see the attached PDF file on this complaint. This is the letter I submitted to the involved Bureau and my personal documents attached to it.
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NV)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2015-06-22
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NC)

My mortgage was sold to Nationstar Mortgage LLC around 2 or 3 years ago. During this period, there were no issues with my account. In XXXX of 2015, I decided to make my payments directly from another account rather than have Nationstar draft payments from the old account. Not thinking, I did not update my payment options online in their system and consequently, the XXXX and XXXX payments were sent back because of NSF. I immediately reissued XXXX payments through Bill Payer bringing the account current. The payments for XXXX and XXXX were sent electronically through Bill Payer with no problem. When XXXX 's payment was sent in through Bill Payer, the payment was rejected and sent back to my bank as was XXXX 's payment. When I spoke to a customer service representative, I was told that for a 6-month period, all payments would be rejected unless they are in the form of a cashier 's check, a money order, or etc. I was not notified of this previously. As a consumer, it is apparent that Northstar is using tactics that will create additional fees for the company or even cause foreclosure. Consumers beware! XXXX XXXX
Consumer complaint received 2024-07-04
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

My name is XXXX XXXX, this complaint us not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company without my authorization from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services or money ; and was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and under 15 U.S. Code 1681b Permissible Purposes of consumer reports I never gave any written consent to report anything on my consumer report. No consent is XXXX. 


NISSAN MOTOR ACCEPTANC XX/XX/year>XXXX XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (MS)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number XXXX # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2024-06-23
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

ON XX/XX/XXXX my XXXX XXXX XXXX  was repossessed by the request of Citizens Bank by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX The second company contracted was XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The vehicle repossession was illegal according to 15 USC 1692E and 15 USC 1692F statues. The second company XXXX XXXX XXXX just called and harassed me on a regular basis threatening to take my vehicle. I would also like to file claims of identity theft against all three companies according to 15 USC 6802 ( b ) ( 1 ) ( b ) and 15 USC 6801 statues. Both XXXX  companies listed received my all my personal information without my written consent. Citizens Bank has exposed all my sensitive personal information to recovery companies and their employees that can potentially be used in an fraudulent manner to cause harm to myself and family.
Consumer complaint received 2018-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (NJ)

I applied for XXXX XXXX XXXX XXXX. I was approved and denied financial aid. I was told to pick my classes and apply for loan. I ask them to look into my aid. After I attempt to get my book for the classes .To be told I had to buy the book out of pocket. I drop all the classes. To later get a bill and month later a bill from the collection company. I called Financial aid who agreed my aid was process wrong understood while I drop the classes. Advised me to all the student advisor to help me look into the debt
Consumer complaint received 2019-05-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MO)

On XX/XX/19 I received a call from an individual whose son I was in a relationship with stating that XXXX XXXX from Navient contacted her stating that I put her down as a reference and he was trying to reach me. The individual was upset be the call as she is not a blood relative of mine and does not have contact with me regularly. She tried to track me down. Once she reached me she provided me the name of XXXX XXXX and stated that he gave her a call back number of XXXX. I tried contacting this number at the line just goes busy and sometimes it says the number is not in service. The individual stated that the number on her caller I.D . is XXXX. I contacted that number as well and the same thing occurred. I " XXXX '' the number and it said that it was reported as a Scam. I also believe this to be a scam as I suspect that a known company like Navient would not result to seedy collection practice such as calling random individuals and lying to them about the contents of my loan documents. To my knowledge my loan is in forbearance. This individual was very upset. XXXX XXXX lied to the individual and stated that I put her down as a reference when I in fact had not even dated her son until after law school and didn't even know her is then. She just had a XXXX XXXX and spent weeks in the hospital. She was stressed, alarmed and very upset by XXXX XXXX 's call. Lying and being deceptive in debt collection is is illegal and what about my rights to privacy. The fact that he identified himself as being from Navient, although I suspect that he was not and was just some kind of a scammer, violates my rights. This lady may not be my mother but she is someone's mother. If her pressure had dropped or spiked and she went into another XXXX XXXX just because she answered her own phone and was lied to by a scammer. What would the recourse be? She is learning to just to read, write and feed herself now. She can't even drive anymore and it should not be okay for a debt collect or " scammer '' as I believe to put her through this. She didn't want me to say anything but I think this is terrible.
Consumer complaint received 2024-09-01
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Control, LLC (CA)

Received word they called a family member in XXXX. I filed a complaint but it was with the wrong company - I now see this is the company responsible. 

Now have received they have made ANOTHER call, giving out personal information to another family member. this is egregious and absolutely ridiculous. none of the people contacted are in any way associated with my accounts and this sharing of my personal info puts me at risk. Disgusting tactics.
Consumer complaint received 2024-05-15
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. (NJ)

I assert that by law, the transactions referenced in my consumer report were not made by me. I categorically deny providing written consent to the companies involved to report or furnish any information pertaining to these transactions on my consumer report. It is my legal right to ensure the accuracy and integrity of my consumer report, and I request that the appropriate actions be taken to rectify this matter promptly.
Consumer complaint received 2017-01-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (IL)

My XXXX son has a not so new cell phone. Apparently the person who previously had that cell phone number owes money to someone. Today, a third debt collector called my son 's phone in an attempt to collect the prior person 's debt. We have informed both prior debt collectors that the phone number they were calling is that of a minor. While that may have stopped that debt collector, that had not stopped debt collections directed at my son, who is not the debtor, and who it is illegal for the debt collectors to call. 

The issue that I think the CFPB needs to address is how to stop this marry-go-round of illegal activity. There does not appear to be any duty of the debt collector to report to the creditor that the phone number associated with the account is bad. Likewise, there is nothing to prevent the creditor from asking a new debt collector from making an improper phone call to a minor to collect a debt the minor does not owe. 

In addition, as with happened with prior debt collectors calling my son, it is not so easy to get them to stop. When I told the agent that they had called the wrong person and had called a minor 's cell phone, she told me that they would take his number out of their system within two or three days. When I objected, I was connected to a supervisor who agreed to stop them from calling that number immediately. 

I then asked the supervisor to please send a letter of apology to my son. My thought is that after someone violates a federal law, the least they could do is appologize. The manager said he would say he was sorry on the phone to my son, but he refused to send a letter of applogy. 

One last thing, we live in XXXX, which requires that debt collectors have a special business license. While this debt collector claims to be located in XXXX, they used a XXXX telephone number to contact my son, and appear to be transacting business in XXXX. The supervisor informed me that his company does not hold the appropriate XXXX business license. As such, It think they should also be reprimanded for doing business in areas they are not licensed to act.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-09-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MO)

I use Venmo for the usual things sending money back and forth between friends, my son had actually been trying to raise money for his trip to XXXX XXXX XXXX in XXXX XXXX for XXXX XXXX and friends had donated money for him to go. Venmo kept it and still has it, luckily we were able to raise enough locally to allow him the chance for this XXXX year old boy to fulfill his dream still but they have still stolen his money raised. Making up a lie without proof of anything and refused to provide any proof saying they don't have to. Multiple threads online prove that this company does this often without reason and should be held accountable. 

XXXX XXXX XXXX Thank you for contacting us. 

After reviewing your account, we have determined that it is not eligible for reactivation due to concerns regarding your activity. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community. 

If you are reaching out to inquire about a remaining balance in your account, please know that the funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 

Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 

Thank you for your understanding. 

Team Venmo
Consumer complaint received 2024-08-19
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate