davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-06
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)

XXXX, Experian, and XXXX have continued to furnish and disclose reports in violation of law. the are violating the scope and purpose of the FCRA and undermining banking while violating my right to privacy. The FTC identifies identity theft as using personal or financial information without permission. i have never given permission to these agencies to furnish, collect, or disclose my information. they continue to make money from federal crime. this is against federal and state law and also a violation of public policy. they are violating the universal declaration of human rights and in accordance with the us constitution i expect my XXXX amendment rights to be protected. i authorize the cfpb ftc sec irs to do everything in there power to cease these actions not only for me but for the posterity of the nation. my complaints have been ignored. they are using heasay evidence as information and ignoring those with first hand knowledge. this is a violation of title XXXX and basic principles. continue to bring claims into judiciary illegally and they must be stopped. They have violated the core principles of our society and caused unjust enrichment to those destabilizing the nation. this is treason. the have violated glba, fcra, fdcpa all privacy rights and multitudes of state laws They are creating a monopoly on peoples private information financial information and property this is unacceptable. all avenues will be pursued from here forth. I will not hesitate to use every law and oath of office to see injuction in this matter. They have been sued time and time again yet continue bad faith deceptive practice and illegal disclosure of private information. all inquries without express permission and my signature must be removed. all negative accounts must be removed.
Consumer complaint received 2024-01-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (CA)

I paid off a loan with VW Credit for a XXXX VW XXXX on XXXX XX/XX/XXXX. In XX/XX/XXXX, VW Credit sent me a lien release for the state of California. The state of California does not hold the title to my vehicle ; Alabama does. I purchased the vehicle while stationed at XXXX XXXX ( now XXXX ), Alabama in XXXX. I am currently stationed at XXXX XXXX, CA. 
VW Credit, through multiple phone calls, has told me they are unaware of who currently has my title ; I was told in late XXXX that the state of California had the title ( they do not ), and on XXXX XX/XX/XXXX that the state of Alabama had the title. On XXXX XX/XX/XXXX, I was told that the title department could not locate my title. 

I am due to be stationed overseas in the coming months, and require my vehicle title in order to bring our vehicle under XXXX agreements to XXXX. 

Any assistance that the CFPB could provide to allow me to take possession of the clean title that I should have received in XXXX would be appreciated.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Verisk Analytics Inc (TX)

I understand that it is my right to obtain a copy of my XXXX XXXX XXXX report, under the Fair Credit Reporting Act.I am requesting a copy of my XXXX XXXX XXXX report sent to me via mail.
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/XXXX I applied for a loan with a company called XXXX whom identifies themself as a division of XXXX. Over the course of several phone calls and emails we agreed on the details of the loan and one of the last steps was to verify my banking information. The fraudulent company ( XXXX ), sent over a link and stated they would make a small deposit and it would be pulled back to verify my Navy Federal account the funds were to be deposited in. The temporary deposit takes place but on a larger scale. The individual at XXXX says they deposited {$1700.00} and cant pull it back. They go on to state that it needs to be transferred to an account within Navy Federal under the name XXXX XXXX and provide the banking information, which I have no clue who this individual is. I was thinking the funds arent mine so Ill follow through with the instructions and continue to do so. Once I sent the funds I then notice NavY Federal has sent me a few emails about disputing payments to merchants resulting in temporary credits to my account. These temporary credits total the same amount that XXXX said they deposited. Considering I never initiated they payment disputes, I called Navy Federal right away and explained that I had just been the victim of fraud and the {$1700.00} I just transferred needed to be reversed and the temporary credits reversed as well. The amount of time between funds being sent to the fraudulent account to the time I notified Navy Federal were no more than 5 minutes a part!. During that call to Navy Federal on XX/XX/XXXX a fraud claim was opened. On XX/XX/XXXX my initial fraud claim was closed and I did not receive notification until XX/XX/XXXX and was told I benefited from the fraudulent activity and that was the reason for denial! On XX/XX/XXXX I submitted an appeal request along with documentation provided to me from XXXX displaying their claim of being attached to XXXX and membership with the XXXX and CFPB! On XX/XX/XXXX I receive a call from NFCU to try to obtain payment on negative accounts and past due loans. I explain that on XX/XX/XXXX I received a military XXXX check and on XX/XX/XXXX it was taken to cover the negative account that I have a fraud appeal on. She tells me the fraud appeal was completed on the XX/XX/XXXX and states that Im responsible for the fraudulent funds that were taken!
Consumer complaint received 2022-11-21
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: Experian Information Solutions Inc. (PA)

In accordance to the Fair credit reporting act. the following creditors has violated my rights15 USC1681. section 602 states I have the right to privacy. 15 USC 1681 section 604 a section states that a consumer reporting agency can not furnish any account without my written instruction to consent, nUnder 15 USC1666b a creditor may not treat a late as late for any purpose payment on an account XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XX/XX/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 XXXXXX/XX/XXXX Ive sent numerous of certified letters to agencies asking of removal of all inaccurate information according to 15 USC 1681, USC151681sec 604, 15 USC 1666b.
Consumer complaint received 2024-01-10
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: NAVY FEDERAL CREDIT UNION (MS)

I notice these unauthorized accounts and I have not authorize any of the following to pull my credit and I would like them deleted. 

XXXX. Navy Federal Credit UnionXXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union (CA)

I opened an account with First Tech Credit Union a week ago, the only transactions on the account have been from my other bank account with my name on it. Today I received a message they have locked and froze all my accounts with them due to fraud! Literally the only transactions associated with this account have been from another account at one of the largest banks in the world in my name.
Consumer complaint received 2024-01-06
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)

I believe Experian is subjecting me to personal animus in their reporting of my FICO Score. As of today 's date my scores are as follows : XXXX XXXX XXXX ; XXXX XXXX, Experian XXXX. Experian has not changed my score for months and are reporting me XXXX and XXXX points lower. The others change scores routinely, Experian has not updated for months. How can I defend myself from personal animus displayed by this agency?
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

On XX/XX/XXXX I mailed a request to XXXX XXXX XXXX XXXX requesting information regarding this account. I never got a response. So on XX/XX/year> I submitted a complaint against XXXX XXXX XXXX XXXX stating that I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX they did not provide me with the original contract as I requested. I have requested the original contract twice and it was NOT provided to me. They removed the account but then somehow sold it between the XXXX of XXXX to a new company Named XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX, I am not liable for this debt with XXXX they did not provide me with the original contract as I requested. I asked that these accounts be removed. I sent attachments below
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

Consumer report agencies have assumed a vital role in the reporting of consumer information and have a duty to report information with maximum accuracy. The information on file is is incomplete, inaccurate and erroneous and is prohibited from being reported by law. I was sent several letters saying the accounts were verified as accurate and the information was still not verified.
Consumer complaint received 2023-03-20
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX B XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (OR)

[ Note : I'll upload a XXXX of this in case the formatting gets lost. ] Chase is in breach of contract for ignoring many requests over the past few months for a {$250.00} reimbursement for my XXXX arbitration fee. The details are as follows : XXXX. Around XXXX, XXXX requested a {$250.00} reimbursement for my XXXX arbitration case via Chases XXXX XXXX. I quoted the relevant part of Chases Cardmember Agreement in support of my request. 


XXXX. On XX/XX/XXXX I sent another message through the online portal stating it has been over XXXX weeks since I requested a reimbursement. 


XXXX. On XX/XX/XXXX I sent a third request for a reimbursement. 


XXXX. In my mail correspondence with Chases XXXX department, which they received and signed for on XX/XX/XXXX, I informed them that I will be assessing a {$100.00} late fee per day for each day they fail to reimburse my {$250.00} XXXX arbitration fee, including holidays and weekends. 


XXXX. Chases XXXX department did not respond. 


XXXX. On XX/XX/XXXX I sent a fourth message through the online portal stating it has been over 3 months since I first requested a {$250.00} reimbursement for the XXXX arbitration fee. 


XXXX. I included the following statements in my online portal message : Additionally, I mailed some documents to your legal department, which were directly related to the open arbitration case. In my correspondence, I informed your XXXX department that for each day Chase withholds my reimbursement, I will bill you an additional {$100.00} per day ( including holidays and weekends ). 

Your legal department received and signed for this parcel on XX/XX/XXXX. 

Chase currently owes me {$250.00} plus {$800.00} in late fees and a {$300.00} administration fee. For a total of {$1300.00}. 

XXXX. I received an automated response stating someone would get back to me within XXXX business days. 


XXXX. Today is the XXXX business day, allowing for a complete XXXX business days between the day I sent it and today. 


XXXX. Chase did not respond. 


XXXX. To date, Chase currently owes me a {$250.00} reimbursement plus {$1300.00} in late fees plus a {$300.00} administrative fee. For a total of {$1800.00}. 


Without prejudice, XXXX : XXXX, beneficiary
Consumer complaint received 2024-01-06
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. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. Thank you.
Consumer complaint received 2024-01-06
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)

Source : Experian Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX TX XXXX Experian is in violation of the FCRA and XXXX for failing to investigate and delete or corrected the above disputed item. A dispute was open via Experian.com and via certified mail asking Experian to conduct an investigation and delete or correct the items above. Experian did not conduct an investigate, deletion or correction for the dispute above.
Consumer complaint received 2023-08-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. Account # 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 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

On XX/XX/XXXX service finance sent an eoscar report informing experian that the account in question was closed XXXX XXXX The account was updated to reflect the account was paid XX/XX/XXXX I have since then filed a XXXX  complaint ID XXXX XXXX XXXX of the XXXX  has conducted a research with XXXX XXXX I have attached a copy of the eoscar report indicating on page 4 the account Was closed on XX/XX/XXXX XXXX
Consumer complaint received 2024-01-06
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. (GA)

Pursuant to 15 USC 6802 ( C ) - ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX the consumer was not given an explanation of how the consumer can exercise that nondisclosure option to opt out of disclosing information to third party non affiliates which is a violation of this law. Your credit bureau is a non affiliate third party and I am opting out of reporting of the accounts below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
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. (AL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/2023 report says late fee over 90days. Account is paid off.

Tried resolving this with the bank about late fees and the amount of time Ive called to have them work with me and still giving me late fees on my report.

The account is closed and paid for in full.
Consumer complaint received 2024-01-06
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. (NY)

There is collection & derogatory also unauthorized inquiry in my credit report. I contacted Experian, XXXX, XXXX, about the matter I asked for any proof that I initiated any inquiries they have yet to give me anything. Ive had identity theft in pass so I mentioned it can be from that as well. The things are out dated starting from XXXX. These things are causing hardships in my life Im unable to obtain credit and having trouble with getting apartment. Please help
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX is reporting on my credit profile for the name of XXXX XXXX who is not me. My name is XXXX XXXX, I have not gone by any other names. I am a victim of identity theft and ask that you guys please remove it from my profile
Consumer complaint received 2024-01-11
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/2024 I received a " Card Approval Notification '' e-mail and then a " Fraudulent Email Alert '' e-mail from Synchrony Bank the Credit Card company for my Sam 's Credit Card. Apparently, someone was able to get online and change my Home Address and Phone Number in that account. Then they were able to get a card sent to them and used it after activating it the same day. I called Synchrony Bank to get this resolved and they had to verify my identity using some phone app because the thieves had replaced my home address and phone number with theirs. Upon, trying to make this app work I had to take pic of my GA Drivers Lic. The front one worked fine but when I was taking the back one I tried XXXX times and even had my wife verify I was doing it correctly the last XXXX times and it rejected my image. So, I have to wait XXXX biz days to get a code to verify myself only problem is they never asked me for my actual mailing address so they will be sending that code to the actual thieves. I asked HOW this could have happened? How did someone hack my account and change that information? I received NO answer and now I am looking at trying to fix this.
Consumer complaint received 2024-01-06
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. (GA)

Ordered from XXXX on XXXX with payment plan through XXXX. 
All items were returned. 
XXXX did not resolve pending returns with XXXX, account status showed a remaining balance. 
XXXX confirmed the remaining balance was less than what XXXX showed. 
Paid remaining balance once XXXX and XXXX settled the dispute and confirmed all items were returned. XXXX provided documentation of proof ; responsible for repayment was false and account was paid in full. While the disput was being settled between XXXX and XXXX about the returned products, XXXX falsely reported late payments to my credit report showing as a negative. Provided proof to Experian and they still did not correct or remove the false reporting.
Consumer complaint received 2023-12-07
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any account which is found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, this account being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The account that you must remove is listed below : XXXX XXXX