davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-05
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: NAVY FEDERAL CREDIT UNION (AZ)

I am writing to formally lodge a complaint against Navy Federal Credit Union regarding the repossession of my XXXX XXXX XXXX in XX/XX/XXXX. This repossession, which occurred without proper legal grounds and in violation of constitutional and statutory rights, demands immediate attention and resolution. 

According to the 4th and 5th Amendments of the United States Constitution, the repossession of my vehicle was conducted unlawfully, infringing upon my rights to due process and protection against unreasonable seizure. Furthermore, I am invoking 15 USC 1681a ( d ) ( 1 ) and 15 USC 1692a ( 6 ) to establish Navy Federal Credit Union 's role as a debt collector and its partnership with an unidentified towing company, implicating them in violations of federal laws governing debt collection practices. 

The repossession carried out by Navy Federal Credit Union and its undisclosed towing partner was in direct contradiction to the established legal framework, disregarding the rights afforded to me as a consumer and violating federal statutes governing fair debt collection practices. 

I demand an immediate investigation into this matter, a reversal of the repossession, and a comprehensive review of Navy Federal Credit Union 's policies and procedures concerning debt collection to ensure compliance with federal laws. 

Moreover, I request a prompt response outlining the steps being taken to rectify this situation and restore my rights as a consumer. Failure to address this issue in a timely and satisfactory manner may necessitate further legal action to uphold my rights and seek appropriate remedies. 

I anticipate a swift and satisfactory resolution to this matter.
Consumer complaint received 2024-04-02
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)

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 : 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 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 and 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. 

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 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$720.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX XXXX Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Consumer complaint received 2024-04-02
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2023-06-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MO)

On XX/XX/2023, I was contacted by phone by a person claiming to be a detective from XXXX Mo. Police Dept. He told me that if I didn't wire XXXX to XXXX XXXX acct number XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX that he was going to come arrest me. I was pressured by repeated calls. I went and wired it and then figured out it was a fraud. I called the bank back within 2 hours and told them to stop the transaction. The representative told me it had been done and the money would be back in my account in a couple days. I waited and called back in 2 days and was told the rep error and did not stop the transaction. They then stated they would file a claim and request the money back. This occurred on XX/XX/2023. They then responded that the bank stated there were no funds available.
Consumer complaint received 2023-12-05
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. (FL)

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT, and I include it again. Kindly correct or delete the following accounts :
Consumer complaint received 2023-12-06
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. (NC)

On XX/XX/XXXX, I contacted Experian to dispute multiple unauthorized inquiries on my credit report. I was notified that the system would not allow them to dispute it because it was a mortgage inquiry.

Per the Fair Credit Reporting Act Law 15 U.S.C. 1681-1681x, all unauthorized and unverified inquiries should be removed from my report. 

Experian 's systems should be updated per the Fair Credit Reporting Act, as it does not say that there is an exemption for mortgage inquiries. ALL unauthorized inquiries are to be removed. Very disappointed in Experian 's service!
Consumer complaint received 2023-11-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: BMO Bank, N.A. (OR)

This is follow up to complaint XXXX which I have previously indicated the company response was insufficient. 
Due to BMO taking TWO Payments in XXXX, there is now insufficient funds in my account for the XXXX payment of approximately XXXX. There is a XXXX external transfer pending of XXXX, the request was initiated automatically through BMO on line banking ( as it is every month ) on XX/XX/XXXX. As I indicated in my last complaint : 1 ) why does it take up to three business days to transfer and credit funds and 2 ) this is a scam to charge late fees. Due to the fact that my incoming transfer will not arrive in time, I am afraid BMO will use this as an excuse to charge me an Overdraft fee or late fee or BOTH. 

Once again I turn to the issue of security questions. I supplied my loan number, social security number, zip code, property address and phone number. The last question was 'what is the term of the loan '. I answered 'a 15 year HELOC ' which XXXX found to be unacceptable. He wanted to know the remaining term based on the account opening. WHO IN THE BLOODY XXXX KNOWS THAT? Again I must say that these questions are onerous, offensive and designed to prevent inquiries being made on accounts. I informed XXXX XXXX we just got off the phone ) that his questions were overbearing. He told me I would have to call back later ( which would accomplish what? ) or go visit a branch. It so happens I am not near a branch and they would probably ask the same questions, so again I ask-to what end would that accomplish? 
I find this entire affair with BMO to be completely frustrating and the lack of cooperation from the BMO side is AMAZING!!!!!!!
Consumer complaint received 2023-07-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I have sent several letters and my FTC report, and the company has still not responded. 
on XX/XX/23 i mailed my dispute letter, on XX/XX/23 i mailed my 609 letters with for me with all the information requested for me, on XX/XX/23 i sent my FTC report and still no response, i requested proof of the allege accounts belonging to me, i haven't received a response. On XX/XX/23 i sent another 609 letter.
Consumer complaint received 2024-04-02
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)

On or about XX/XX/XXXX, I submitted a complaint regarding XXXX. The complaint was addressed, and XXXX stated that they located and removed the following records from my credit report : XXXX and XXXX. XXXX also submitted a dispute to both Experian and XXXX on my behalf. However, after multiple calls to Experian, and XXXX - I was told that no such dispute was received or could not be located. 

I have sent every letter received from XXXX to both Experian and XXXX. I am not sure why XXXX has decided to change how I am addressed in each as this could be the reason why both entities are claim they are unable to locate disputes. 

XXXX claims they are getting this information directly from the courts. Please see the attached letter from the courts, dated XXXX, XXXX, XXXX stating that the Trustee does not report to credit agencies.
Consumer complaint received 2023-09-02
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. (GA)

My name is XXXX XXXX this complaint is 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 reports no consent is fraud.
Consumer complaint received 2023-04-24
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: Experian Information Solutions Inc. (LA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-26
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. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

Experian management or employee working on this case need to be fired How hard is it to pick up the telephone and calls the Department of education how hard is it to get up off your tail call the department of education today I will not comply with any mail sent in the mail. I will not respond to any mail sent in the mail, the law dont require me to the law requires me to file XXXX dispute remove all student loans I have XXXX student loans XXXX student loans what part of XXXX do you not understand I have XXXX student loans Call the department of education right now
Consumer complaint received 2023-12-06
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)

In accordance with the Fair Credit Reporting and XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX a 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 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 2024-04-02
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. (MD)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-09-26
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. (FL)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (OH)

I entered in a Consumer transaction with American Express... I applied for the American Express XXXX XXXX... and was Denied. I was the one who initiated the credit.They use my Card card ( My Social security number )... Illegally ... accord To federal law, and it discriminatory. Please refer to the attached letter explaining my position. I sent this letter.. notarized ... and by Certified mail!
Consumer complaint received 2024-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (TX)

I have set up direct deposit two times online since forbearance was taken away. My account keeps saying I owe no payments. I keep calling and I can not get a hold of someone. 

No intrest in accruing. I'd like to start my payments, but it won't allow me.
Consumer complaint received 2023-12-06
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)

I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit reports that were not open by me. These transactions do not relate to me as the consumer block and remove 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 2024-04-02
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. (MS)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me substantial distress. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention to and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-02-11
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: REGIONS FINANCIAL CORPORATION (FL)

On XX/XX/XXXX they charge me XXXX overdraft fee. On XX/XX/XXXX they charge me an overdraft fee of XXXX and XXXX. When I called to ask questions, no one can answer me. This is an ongoing process since XXXX
Consumer complaint received 2023-07-04
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)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-26
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. (FL)

The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. I need the listed account to be corrected from my file right away XXXX XXXX Balance Owed : {$1900.00}.