davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
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. (CA)

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.
Consumer complaint received 2023-12-13
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. (GA)

On XX/XX/23 I wrote Experian o investigate hard inquiries on my credit report that are reporting with my consent or permission. I already contacted the companies and they said that I needed to get with the bureaus about them so that is what I have done. I never received a response back and the fraudulent inquiries still remain on my credit report. I need these off my credit report because I never gave those companies permission or my authorization to check my credit score and I never received any response back and the inquiries are still on there
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (VA)

Experian consumer credit reporting agency is intentionally trying to destroy my character. They are intentionally violating my rights. I have a right to decide what is reported on my credit report and what is not. 

Experian has a Notice ' statement on my credit report stating that they couldn't verified my social security administration number. Which is a false statement because I've sent them my actual card and its existence is true, registered and valid. CHECK! 

I don't like that statement being left on my credit profile and i never requested it to be placed. It's a negative connotation and It needs to be removed immediately. Or else I WILL SUE
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (MD)

According to the agency this is from a sent that is greater than 7 years old, and they bought a debt that was previously removed from my credit. 

This collections agency gave me no written notice of collection. When I reached out on XXXX, XXXX 2024 I formally requested a debt validation letter. 

I reached back out a week later and the employee wrongfully stated that they had 30 business days to respond and would get it to me when they got it to me. 

It has been greater than 30 days from my request of debt verification. 

This needs to be removed from any and all credit reporting agencies.
Consumer complaint received 2023-12-30
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. (MS)

My information was sold and bought illegally beyond was a victim of the XXXX data breach.I want these items Deleted from my credit reports effectively immediately.I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DIGITAL FEDERAL CREDIT UNION (MA)

Digital Federal Credit Union XXXX XXXX XXXX XXXX, MA XXXX Subject : Urgent Request for Resolution Regarding Unauthorized Credit Card Reporting Dear Sir/Madam, I am writing to express my deep concern and frustration regarding the continued reporting of a credit card account in my name by Digital Federal Credit Union , despite my repeated requests for its removal. 

Earlier this year in XXXX specifically, I mailed in an authorization notice, called, and even sent written communication requesting that this credit card be removed from my account ( See attached Request form from Back then ). I was assured by your representative that the credit reporting associated with this card would no longer reflect on my credit score. Unfortunately, despite these assurances, the issue has not been resolved. 

Recently, while applying for a loan, I discovered that this erroneous credit card is still being reported, which has adversely affected my credit score. This situation is not only causing unnecessary stress but is also damaging my financial standing. 

It is clear to me that the systems in place at Digital Federal Credit Union are failing to address this matter appropriately. As a result, I am escalating this issue through the Consumer Financial Protection Bureau ( CFPB ) to ensure that it receives the attention it deserves. 

I demand immediate action to correct this error and to remove any adverse information related to this unauthorized credit card from my credit report. Please provide me with written confirmation that this matter has been fully resolved and that my credit score will not be negatively impacted by this issue in the future. 

Thank you for your prompt attention to this critical matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. 
XXXX, TX XXXX XXXXXXXX XXXX XXXX {$1000.00} Date Opened ; XX/XX/year> This is not me ; I have no knowledge of this account. this is fraudulent and should not be on my credit report.
Consumer complaint received 2023-12-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: NAVY FEDERAL CREDIT UNION (IL)

XXXX ID # XXXX WAS IN CHARGE OF THE HELOC PROCESS SINCE XX/XX/XXXX WHICH INCLUDED 4+ HARD INQUIREY CREDIT REPORTS FOR BOTH ME AND MY WIFE SEPERATLEY . THIS PROCESS INCLUDED A MAJOR DROP IN MY WIFES CREDIT SCORE WHICH EVENTUALLY DISQUAILIFED HER FOR THE JOINT LOAN ON THIS ACCOUNT. THIS WHOLE PROCESS WAS UNEXCEPTABLE AND VERY UNPROFESSIONAL. I HAVE BEEN A MEMBER OF NAVY FEDERAL CREDIT UNION SINCE XXXX AND HAD SEVERAL LOANS WITH NO PROBLEM.
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (FL)

Dear Consumer Financial Protection Bureau ( CFPB ), I, XXXX XXXX, submit this complaint against Navy Federal Credit Union and its indenture Trustee, XXXX XXXX XXXX, XXXX, dated XX/XX/2023. The complaint includes, but is not limited to, allegations of unfair or deceptive trade practices, filing false insurance claims, deprivation of rights acting under color of law, and the unwarranted closure of my account ending in XXXX, claiming an " overdraft '' of {$54.00} without providing any proof of claim. 

Notably, within three days of this alleged overdraft, Navy Federal Credit Union filed an insurance claim with the XXXX XXXX XXXX XXXX ( XXXX ) and received proceeds for the maximum amount. Despite this, the financial institution is persistently attempting to collect the same proceeds it received from the XXXX insurance claim. Moreover, they have failed to cease and desist these collection efforts even after receiving notice to do so, constituting unfair or deceptive trade practices. 

I bring this matter to the attention of the CFPB and request a thorough investigation into the actions of Navy Federal Credit Union and its indenture Trustee. 

Thank you for your prompt attention to this matter. 

Best regards, XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Also, I was never disclosed of ALL three of my Opt-Out disclosures which states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party under 15 U.S. Code 6802 unless all three disclosures were satisfied but they were not.
Consumer complaint received 2024-02-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION (CA)

ON XX/XX/2022 SOMEONE PRESENTED TO NAVY FEDERAL CREDIT UNION A FORGED SIGNATURE ON A IRS TREASURY REFUND CHECK.DATED XX/XX/2022. 
HOW THEY GOT THE CHECK I DO NOT KNOW. I HAVE CONTACTED THE CREDIT UNION SEVERAL TIMES BY PHONE AND MAIL, BUT I HAVE RECEIVED NO RESPONSE FROM THEM. I WANT THEM TO CHECK THE ACCOUNT THE MONEY WENT INTO AND THE SIGNATURE OF THE PERSON WHO CASHED THE CHECK. IN ADDITION, FOR THEM TO MAKE RESTITUTION TO ME FOR THE FORGED CHECK. THE CHECK WAS IN THE AMOUNT OF {$610.00}. PLEASE SEE ATTACHED DOCUMENTS. 

I AM THE ADMINISTOR FOR THE DECEASED PERSON ON THE CHECK.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

by the law that requires that everything that I do not recognize be disputed and deleted if my credit report, therefore, I have already disputed these addresses that I do not recognize with the Experian agency and they have not yet resolved the problem of deleting addresses that I do not recognize and have not experienced either. in none of them, therefore these addresses are a subject of fraud. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
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. (DC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-04
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: DISCOVER BANK (IL)

There was a inquiry on my credit report for Discover Financial Services without my knowledge on XX/XX/23. 
An inquiry for Factual Data on XX/XX/23 without my knowledge. 
And an inquiry for XXXX XXXX  without my knowledge on XX/XX/23.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (SC)

Issue Description : Clarify the discrepancy regarding the reported late payments after the account was paid in full. 
Date of Last Activity : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Date Reported : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Last Payment : -, XX/XX/XXXX, XX/XX/XXXX High Balance : {$5100.00}, {$5100.00}, {$600.00} Payment Status : Collection/Chargeoff, Unknown, Collection/Charge Credit Report Status : Derogatory, Paid, Derogatory XXXX : Discrepancy in reported late payments and inaccuracies XXXX and XXXX : No reported payment history.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft and my information and my identity was used to make accounts and inquiries in my name Ive also made a police report and sent that to them also but they still have these accounts on my credit report which had effected my life can someone please help me.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$300.00} Balance ; {$1200.00} Opened : XX/XX/year> This is not me ; I have no knowledge of this account. this is fraudulent and should not be on my credit report.
Consumer complaint received 2023-12-13
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 (FL)

Transactions : {$1300.00} : XXXX XXXX XXXX XXXX XXXX$1500.00} : XXXX XXXX XXXX {$500.00} : XXXX XXXX XXXX Paid {$1300.00} deposit for moving agency to move my things that in contract states it will go towards the move. The moving agency used third party movers which was not explained to me. The movers were rude, late, and did not move all my items resulting in me having to dispose of my property. The movers told me I owed more for the move than what was initially agreed on which did not make sense because they left items. The mover had me sign a paper and stated I could pay once I resolved my issue with agent about discount for move. Once the moving agency received payment I rarely herd back from them in regards to anything I called for a week and there was no response or resolution. The second week the movers call me threatening to sell my property unless they received a payment. Their contract clearly stated no payment should be made if youre in a dispute process which I was. I explained and sent a picture of contract. The movers could care less. The movers were rude and when I would call would ignore it but send me a text. They argued with me through text after business hours. I was given XXXX to pay them XXXX dollars book a flight to XXXX, get a uhual and move my things myself, mind you XXXX in south Florida XXXX I asked about the XXXX going towards the XXXX and she said no although it states in the contract it does. At this point I was forced into paying the ransom in order to get my things. I paid XXXX for a move that did not happen and still had to pay for a flight, uhual and gas XXXX XXXX my stuff all the way down FL which was close to an additional XXXX. I understand that contract say non- refundable however the service was never completed so now it is considered fraud.
Consumer complaint received 2023-09-19
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. (MA)

Hello ; I trust everything is going smoothly. It has now been more than 30 days, and the creditor has neither updated the information nor provided any evidence or documentation concerning the reported late payment. They have yet to furnish this essential information, and it is imperative that they expeditiously remove the alleged late payments from my credit report. According to Federal Law, they were allotted a 30-day period to carry out the investigation, and their failure to do so necessitates the immediate deletion of the item from my credit report. This action should be taken without any further delay.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

FCRA 605B, as I understand it, requires the elimination of any inaccurate accounts from my credit report. Would you mind reviewing the documents? Some of the accounts listed are inaccurate in their reporting, including incorrect amounts and dates.
Consumer complaint received 2023-12-13
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. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 2024-04-18
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-04-26
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. (MD)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2017-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MA)

My home was given a auction date for XX/XX/2016. Nationstar was contacted and they told us we could still apply for making homes affordable. During this time my father was diagnosed with XXXX. We had to move closer to him. We collected all of our financials and sent in our paperwork to nationstar. I researched with making homes affordable and the rules say while in the process of making homes affordable the auction date stops until s decision gets made. I stayed in contacted with nationstar and is n't it convenient that after the auction date they claim we did n't get our paperwork in. But after fighting with them about they then admitted we got our paperwork in but we were missing 2 items. But instead of notifying us they just said sorry to late. Now we 've lost our home. Our mailing address had always been my fathers home in Massachusetts because that 's where we work. Nationstar has always sent all our correspondence there. Along with XXXX their attorney. We never received any paperwork telling us we could get our belongings out of our home. So now in XX/XX/XXXX we find out our home is for sale and all of our belongings are gone. Our hutch my father built us, our wedding videos. Our furniture. Our rocking chair from our shower. Everything. After contacting nationstar again and waiting 3 months for an answer they claim they sent us notification. We never received. At the mailing address we have always used. Is n't that convenient. So now they auction our home off and get rid of all our belongings.
Consumer complaint received 2023-12-13
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. (AZ)

I received my credit report last month and notice some discrepancies. In accordance with FCRA section 611 and sec 623 the above and below companies mentioned violated my consumer rights : The amount ( s ) owed are no longer outstanding for the following items Party Owed : XXXX XXXX XXXX AMOUNT : {$130.00} I did not authorized these inquiries UNAUTHORIZED INQUIRIES XXXX XXXX ( XXXX ) XXXX, 2023 XXXX XXXX ( XXXX  ) XXXX, 2023