davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/XXXX, I applied for a car loan at Navy Federal Credit Union. I'm an XXXX XXXX XXXX XXXX and have been a member of the credit union since XXXX. I decided to apply for a used car loan based on the advertised rate for a 72-month loan which was 6.09 %. Navy Federal approved my loan with an interest rate considerably higher than the advertised rate. The rate that I was approved for was 8.09 %. Please note that the car I'm purchasing is a XXXX XXXX XXXX, with XXXX miles. The dealer invoice for the car, including taxes and fees totaled {$32000.00}, with my total downpayment of {$10000.00}, leaving a loan amount of {$22000.00}. In sum, I was surprised that Navy 's rate was much higher than the rate I received from a smaller credit union located within the DC market. According to a letter that I received from Navy Federal on XX/XX/XXXX, my XXXX XXXX XXXX XXXX is XXXX ; I have no delinquent or derogatory credit.
Consumer complaint received 2023-12-15
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. (MO)

These are all unauthorized and unknown inquires on my consumer credit and to my knowledge according to the FCRA legally these unverified & unauthorized items must be removed. FTC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-15
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)

Per the FCRA as a Federally Protected Consumer I am now Opting Out of Any and All Authorization I the Consumer may have given said ( CEO 's ) and ( CFO 's ) Written/Unwritten, Verbal and Non-verbal 15 USC 6802-6805 , Privacy Act 1974. 

Amounts listed in uploaded documents.
Consumer complaint received 2023-12-07
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. (OH)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-12-15
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: Experian Information Solutions Inc. (TX)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-12-15
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)

I sent a letter to XXXX XXXX 2 months ago requesting that the following account be removed from my credit report due to incorrect reporting. Per my dispute letter sent XX/XX/XXXX, under 15 U.S. Code 1681b Permissible purposes of consumer reports, I XXXX XXXX, never gave you any written consent to report anything on my consumer report. I also sent a letter dated XX/XX/XXXX informing you that the account is reporting inaccurately. You are furnishing different dates for the open date, date last updated, and different high balances. I am fully aware that this is a violation of the FCRA, and I am liable for monetary compensation. I am requesting that the account XXXX is removed from my credit report immediately. Please see the attached dispute letter that is dated, and time stamped for your reference. Failure to address this matter promptly will leave me with no choice but to pursue legal action, filing a statement of claim against XXXX XXXX for clear and apparent negligence, FCRA violations, and the mental anguish caused by the serious financial problems and distress resulting from these inaccuracies.
Consumer complaint received 2023-12-15
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. (PA)

Experian is in clear violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports states ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give Experian my written, nor verbal consent to furnish my consumer report. This is unlawful. This is also against consumer laws I demand that Experian remove these accounts below immediately or I will take legal action Experian has also violated my right to privacy. Experian is in violation.of code 15 U.S. Code 6802 - Obligations with respect to disclosures of personal states ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form I did not give Experian any permission to report this information below to my consumer report nor did I give the companies below permission to report this information. This is illegal and I will take legal action if these accounts does not get removed I demand that Experian shows me proof that they have the right to report this information below XXXX account # XXXX XXXX  Account # XXXX XXXX  XXXX  account # XXXX
Consumer complaint received 2023-12-15
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. (VA)

I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX  Account name, XXXX XXXXXXXX XXXX, Acct # 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 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

This account is reporting as a collection on my report despite not having a consistent and reliable historical data at all. This is inaccurate reporting. It is clear and evident that this account was just plopped on my account by Experian.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

There are inaccuracies in my credit report, such as incorrect addresses. It's essential to swiftly correct this fraudulent information. Having experienced such issues before, I am diligently working to ensure the accuracy of my reported data. Despite my persistent efforts, I have not received a satisfactory response from the responsible organizations responsible for providing accurate and lawful information. Consequently, I am reaching out for assistance from a higher authority. Your prompt attention to this matter is highly appreciated. ''
Consumer complaint received 2023-12-16
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. (NV)

I just got my report and I think it's wrong! 
I was told that I have the right to have an investigation carried out. Credit reporting laws ensure that agencies report only 100 % accurate credit information. must be taken every step to ensure that the information reported is completely accurate and correct. Therefore, it is necessary to re-investigate the following information. Please. make sure everything on my credit report is correct and accurate, as these unknown negative accounts are not reported to me by other credit bureaus like XXXX and XXXX and therefore should be removed from my credit report. 

I have also already made a report with the CFPB Agency demanding that they verify these amounts and remove them from my credit history. 

I demand that these accounts be removed immediately or I will request ligation due to the stress it caused me. My information was also affected by the XXXX data breach and may have fallen into the hands of the wrong person, make sure that all the disputed elements below have my legitimate signature, my documents verified and authenticated with my perfect signature. 

below are the accounts you should delete. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sincerely. 

XXXX XXXX XXXX
Consumer complaint received 2023-12-16
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)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-12-16
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. (FL)

Someone stole my ID and social security number and used it without my consent and knowledge. The person also received an XXXX XXXXXXXX XXXX  credit card in my name. I am writing to request and initiate a formal complaint against XXXX, XXXX, and Experian CRA & XXXX XXXX XXXX XXXX XXXX XXXX I mailed XXXX, XXXX, and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Navient Solutions, LLC. (AZ)

In XXXX I took XXXX loans with Navient so that my daughter could go to college, I paid these loans for 17 years finished paying all XXXX loans in XXXX, and despite that they have this information right on their web site they are trying to get paid again!! This is fraud the have loans that just opened in XXXX my daughter is XXXX XXXX XXXX, and I as a single mother paid all my Navient bills as can be seen in the attached Navient screen shots. I also have a copy of all my payments!
Consumer complaint received 2023-12-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: NAVY FEDERAL CREDIT UNION (FL)

I began a home loan application with Navy Federal Credit Union ( NFCU ) on XX/XX/2023. I was already pre-approved, and had received conditional approval from their underwriting department. In order to move forward with final approval, NFCU needed proof of an insurance policy, home appraisal, and to conduct a final review of all the documents. Per my contract, NFCU needed to provide me with a final answer about financing by XX/XX/XXXX. 

Both the insurance policy and appraisal report were submitted to NFCU on XX/XX/XXXX and our file was sent to underwriting for a final review. We were told underwriting generally takes XXXX to respond. 

On XX/XX/XXXX I received and signed the closing disclosure documents and was even told there would be no problem closing earlier than our contract stipulated. 

Since then, NFCU has been unable to provide us with a final answer about financing. They have continued to ask for information that was previously submitted to be submitted again, asked for these documents one document at a time, and waited XXXX to give a response to only request more documentation they already had. We consistently wait XXXX to hear back despite providing all documentation the same day it was requested. 

Per my contract with the seller, NFCU must provide an answer about financing by XX/XX/XXXX. According to my last conversation with our loan officer, NFCU " hopes '' to have a better answer for us by XX/XX/XXXX. This date will fail to meet the deadlines stipulated in the contract, and unless the seller is willing to grant an extension, I will lose my escrow deposit and possibly the house. 

Despite asking for an expedited review from underwriting, asking that they request all additional documentation at one time, and reminding them of the dates required by the contract, NFCU has refused to move the process along or provide a reasoning for why underwriting has been unable able to grant final approval.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear TransUnion What happened to sending my updated results with a reasonable time frame of 30 days? I am referencing the accounts listed below : XXXX XXXX : Account number : XXXX, The account type detail has another name. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXX : Account number : XXXX, The account type detail has another name. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXX : Account number : XXXX, The account type detail has another name. I need this fixed ASAP. 30 days should be enough. 

What happened? 30 days has come and gone because of this, you must delete the items in questions as they are not correct anyway. Your failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that you only have 20 or 30 days to investigate this matter? 40 days has past and nothing from your company. Delete the accounts listed below or I will have to exercise my rights and file complaints with the XXXX, Attorney Generals Office, and the CFPB. 

I take my credit seriously and I hope your company does also. Please do not delay with sending me updated credit reports with deleted information. 

Take care. 

CC : FTC, XXXX, CFPB
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to bring to your attention an issue regarding unauthorized hard inquiries on my Equifax and XXXX credit reports dated XX/XX/year>. These inquiries indicate an attempt to open an account in my name, which I did not authorize or initiate. 

While I do currently hold a XXXX  XXXX account, I wish to clarify that I am not disputing the existence of this account. However, I must emphasize that the hard inquiries on my credit reports are unauthorized and have resulted in significant distress and disruption to my financial affairs. 

I recently became aware that I am a victim of identity theft, and I have taken immediate steps to address this matter. Enclosed with this letter, you will find a copy of the police report documenting the identity theft incident. 

I kindly request that XXXX XXXX takes swift action to investigate and rectify this situation. Specifically, I ask that you contact both Equifax and XXXX credit reporting agencies to request the removal of the unauthorized hard inquiries from my credit reports. These inquiries are adversely affecting my credit score and financial well-being, and their removal is essential to restoring the integrity of my credit profile. 

I trust that XXXX XXXX will handle this matter with the utmost urgency and professionalism. Your cooperation in resolving this issue promptly will be greatly appreciated.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (GA)

I am writing to bring to your attention an issue regarding the completeness of the information on my consumer report. 
After reviewing my credit report, I noticed that in reference to my account : - XXXX XXXX XXXX XXXXXXXX my credit limit is being omitted, which is a direct violation of federal law under 15 USC 1611 .

15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.

According to 15 USC 2069, each day that this omission of my credit limit was furnished to my consumer report shall constitute a separate offense, constituting a separate fine ( of {$5000.00} according to 15 U.S. Code 1611 ) for each day. 

15 U.S. Code 2069- Civil penalties ( a ) Amount of penalty ( 1 ) Any person who knowingly violates section 2068 of this title shall be subject to a civil penalty not to exceed {$100000.00} for each such violation. Subject to paragraph ( 2 ), a violation of section 2068 ( a ) ( 1 ), ( 2 ), ( 4 ), ( 5 ), ( 6 ), ( 7 ), ( 8 ), ( 9 ), ( 10 ), or ( 11 ) of this title shall constitute a separate offense with respect to each consumer product involved, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations. A violation of section 2068 ( a ) ( 3 ) of this title shall constitute a separate violation with respect to each failure or refusal to allow or perform an act required thereby ; and, if such violation is a continuing one, each day of such violation shall constitute a separate offense, except that the maximum civil penalty shall not exceed {>= $1,000,000} for any related series of violations. 

It is crucial to have accurate and complete information on my credit report, and the omission of my credit limit hinders a comprehensive understanding of my creditworthiness. As per the Fair Credit Reporting Act ( FCRA ), furnishing companies are required to provide complete and accurate information to credit reporting agencies.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2023-12-15
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)

Experian is the only credit bureau that continues to violate my rights. I DO NOT have any late payments, CLOSED student loans accounts or other erroneous information on my report. As a New York resident, Experian has never showed me proof of late payments or debt. 15 U.S Code 1679c never removed the debt and has the wrong address for my residence. 

How can a fraudulent account be verified? 

No proof and no recourse for their actions.
Consumer complaint received 2023-09-14
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. (NC)

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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