davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: NAVY FEDERAL CREDIT UNION (MD)

When I tried to trade in my vehicle for a new vehicle I received a message from Navy FCU. 

Your application is still pending. The XXXX XXXX XXXX would like to advise that conditional approval is granted for {$45000.00} pending that the following is completed : - Provide the missing title for loan # # # # #. Navy Federal Credit Union must be listed as the lien holder. You may take the XXXX recorded title to your local Navy Federal branch or mail it to our title processing center : XXXX Navy Federal Credit Union, XXXX XXXX XXXX, XXXX XXXX, PA XXXX. We can not accept a faxed copy of the title. 

- If you are unable to provide the title for loan # # # # #, the loan must be paid-in-full or refinanced into an unsecured XXXX XXXX loan. Please be advised that the refinance application will be subject for review by our XXXX XXXX XXXX to determine if you qualify for the loan amount, monthly payment, and interest rate applied. 

Please respond within 14 days of the original date of application, XX/XX/2023. After that, the application will no longer be valid. 

I sent them the title in XXXX XXXX called Navy FCU and showed them proof that the title was sent in. Then they changed their story and said that they received the title but XXXX is still on the title as the lien holder. She explained that I will have to call XXXX for the lien release. I called XXXX for the lien release and I'm still waiting for it to be delivered. 

Why wasn't I notified of this only when I needed to trade in my vehicle 6 months later and then threatened to convert my loan to an unsecured personal loan and raise my interest rate. 

It is XXXX they gave me this notice holding up my trade in for a new vehicle. Not only that, I have till the end of year to receive the XXXX credit for the new vehicle. This needs to be traded in for that vehicle. 

Navy FCU use XXXX bias to target me for their discriminatory practices.
Consumer complaint received 2023-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NM)

XX/XX/XXXX, around XXXX XXXX, I went into a XXXX XXXX XXXX in XXXX, NM. I went to the ATM to pull XXXX out to pay some bills. The ATM gave me a receipt saying it dispensed XXXX but it never did.The ATM is a CHIME ATM, as my account is with CHIME. I called Chime and was told to just keep a look out for my money and if I don't see it call back. The camera has to show I didn't get my money. It's XXXX and the idea of the bank taking XXXX from me for no reason and not give it back has me furious. Please help me resolve this issue.
Consumer complaint received 2023-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NY)

From XX/XX/2023, I started seeing transactions that I didn't recognize. The same day I called Chime customer service to open a dispute then they failed to do so. They also failed to secure my account so that the person would not be able to access it again. They kept letting the person access my funds over and over again and again. The first dispute I opened was closed in less than 24H which means my un-legit transaction worth {$3300.00} did not matter to them. I reopened another dispute which also got closed in less than 2H. I want them to do the work as an investigation enough to track down my money. The last supervisor I spoke to recently told me that she was going to send me a link to upload my documentation to support my dispute yet they already closed my second dispute without allowing me the chance to provide documentation nor did they provide any explanation about what they investigated and findings.
Consumer complaint received 2023-12-20
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. (OH)

In accordance with the Fair Credit Reporting act XXXX XXXX account 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 instruction. 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 2023-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (OR)

On XX/XX/23 @ XXXXXXXX XXXX I received a phone call from Chime Bank from Chime Bank 's phone number stating I had fraud on my account. I was instructed to do a transfer to reverse the transaction. When it was done the money was transferred out of my account to a person I do not know. I immediately called Chime and told them that I was defrauded and started a dispute. I do not know XXXX XXXX. I have never done Any Chime to Chime transfers with this account. I have never done large transfers or withdrawals. This was completely outside my usual bank behavior. Another indication that is a fraudulent transaction. I was instructed to file a police report. I did. I also sent screenshots of the fraudulent email I received for the Chime Reversal. From Chimes email address. It is absolutely unacceptable that this claim is being denied. I expect to be refunded all the funds stolen from me. I will submit with this letter once again. I have repeatedly asked for Chime to recover funds. The continue to deny my claim. I asked for reason. They wont tell me over phone. 

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : XXXX XXXX - Unauthorized Transfer Date Error Reported : XXXX Claim Amount : {$2000.00} XXXX Oregon Police report # XXXX
Consumer complaint received 2023-12-19
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (TX)

A complaint of discrimination has been filed, however, I have since found this information to be vital, which can be found at XXXX XXXX XXXXXXXX. Still, I have requested an explanation of NFCU 's response to my compliant of discrimination but seen this video of a news clip with the EXACT SAME scenario. I believe the CFPB should have this information by now, if not please see it here XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (NJ)

RE : XXXX Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : XXXX is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED 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 15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : XXXX DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive and XXXX never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : XXXX has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so XXXX doesnt even know if these accounts are accurate, but yet XXXX XXXX this inaccurate information. Also XXXX reported that I owe a debt, of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive. 
15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : ( a ) In general Subject to subsection ( c ), 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 never gave XXXX any written consent to report anything on my consumer report no consent is identity theft if the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support XXXX reporting the above mentioned accounts and inquiries. If XXXX is unable to provide proof, PLEASE DELETE above accounts and attached inquiries.
Consumer complaint received 2024-04-28
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. (GA)

In continuation of my prior communication regarding the disputed late payment entry recorded on my credit report, I am writing to underscore the urgency of reevaluating this matter and to emphasize the potential ramifications of non-action on your part. As previously articulated, the erroneous inclusion of a late payment entry erroneously attributed to my XXXX XXXX XXXX XXXX account for the month of [ XXXX2021 ] has significantly and detrimentally impacted my creditworthiness and financial status. 

Despite the gravity of this issue and the imperative necessity for its expeditious resolution, I have yet to receive confirmation of any measures taken to rectify the inaccurate entry on my credit report. This lack of responsiveness and apparent delay in addressing the matter falls short of acceptable standards and fails to acknowledge the urgency and severity of the current situation. I have independently confirmed with TransUnion that they have updated the status of this entry to reflect it as paid as agreed. I possess the updated documentation from this investigation as evidence. 

Given the ongoing failure to resolve this dispute in a timely manner, I wish to reiterate my intention to terminate my account with the aforementioned creditor and explore alternative options offered by other creditors. It is abundantly clear that the present circumstances necessitate immediate action to mitigate the harm inflicted by the erroneous reporting on my credit profile.
Consumer complaint received 2023-08-29
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. (GA)

Upon reviewing my updates, the incorrect information was found in my reports which has been taken care of due to written appeals I sent, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of ACCOUNTS that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-28
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: EQUIFAX, INC. (TN)

accordance with the fair credit Reporting act XXXX XXXX XXXX  XXXX Account has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2024-04-28
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation. 



Dear XXXX, I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

My name is XXXX and I'd like to file a complaint against XXXX, XXXX and Experian and all the secondary bureaus. They have my or had my complete consumer file under the wrong name alltogether. Under the provisions made by the Fair Credit Reporting Act, I have the right to accurate reporting of any and all information pertaining to me. With that being said, I'm requesting that : XXXX ) My name is uptated on all XXXX bureaus. 
XXXX ) That ALL accounts that report any name other than mine : XXXX be removed immediately please. These account are not mine and I have for way too long suffer the consequences of inacurate reporting which has negatively affected my life and that of my wife and XXXX children. 
XXXX ) There are list of XXXX loans that are questionable and I'd like to have them investigated and removed if there's any inacurracy. 
Thank you!
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I have an account with TransUnion. I wanted to sign in to review my credit report. I could not sign in. The website said it would send a verification code to my email. I never got the email. I could not contact TransUnion Customer Service to resolve the problem, because they do not disclose a phone number on their website for Customer Service. All help offered on their website is self-help using their help guides. Credit Reporting agencies should be required to disclose a human help number on their website when their self help suggestions can not resolve the problem.
Consumer complaint received 2023-12-19
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. (CA)

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

I requested that an account be removed as it is not accurate. I also would like to know their source as if they don't have a relationship with any court system. So I would like to know the validity of said debt as i have proof of a closed account.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Army and Air Force Exchange Service (AZ)

In accordance with the fair credit reporting act the creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 states that a consumer reporting agency can not furnish an account with my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open en consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

XX/XX/XXXX - Placed order XX/XX/XXXX with XXXX XXXX XXXX using XXXX at check out. 
Purchase Total XXXX XX/XX/XXXX - Received Product the week of XX/XX/XXXX Product was not as described Called XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX to request a refund and return the product I was given permission via phone to return the product and receive a refund Informed XXXX  online that product was being reurned XX/XX/XXXX - XXXX XXXX XXXX  received product and accepted XXXX via XXXX. 
Proof of delivery attached XX/XX/XXXX and ongoing : Harrassed from XXXX for payment for a product that I have returned. XXXX placed account into collections. Informed XXXX  and credit bureaus that item has been returned. Shown proof of return product with XXXX Have made attempts with all parties to rectify the problem. Despite showing proof of refund all companies continue to fraudently state that money is still owed and continue to slander my name.
Consumer complaint received 2023-12-19
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (DE)

Synchrony Bank lowered my credit limits on three of my credit cards to the amount owed on the cards, that made my credit use go from 30 or 40 % to 100 %. that made my credit score go down hurting me financially, I have never been late, always payed more then the payment due.
Consumer complaint received 2023-12-19
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. (NY)

I have elected to enroll in the autopay since XXXX of XXXX starting in the amounts of ~ {$1700.00} but Aidvantage continues to fail to post my autopay and charges interest on the amount unpaid. I have spoken to representative XXXX XXXX and they won't send any confirmation that this is being looked into. I continue to get ignored on the issue and the Autopay election continues to be ignored. My payment has significantly increased and interest has increased as well.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (NJ)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, one paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below, as I do not recognize these accounts. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately.

( SEE ATTACHED ) Also See identification attached
Consumer complaint received 2023-06-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that these items were erroneous. The 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 need to be investigated and corrected for 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