davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (WA)

Navy Federal insisted on charging nonrefundable fees paid to third parties prior to the 3-day rescission period. The lender thereafter terminated the transaction and has not provided a refund of all fees including those paid to third parties in violation of Regulation-Z. Even though I explained to Navy Federal repeatedly that the seasoning application criteria being applied to me to secure the denial could not apply, I have been notified that the file has already been decisioned and I would need to file another application and take additional credit inquiry at additional cost. Because Navy Federal has not provided a refund of all fees for canceling the transaction, I believe Navy Federal is acting in bad faith. Causing applicants believe all fees are not refundable if the transaction is canceled by the lender or rescinded by the applicant within the 3-day period is not supported. Navy Federal repeatedly insisted on paying fees when it appears it had no intention of honoring the application. Also, Navy Federal made it appear that they wanted more information to further the current application on XX/XX/2022. Shortly thereafter it is clearly apparent that Navy Federal is merely gathering evidence in bad faith to better explain and justify itself before CFPB for complaints # XXXX and # XXXX involving this application. Navy Federal has also suddenly begun to divert the applicant away from his VA backed benefit and has suggested he to reapply or to make applications for other loan products less beneficial to XXXX veterans. NFCU to directed me to explain among many other things in bad faith, that I was no longer experiencing a hardship in a letter but used the fact that I received credit suppression protection as the sole reason to deny the application considering me as an undue credit risk applying seasoning improperly. I was led to believe verbally over the phone that I could provide further evidence or a letter from the current lender to overturn the underwriters denial decision on XX/XX/2022. After providing it the evidence is being misinterpreted in bad faith to preemptively justify the denial before the CFPB. Specifically, regularly scheduled contracted consecutive payments are being misidentified by the lender to add insult to injury. As of XX/XX/2022 the stance is that a decision has already been made and the evidence is being gathered to support some future application.
Consumer complaint received 2024-10-07
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 started receiving some mail related to student debt refinancing ( from XXXX - a firm I have never heard of ) and was suspicious about it since I do not have any student debt. I then checked my FICO credit score and noticed an account that wasn't mine - An open student loan account from XXXX XXXX XXXX  ( phone XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with balance {$53000.00}, 7 year term opened on XX/XX/2021 that appears to have 'Paid Satisfactorily ' Payment History. There is also a previous closed account with the same start date that has a balance of {$0.00}. 

I did not take out this loan ; I was doing a fully funded XXXX  at XXXX at the time and had no need for student loans. 

I called the number listed for XXXX XXXX on the credit report and found it to be a robo-call that said 'you have been selected for a free gift ' and dropped the call ; searching for XXXXXXXX XXXX phone number on XXXX gives me XXXX different phone number XXXX ( ie XXXX order was swapped in the credit report entry ), which appears to belong to XXXX  but will not let me proceed until I enter a phone-number corresponding with my account, which I obviously don't know since I didn't create an account or take out a loan with them. 

I disputed the account on Experian ( the credit reporting company that produces FICO scores ) and am yet to hear back. Looking deeper into the credit report metadata, I found an erroneous mis-spelling of my name : XXXX XXXX XXXX and two addresses in XXXXXXXX XXXX that I have never lived at. I disputed the two erroneous addresses as well and they were promptly removed from my credit report. 
Based on this information, I found a person named XXXX XXXX [ XXXX : XXXX XXXX ], who was a XXXX XXXX at XXXXXXXX XXXX  in XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  It is possible that the loans were taken out by this person and were erroneously attributed to me. 
My name is spelled XXXX ( with a trailing a in my first name ) XXXX and I have never lived in XXXX, NY or interacted with XXXX. I am unsure how this managed to appear on my credit report seeing as they should not have access to my social security number. 

Finally, I also checked my credit report on XXXX and XXXX. Neither have this fraudulant account listed in my credit report. This leads me to suspect that this may have been a record linkage error where a loan granted to a different person got erroneously linked to me. If it is an honest mistake, this points to sloppy actions on XXXX/Experian 's part ; if not, it is outright fraud.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Credit Karma (NY)

My account was locked 2 weeks ago. I stared calling credit karma and asking to speak to someone. They said check my email. I did and they wanted a photo of my ID on XX/XX/XXXX I sent it to them via email. I have since emailed 5 times called probably 30 times asked for supervisors and still get no timeliness no idea when it'll be cleared up I've used the chat button on the app. Same thing no one I can talk to. I told them I needed to pay my rent and car payment but can't if I don't have my account.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (UT)

My credit card account with JPM Chase was opened XXXX XXXX, XXXX XXXX. I set up automatic payments with the company. Everything was fine until around XX/XX/XXXX when I told Chase, via phone, that my bank account on file experience fraud and I had to change the payment account with Chase to another due to this. We changed the payment account over the phone. The next payment was never taken out of my new account. Chase kept on trying to take it out of my old account. I did not realize this because they never called me and I set up auto pay with my new account. It took a while for me to realize it. This is when they closed my account in XX/XX/XXXX. I would like to have the charge off and closed account removed from my credit because this is the fault of Chase. I've reached out to Chase several time throughout the years and tried disputing it with them and the bureaus so I turned for CFPB because no one would listen. I filed a police report and a report with XXXX XXXX. Chase should check their phone records to verify what I'm saying and remove this account from being reported to the 4 major credit bureau agencies.
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (UT)

My two credit card accounts with American Express were opened XXXX XXXX, XXXX  XXXX and XXXX. I set up automatic payments with the company. Everything was fine until around XX/XX/2017 when I told AMerican express, via phone, that my bank account on file experience fraud and I had to change the payment account with american express to another due to this. We changed the payment account over the phone. The next payment was never taken out of my new account. American express kept on trying to take it out of my old account. I did not realize this because they never called me and I set up auto pay with my new account. It took a while for me to realize it. This is when they closed my account in XX/XX/2017. I would like to have the charge off and closed account removed from my credit because this is the fault of American Express. I've reached out to American Express several time throughout the years and tried disputing it with them and the bureaus so I turned for CFPB because no one would listen. I filed a police report and a report with XXXX XXXX. American Express should check their phone records to verify what I'm saying and remove this account from being reported to the 4 major credit bureau agencies.
Consumer complaint received 2021-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Im a repeated victim of identity theft. Ive filed a report with the XXXX XXXX XXXX Police Department. Case # XXXX! Someone has also filed unemployment in my name. 
The following accounts are fraudulent 1.XXXXXXXX XXXX XXXX XXXX {$1600.00} 2. XXXX {$580.00} 3. XXXX XXXX ( XXXX ) {$380.00} 4. XXXX XXXX XXXX {$590.00} Ive never done business with these company or entered into a signed contract with these companies. All list accounts are fraudulent!!
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

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.

1. XXXX XXXX XXXX acct # XXXX Has violated my rights 2. XXXX XXXX XXXX acct # XXXX Has violated my rights 3. XXXX XXXX XXXX acct # XXXX Has violated my rights 15 USC 1681 Section 602A states I have the right to privacy. 

15 USC 1681 Section 604A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 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 antedate the report by more than seven years. 

15USC 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 2023-05-09
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. (CA)

By the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my credit report. There's an account that is written as a CHARGE OFF ACCOUNT but failed to receive the XXXX cancelation of debt form, because of that this account is inaccurate and needs to be removed from my credit report immediately. As well as several violations made reporting incorrect name variations. incorrect address variations, and incorrect late payment variations. XXXX or more of these violations violate my right to Privacy. These violations must be removed from my credit profile Immediately. I have reached out to all XXXX credit bureaus Experian, XXXX, and XXXX via certified letters and also provided proper identification to prove my identity yet have received no update or change to my credit profile.
Consumer complaint received 2024-03-22
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. (IL)

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 : XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX  XXXX XXXX Account name : 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 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 2021-06-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX are reporting 10 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2021-06-25
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. (NC)

I contacted Experian via mail to verify the accuracy of an alleged bankruptcy listed on my credit report. Experian responded that the information was collected from XXXX and from the US Bankruptcy Court. I called Experian, and was too informed that the aggregator of public record information, specifically bankruptcies, for Experian is XXXX. Also Experian 's website lists XXXX as the source of all bankruptcy information listed on consumer reports. I pulled the copy of my credit report, provided to my by Experian and shocked to see that the SSN number listed for me was too incorrect. Appalled by the inaccuracy of this damaging information being reflected on my credit profile, I contacted XXXX. Upon investigation, XXXX deleted information from my consumer report, and therefore sent copies of their investigation findings from my consumer report to myself and Experian on XX/XX/2021. Experian 's reinvestigation came back as verified on XX/XX/2021. Experian directed me to contact the furnisher of the information from the public record source listed on my consumer report. Since Experian has thus changed the source used in their investigative findings, I also contacted the number listed on my Experian consumer report to verify the information that Experian received upon the completion of their investigation. The number listed on my consumer report for the US Bankruptcy Court is some person 's personal cell phone number. Being that is so, how was this information verified by Experian? In addition, every letter that I have sent Experian has the last four digits of my SSN number listed. How was this information verified if the number listed on my credit report is different than my SSN? I have sent multiple certified letters to Experian with my correct consumer identifiers to ensure of accuracy of myself, and so that Experian can too match this information to what they have on file in my consumer report. Section 611 ( 6 ) ( B ) ( iii ) of FCRA states that a description of the procedure used to determine the the accuracy and the completeness of the information shall be provided to the consumer by the agency including the business name, address and telephone number of such furnisher. Since this information can not be verified, the FCRA states that this information must be promptly deleted. I have highlighted the inaccuracies on my attached credit report that I received directly from Experian after their investigation.
Consumer complaint received 2020-12-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OH)

In the middle of XX/XX/2020, I attempted to log into my account with Coinbase. It would not accept my password so I attempted to reset it. I had used my work email to set up the account, and since then, my company rebranded and changed out work email. This created an issue where I was not able to get the auto email sent to resent my password ( even though I had not changed my password and still have it ). I was unable to get ahold of Coinbase for assistance for 2 weeks. I ended up using the phone service to lock my account in an attempt to get someone to contact me. Finally on XX/XX/XXXX they did. They told me that I would need to create a new account, verify it, and then they would tranfer my balance to the new account once verrified. I followed all steps, going back and forth with them via email, to take care of all the tasks they asked of me. Once I had my account setup and verified, I never heard from them again. The last email i got from them was the XXXX of XXXX. I sent them an email on the XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and again today the XXXX. I have yet to recieve a response. They were once very responsive but as soon as I had completed the steps they wanted me to take, I have yet to hear back despite my attemps to contact them. All I want is for them to finish what they promised to do and transfer my blanace to my new account so that I have access to what is rightfully mine.
Consumer complaint received 2022-02-21
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: TRUIST FINANCIAL CORPORATION (NC)

Using XXXX at XXXX XXXX Bank, sent my Suntrust credit card a payment. Suntrust showed received XX/XX/2021. Then XXXX XXXX pulled it back. I was not aware until the middle of XXXX. No one emailed, called, or texted. I finally got a note in the mail. By this time Suntrust added a {$20.00} late fee. Contacted both banks and neither knew what happened. Finally, after days, XXXX XXXX said it looked like their system pulled it back because it had been paid with an electronic check assigned the same check number as a paper check I had written previously. 
I told Suntrust what happened. They said pay {$10.00} and they would reverse the fee. That made no sense to me so I wrote and mailed a check paying off the credit card minus the {$20.00}. Then I paid the {$1.00} interest added. Somewhere in the middle of all this Suntrust reported to the Credit Bureau and my score dropped from XXXX to XXXX. This in spite of the fact everyone agrees NOT MY FAULT! 
Suntrust justifies this by saying " Well, it's not our fault this happened. '' XXXX XXXX said they would look into it and contact me in a couple days. That was a week ago. I want my credit score restored.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

I am requesting the REMOVAL of my security freeze/block!!! I am trying to get the updated and accurate information on my credit file! My current and only address and nameXXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX SS XXXX XXXX Please remove any other Date of Birth on my file. I am in the process of correcting my file with XXXX XXXX, XXXX, EXPERIAN they also have records of my file that are wrong. I have requested verification of XXXX  XXXX XXXX  XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX. I never received back any response and is has been more that 30 days since I mailed in the complaint in XXXX XXXX 2021.FCRA 623 ( a ) ( 2 ) ( B )
Consumer complaint received 2021-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

MyEquifax has been unable provide a mechanism ( online access ) to temporarily lift the freeze only my Equifax credit report. Their online method of authenticating me is faulty and the agents can't do much either. After 23-25 minutes on a call, they tend to hang up on you, so nothing gets resolved. I've faxed my SSN document, license and utility bill with a cover letter, but there's no confirmation of them having received it or any indication that they're working on it. The agents on call don't have a clue as to what documents you've sent, so you can't check on the status either. This entire company should be in a XXXX for folks to see what XXXX XXXX look like.
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX  # XXXX is reporting an account to my credit that I never received a notice for. I never received any kind of 30 day right to dispute notice and I had no idea I had this collection until I had my credit pulled and saw it on there. As soon as I noticed the collection I paid it and there is no reason for it to be on my credit report.