davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (GA)

Consumer Financial Protection Bureau ( CFPB ) Original Complaint Closed Re : Complaint ID XXXX dated XX/XX/2020 Submitted follow-up complaint XX/XX/2020 Good Morning CFPB Representative, This is follow-up letter to our original complaint. Navy Federal Credit Union ( NFCU ) did not manage our mortgage refinance ( refi ) loan request in a timely manner. Four months have elapsed since NFCU indicated they were reconsidering our application. 
We sent an email to NFCU on XX/XX/2020 to XXXX XXXX, Mortgage Processor III and XXXX XXXX, Supervisor, Mortgage Supervisor requesting a status. We received an email notification on XXXX, 2020 from XXXX Branch, Mortgage Production Supervisor, the 3rd manager assigned to our loan, that she was assigned to our refi and was working on getting your loan through initial review so we ( NFCU ) can get your loan closer to closing. On XX/XX/2020, in response to our original complaint, NFCU agreed to reconsider our mortgage refi at the rate we initially agreed upon. Additional documents were requested, all documents were submitted and a property appraisal was completed. This refi was initially begun nine months ago in response to an email solicitation from NFCU. 
We give up! This was an egregious way to treat a veteran and member of NFCU. We have requested a refi loan from a different lender resulting in a .75 % increased interest rate due to NFCUs ineptitude. To satisfy this complaint NFCU needs to refund all fees they collected from us for this sham re-submission of our refi application, including the fee for the completed appraisal. 

Respectfully, The XXXX
Consumer complaint received 2024-03-29
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. (NV)

Please take a look at my credit profile it is not accurate 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. I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2024-03-29
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. (IL)

I am writing to follow up on my previous dispute regarding the inclusion of the charge off account my credit report. Despite my previous communications dated XX/XX/year>, I am disappointed to note that this matter remains unresolved, and I am concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, it has come to my attention that the continued inclusion of this disputed account on my credit report may constitute violations of the FCRA. Under the FCRA, consumers have the right to accurate and fair credit reporting, including the timely removal of inaccurate or disputed information from their credit reports.

I am deeply concerned that despite my efforts to dispute this inaccurate information and provide evidence supporting my claim, you have failed to take appropriate action to investigate and resolve this matter. This failure to comply with the FCRA 's requirements may expose them tolegal liability and penalties.
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX, Opened XXXX XXXX has violated my rights. 

15 US.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 man 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 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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 or 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 2022-12-22
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. (DE)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-29
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. (IL)

I am writing to follow up on my previous communication regarding unauthorized inquiries on my credit report. As of my last correspondence dated [ date of previous letter ], I have not received a satisfactory resolution to this matter, and I am concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I believe that the failure to address these unauthorized inquiries promptly may constitute violations of the FCRA. Under the FCRA, consumers have the right to accurate and fair credit reporting, including the removal of inaccurate or unauthorized information from their credit reports in a timely manner.
Consumer complaint received 2022-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (IL)

Citibank closed my account without giving me any reason. When I stop by the branch, I was told that I was trying to cash invalid checks which turned out to be legit checks from my employer. Citibank still closed my account and now bank is not releasing my fund immediately. I called multiple times and I was told to wait XXXX day to access my fund. Currently all my fund is stuck in the account and I am in dire need of cash immediately. Every-time I call, I was told same answer to wait XXXX  days. 
I called atleast XXXX times and stopped by branch twice without any resolution. 

Account closed on XX/XX/2022 XXXX
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, 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. (TX)

I disputed multiple inquiries on my credit report on  XX/XX/XXXX . I disputed these inquiries :  XXXX  : :  XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details XX/XX/XXXX ,  XX/XX/XXXX    XXXX   :   XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX    : :   XXXX   XXXX   XXXX   Show Details XX/XX/XXXX    XXXX   XXXX   Show Details  XX/XX/XXXX   XXXX  Show Details  XX/XX/XXXX ,  XX/XX/XXXX   XXXX  Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   : :  XXXX   XXXX   XXXX   XXXX   Show Details XX/XX/XXXX    XXXX   XXXX   XXXX   : :  XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX   :   XXXX   XXXX   XXXX    Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX  ,  XX/XX/XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   : :  XXXX   XXXX   XXXX  A Show Details XX/XX/XXXX    XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX  T  XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX  , XX/XX/XXXX ,  XX/XX/XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX . Upon disputing these I stated that I did not give provision for the companies to run my credit. According to  XXXX  these companies certify that they did so the is the proof that they need to keep them on my report. I in retired asked for documentation where I gave approval. The dispute has been closed and I never received any documentation of me requesting these reports. The report was closed the same day it was opened.
I also disputed them on experian, and   XXXX   and was given the same result. I also have a fraud alert on my report so they are supposed to call and verify in time someone pulls my credit.
Consumer complaint received 2022-12-22
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. (OH)

Have sent a list of deputies to Experian, over 18 past and present dating from XXXX I did not authorize them and they failed to provide accurate information, and a removal of XXXX XXXXXXXX truck status is not accurate. 

No action was taken by company and has impacted my financial stable ability to get a home for my family. I am seeking compensation.
Consumer complaint received 2022-12-21
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. (ID)

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. 
XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX, XXXX  Account # XXXXXXXX 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 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 items if 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-25
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: Bread Financial Holdings, Inc. (NY)

On XXXX XXXX I receive an email from this XXXX  aka Comenity bank with XXXX XXXX XXXX XXXX open with {$400.00} Id never apply to this company Im out of the country dealing with a family emergency so I did try to contact the company and they saying I have to wait
Consumer complaint received 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX XXXX 1 ) reported my account as late unlawful 2 ) held my accountable for unfair practices, why report me as late for {$1.00}, when the car note for over {$500.00}?

3 ) poor communication, I was never made aware of the ramifications of leaving {$1.00} on my account nor did i receive a follow up in writing At then end of my loan, I called XXXX XXXX dealers services on XX/XX/XXXX to pay off the principal balance on my loan. The only outstanding balance would be late fees. I was informed by XXXX XXXX that due to system limitations, because there was late fees remaining their system requires that a {$1.00} principal balance remain on the account. My online account payment history showed the due date from that point as XX/XX/XXXX. The last and final payment was made on XX/XX/XXXX. This is within 30 days of the calculated due date ( XX/XX/XXXX ). 

However, after receiving notification from the credit bureau it came to my attention that i was reported as 30 days late by XXXX XXXX because of an outstanding balance of {$1.00}. I submitted a correction through my XXXX channel and nothing was fixed. 

I proceeded to check my account online payment history and noticed that my due date was adjusted from XX/XX/XXXX to XX/XX/XXXX. I never requested this adjustment and I was never informed verbally nor in writing that 1 ) my due date would be adjusted and 2 ) a {$1.00} balance would be reported to the credit bureau as a late payment. Also, recorded phone conversations note XXXX XXXX confirmed that they do not report to the bureau for late fees. Also, phone conversations with XXXX XXXX note that the {$1.00} principal balance was required because of their system NOT because I ( the customer ) requested that it remain. 

Working with XXXX XXXX XXXX off I submitted a case for Account number ending in : XXXX, case number : XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX informed me the correction to my credit report not be removed ( even though its unlawful ). The credit department rejected my request twice. They have choose to ignore that a {$1.00} balance remained on my account because their system required this to 'keep the account open '. Had a know that this {$1.00} balance would cause an unlawful reporting that they dont want to correct, I would have satisfied the entire balance on XX/XX/XXXX. Also, I was never told my due date was modified without my knowledge or consent. Had i know this, I would have satisfied the entire balance on XX/XX/XXXX.
Consumer complaint received 2017-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (NY)

Barclaycard would not take a loan check from my credit union to pay off my credit card ; thus, saving me interest and letting me close the account with a {$0.00} balance. Barclaycard said my account was not open long enough to take a payment that way.
Consumer complaint received 2017-07-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

I enrolled in a service called   XXXX   XXXX   which is a payday loan service. The problem that I am having is that they partner with my bank but my bank sometimes partners with them and sometimes they do n't. For example I was able to enroll my bank with this service but then in the middle of the service my bank is no longer a partner with them and then I am unable to use active hours. The bank that I use is the North Carolina State Employees Credit Union. This when this happens it puts me in debt with the company   XXXX   XXXX   because they are no longer able to connect to my bank to withdraw funds owed to them or deposit funds I make request.
Consumer complaint received 2022-12-21
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: EQUIFAX, INC. (OH)

During the summer of XXXX, I noticed that my Equifax credit report was not changing as my spouse 's file whom I share the same creditors. So I viewed my report and noticed that none of my accounts had been updated in contrast to those of XXXX and XXXX. I looked back a year when my last Equifax update occurred. 

So I contacted Equifax and they took all the necessary steps to prove my identity. After I assured them, they were satisfied to answer my questions in which they said that nothing was wrong with my report and they would send me a paper copy in the mail, and when I get the paper copy, to call them back, and they will update my credit report. So, I did... 

The update didn't come but I remained patient figuring they will get it right sooner or later, but that day never came. 

XX/XX/2022 I was applying for home loans. Still, when I go on XXXX XXXX, my Equifax report was still the same. So I just apply for mortgage loans anyway. Then the loan companies were telling me that they couldn't get my Equifax credit report at all, as if it were a credit lock on it. So I call Equifax again and they took me through the same questionnaire and wanted to send me another paper copy before they would update my report and I wasn't going for that this time. 

I told them that I see no need for them to send me a paper copy to prove who I am for them to report the information that creditors send to the bureau. It's their responsibility to do so. 

So, they refused to do so and I filed a complaint with the XXXX. Equifax kept answering my complaint as if they never even read it or viewed the attachments, but had an already prepared template that kept repeating the same nonsense, about how credit bureaus work. The XXXX  didn't do much and closed my case because they couldn't get Equifax to comply with a simple demand. 

So, that's why I'm contacting this bureau. The XXXX arrogance of Equifax representatives is leaving me to be turned down for financial services because creditors are unable to retrieve my Equifax file. If left up to Equifax this issue may never be resolved, and I could be in financial hardship because of this. Now, I'm starting to feel something illegal or unethical could be going on with my credit file at Equifax and they are being allowed to keep me in financial distress. 

I only want them to update my credit file and make it accessible to creditors, but if I'm to experience even more damage from their incompetence I will be pursuing for recovery.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (MD)

My XXXX has committed ID Theft & bank Fraud with my ID. My XXXX and I have been working on this since XXXX to date, and the bank has made at least XXXX investigations off and on, claiming the dispute was denied. I don't believe they investigated at all and seemed to no know where my documents I sent were at. Then they sent the fraud account bill to us XX/XX/2022 for the balance of {$3700.00} to our address with my XXXX XXXX email attached to this account. They confirmed that the our address was the victims address and quickly got off the phone. Our XXXX has lied about this account to us as well as gaslighted for more confusion, but we feel we are caught between a bank that is not doing their job right and a XXXX XXXX