davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-29
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: Experian Information Solutions Inc. (OH)

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2024-01-02
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (NY)

I am submitting a formal complaint against Navy Federal Credit Union, expressing significant concerns about potential privacy law violations, particularly the insufficient disclosure of opt-out rights. As a responsible credit union member, I expect institutions like Navy Federal Credit Union to uphold transparency, fairness, and compliance with regulations. Recent observations raise serious concerns, warranting a thorough investigation into Navy Federal Credit Union 's practices.

My primary concern is the apparent lack of disclosure regarding consumers ' right to opt out of information sharing, a crucial aspect of privacy. Section 15 USC 6802 ( b ) ( c ) mandates clear explanations, but Navy Federal Credit Union may not effectively communicate this information. The absence of opt-out information, a right under 12 CFR 1016.7, is troubling, hindering informed decisions and raising compliance questions. 

Beyond opt-out disclosures, concerns extend to potential Fair Credit Reporting Act ( 15 USC 1681 ) violations. Section 602a emphasizes fairness, impartiality, and respect for consumer privacy, areas where Navy Federal Credit Union may lack full compliance.

The apparent lack of information on opt-out options may signal broader insufficient privacy disclosures. Section 15 USC 1681C ( a ) ( 5 ) prohibits certain adverse information disclosure without proper authorization, necessitating clear privacy disclosures under The Privacy Act of 1974.

Notably, under 15 USC 6805, the privacy notice reveals involvement with third-party companies, implying potential Privacy Act and terms and conditions violations. 16 CFR Part 313 and 16 CFR 433.2 outline requirements for privacy practice information.

Emphasizing 5 USC 522a in relation to identity theft, protecting personal information is vital, and any false use of identity, as suspected with Navy Federal Credit Union, contravenes the law.

Additional concerns involve potential FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ) violations, as it prohibits having a consumer report containing solely transactional information. Such violations breach consumer trust and ignore fundamental principles of consumer protection.

Lastly, 15 U.S. Code 1681s2 ( A ) ( 1 ) A underscores the importance of furnishing accurate information to consumer reporting agencies, a responsibility that must be upheld.

In light of these concerns, I urgently request a thorough Consumer Financial Protection Bureau investigation into Navy Federal Credit Union 's practices. I implore the Bureau to address opt-out and privacy disclosures, considering relevant laws, and ensure compliance with privacy laws and consumer protection statutes.

I appreciate your attention to this matter and trust the Consumer Financial Protection Bureau will take necessary steps to safeguard consumer rights.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (CA)

I had called by Finance company to ask for an extension on my vehicle payment they had stated that they had summited my request then I get an email from XXXX XXXX  that my score when down based on a report form my finance company Ally I then called Ally and asked what happen they said it was a mistake in there end but unfortuanlly the report already had gone out and there was nothing that they can do but grant me another extension I need this late payment to be removed from my credit report since it was not be fault I only have 3 payments left on my vehicle I was not expecting this to happen when i only have 3 payments left I had requested this because I had a family member passing away and was not sure if I would have been able to cover funeral services and my vehicle payment and now am stuck with a bad note on my credit report I would like to start in investigation please or something but I would like this removed from my credit report.
Consumer complaint received 2021-01-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX
Consumer complaint received 2024-02-27
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. (MI)

XXXX CREDIT FOR A PLACE I NEVER HEARD OF IN MY LIFE. THIS IS HORRIBLE THAT MY LIFE IS RUINED DUE TO SOMEONE ELSE 'S USE OF MY INFORMATION.PLEASE FIX THIS IMMEDIATELY OR I WILL SEEK FURTHER ACTION. 
XXXX XXXX {$83.00} XXXX XXXX {$0.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX  XXXX {$580.00} XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-29
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. (CA)

My rights under the fair credit reporting act my rights were violated in the following ways ; withholding notices, privacy violations, requesting report for impermissible purposes, failure to follow proper debt disclosure procedures, furnishing and reporting inaccurate information, furnishing and reporting old information, and mixing files.etc. 
I disputed accounts that are fraudulent and they were not deleted and deemed to be accurate which is not the case because they were opened up fraudulently which I already notified all credit reporting agencies several times.
Consumer complaint received 2022-10-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

XXXX hit XX/XX/XXXX, I applied for forbearance on my mortgage and it got approved for a year. I became unemployed due to the pandemic. A year went by and I applied for an extension of 3 months which was approved. After my first extension, XXXX, the lender lost communication with me, didnt tell me that I have to fill out another loss mitigation packet to receive additional time. Im still unemployed at this time with no hope in sight for income. Finally get another job XX/XX/XXXX and making regular payments again XXXX XXXX XXXX. Come XXXX I was informed that my mortgage had been transferred to the foreclosure department of XXXX. I had found out also by calling in to make a monthly payment too, its not like XXXX had reached out to inform me of all this. I asked how come and they said that the deferred payments of the forebearance agreements werent paid on time. I said that if your communication was better between us this wouldnt have happened because I didnt know the arrangement was to pay in full the deferred payments and by the way the property is for sale and set to close XX/XX/XXXX. A foreclosure attorney was hired by XXXX XX/XX/XXXX and now is showing on my credit report as foreclosured upon even though, I paid off all loans and attorney fees. I DONT feel as if I deserve the derogatory remark on my credit report simply because I lost my job and livelihood from the Covid pandemic and did everything I could to get my life back to normal
Consumer complaint received 2024-02-27
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. (PA)

XXXX XXXX and Experian have devastated my life by allowing someone to commit identity theft I have complained multiple times to cfpb as well Im tired of this issue not getting fixed my credit need to be fixed and restored this goes against all laws and Im writing a letter to the senator to address this I cant live with poor credit caused by someone elses actions
Consumer complaint received 2022-10-29
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: Experian Information Solutions Inc. (SC)

XXXX XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account # 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 2018-06-28
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

the company servicing my loans is Navient. They have refused to remove missed payments from my credit report when my loan was in forbearance. They reported a missed payment on each of the 8 student loans have which dropped my score 100 pts. I am an XXXX for the past 4 years in XXXX Florida and I cant even get a car loan because of this practice.
Consumer complaint received 2024-02-27
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. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed a late payment with XXXX XXXX XXXX  for the month of XX/XX/XXXX and it was updated incorrectly. 
All payments since XX/XX/XXXX have been made on time in the amount of {$700.00}. Payments were processed in time yet account showing delinquent for 1 month which is impacting my credit
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (CA)

I've been trying to get my account clarified with American Express for an entire year. I am now receiving bills for amounts hundreds of dollars more than what I actually charge. I'm only able to use the card for less than {$50.00} dollars on certain days. My current bill is {$1000.00}, but I only have approximately {$300.00} in actual charges. I've contacted the CEO assigned someone to my account who totally XXXX  everything up even more. I then reached out to the audit department begging them to perform an audit on my account so they could see my account is NEVER late and I paid in full every month. I've been a customer for 20 years and this is how I am being treated. I'm now being told that my bill has been late for the last 11 months even though I have receipts and bank statements to prove that FALSE. There have been representatives within American Express who advised and confirmed their system has some " glitches '', but no one has ever tried to fix the problems. I've been told so many different lies as to why I can not use my card and they are all false.
Consumer complaint received 2022-10-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

In accordance with the fair credit reporting act, XXXX and transunion display XXXX XXXX/XXXX  XXXX, XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX Wisconsin XXXX XXXX XXXX XXXX XXXX well as XXXX XXXX XXXX has violated my rights! 
15 U.S.C 1681 sec 602 A. States,, I have the right to privacy. 15 USC 1681 section 604 A.section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Sent Bank of America, XXXX, XXXX and XXXX a letter to have my account checked for audit and accuracy. Bank of America Never responded ..... Please permanently delete this credit card account from my file. per 15 U.S.C. 1681S-2 ( b ) ( 1 ) ( E ) ( iii ) The response time was only allowed 30 days they are way over that period. 15 U.S.C. 1681S-2 ( b ) ( 2 ) and FCRA 611 ( a ) 1
Consumer complaint received 2022-10-29
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Inquiry was solicited or not authorized I have attempted to resolve this issue to no avail. This was reported to the credit reporting agency without my consent and is a violation of my rights according to the FAIR CREDIT REPORTING ACT. 
15 USC 1681 602A states I have a right to privacy.

15USC 1681 section 604A also states a consumer reporting agency can not furnish an account without my written instructions..
Consumer complaint received 2023-02-08
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: LEXISNEXIS (NY)

My name is XXXX XXXX, and I am a consumer submitting this complaint on the behalf of myself without the influence of any third  party being involved. LexisNexis is furnishing tradelines on my consumer credit file that is a result of aggravated  identity theft 18 usc 1028a. My personal identifying information has been improperly used to furnish negative accounts on my consumer report that violates both together and separately my consumer and privacy rights. FTC report # XXXX and improper accounts being used to furnished negative items on my consumer report without my written consent or authorization by you Lexis Nexis, XXXX, and XXXX did not open this account nor authorize any one to open said accounts on my behalf. You are also reporting inaccurate, erroneous and fraudulent accounts, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or wasn't any transaction made by me without lawful authority, my written consent or authorization. 
Per the FCRA any account resulting from aggravated identity theft is to be blocked within 4  days of receipt of notice as outlined under 15 USC 1681c-2. Please cease the reporting of this tradeline on my consumer credit file. 
Please see attached FTC report number XXXX for reference. See attached docs as it this document counts as my statement, copy of my ID including my current address, the identifying information of the fraudulent inquiries, and a copy of a bill evidencing my address. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX ) 3. the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not transactions made by the consumer. 

P.S. This written statement classifies as the statement required under the FCRA/FDCPA when reporting fraud. 

Regards XXXX ; XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2024-02-27
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. (AL)

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 : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 2024-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$5100.00}, XXXX XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$440.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$700.00}. Please delete these fraudulent accounts ASAP.
Consumer complaint received 2023-08-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc. (CA)

Currently, I don't have a job and I can't apply for jobs at trucking companies. 

All the truck companies I applied to required : - 3 months experience - Graduates of XXXX A need school certificates and transcripts With the driver training agreement from XXXX, I didn't get a job anywhere and couldn't use it for anything else. 
I didn't quit my job during my training at XXXX. The staff at the new driver training center stopped my work with unconvincing reasons. 

I need more time 1 year for me to have a stable job and I will pay the driver training agreement payment as below : Weekly Payment Plan for a term of 1 year ( interest free ) : {$110.00} per week And I also need XXXX help and facilitate, so that I can apply for jobs at truck companies, related to the amount that I have agreed with CRST.