davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
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 (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NAVY FEDERAL INVESTMENT SERVICES, LLC XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Opt-Out Request Regarding Consumer Reporting Dear, Navy Federal Credit Union I hope this letter finds you well. I am writing to request an opt-out from the sharing of my personal information by Navy Federal Credit Union with consumer reporting agencies, in accordance with the Fair Credit Reporting Act ( FCRA ) and related statutes. 

Under the provisions of the FCRA, specifically highlighted in sections 15 USC 1681 and 15 USC 6801, there exists a fundamental requirement for financial institutions to uphold the privacy and security of customers nonpublic personal information. My concern stems from the obligation stipulated in 15 USC 1681 section 604 ( a ) ( 2 ), which states that consumer reporting agencies may only furnish a consumer report with the explicit written instructions of the consumer. To date, I have not provided such written consent for the disclosure of my personal information. 

Moreover, the FCRA mandates that financial institutions like Navy Federal Credit Union must inform consumers about their rights to exercise nondisclosure options regarding their nonpublic personal information, as indicated in 15 USC 6802 ( b ) ( c ). I have not been adequately informed about or provided with the means to exercise this right. 

Additionally, the FCRA prohibits the inclusion of certain adverse items in a consumer report after a specific timeframe, as outlined in 15 USC 1681C ( a ) ( 5 ). Yet, I have observed adverse information being reported without my consent, which contravenes the statutory provisions. 

Furthermore, it is my understanding that every consumer reporting agency is required by 15 U.S. Code 1681e to maintain reasonable procedures to prevent violations of the FCRA and to limit the furnishing of consumer reports to specific purposes listed in section 1681b of the Act. I am concerned that Navy Federal Credit Union may not be adhering to these statutory requirements. 

Finally, under 12 CFR 1016.7, consumers hold the right to opt out at any time from the reporting services provided by financial institutions. Therefore, I am formally exercising my right to opt out of Navy Federal Credit Union 's Consumer reporting services. 

I kindly request that Navy Federal Credit Union cease sharing my personal information with consumer reporting agencies and confirm in writing that this opt-out request has been actioned accordingly. 

Please provide written acknowledgment of receipt of this opt-out request at your earliest convenience. If any additional information is required to process this request, please do not hesitate to contact me at the provided contact information. 

Thank you for your attention to this matter. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2015-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (LA)

I disputed a bankruptcy on my credit report with equafax and there refusing to verify the information is correctly reported on my credit report. After I contacted the clerk at the court house reported on my credit report they advised me there was no case in there files with my social security number on it. So I 'm not sure we 're they are receiving the information there reporting. Also the clerk informed me they DO NOT report to the credit bureaus so the information there reporting is incorrect.
Consumer complaint received 2022-05-06
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: Affirm Holdings, Inc (NJ)

I tried applying for an apartment lease and they pulled 3 credit reports. I have outstanding credit history and great scores. My scores have always been over XXXX. On one of the reports ( XXXX is showing score of XXXX ) there is a closed collection account that is not mine with Affirm. It shows on the credit report it was open on XX/XX/19 in the amount of {$750.00}. I have never taken out a personal loan, I have never received a call about a payment. It says the first payment was never made. This is not my account and it is preventing me from leasing an apartment. I reached out to Affirm and am currently in dispute over it but it is taking too long and I need to secure housing as soon as possible. Affirm stated this is about a personal loan with XXXX XXXX secured through XXXX XXXX Bank in XXXX NJ. Please assist me with removing this from my report as it is not my account. Thank you.
Consumer complaint received 2018-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

My Wells Fargo bank refuses to replace my stolen bank card. I am in XXXX where I have been for 5 years, except for every 6 months when I go to XXXX. All of my withdrawals from ATMs reflect this. All of my messages confirm this. They have called me here twice and I first called them collect from XXXX onXX/XX/XXXX when the card and cash were taken from my purse - they were in my wallet which was taken. At first I called collect and was granted a replacement card but it later also had to be cancelled because the rural area where I am currently located has XXXX XXXX is on STRIKE INDEFINITELY. So I messaged many times that I now have been I informed the city Post Offices are delivering and the bank called me twice : on XX/XX/XXXX and the first replacement bank card was cancelled but the new one was denied me. Finally tonight I was contacted but only allowed to answer 2 questions to identify myself - Do I have an American cell phone and what is the number So they may text me a code FOR SECURITY REASONS that I must have to confirm it is my account. How insane is that? It's not possible. I live in XXXX!!! I told them I am surviving begging for money to eat, feed my 2 dogs and goat who are all with me OUTSIDE WHERE I SLEEP with NO MONEY FOR HOTEL OR ANYTHING, especially MEDICINE FOR XXXX XXXX. THEY DO NOTHING. IT IS MY MONEY I NEED AND MY BANK CARD THEY ARE WITHHOLDING, NEGLECTFULLY, ABUSIVELY, INCOMPETANTLY.
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

Hello, Equifax continues to provide inaccurate information by reporting an account listed as : "  XXXX   XXXX   XXXX  '' in the amount of {$570.00} twice as derogatory ( collections ) on my account. This is the same account listed twice and is not mine. The reporting of this inaccurate information not once, but twice on the same report has resulted in lower scores and financial loss for me.  <P/> Additionally an account listed as  XXXX ,  XXXX  for {$100.00} has been reported and investigated in the past and still reports even though Equifax has been provided with proof of paymen t ( re ceipt to   XXXX   XXXX   for {$100.00} ) showing their subscribe r (   XXXX ,  XXXX   )  is proving false and inaccurate information. The information can be confirmed with Billing at  XXXX   XXXX  at  (   XXXX  )  XXXX - XXXX  Attn :  XXXX   XXXX .
Consumer complaint received 2019-09-20
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. (WA)

I have asked for a method of Verification ... 
Experian did not investigate or show any documentation proving that the negative information on my report belongs to myself. 
They continue to use the XXXX XXXX system that is not a sufficient form of verifying.
Consumer complaint received 2019-07-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

Hi, I have a very urgent matter once again due to a foreclosure sale on XX/XX/2019. IAM STILL HAVING TROUBLE GETTING A HOLD OF SOMEONE AT THIS COMPANY. EVERY TIME I CALL AND INPUT MY ACCOUNT NUMBER IT GOES STRAIGHT TO VOICEMAIL AND NEVER CONNECTS ME TO ANYONE AT BAYVIEW. This is a very very big problem and issue as I can not speak with anyone and do not have a direct contact to a person. I applied for a loan modification to Bayview Loan Servicing , LLC numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing , LLC to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social security number, it rings couple of times and then it goes straight to a common voicemail. It says thank you for calling the underwriting department please leave a message or set up a time to call you back. Ive tried multiple times to set up the call back and never got a callback and the other times their phone system just hung up on me. I would try this couple more times at different times in the day and get the same results. These are the numbers I have called to get in contact with anyone at Bayview Loan Servicing , LLC : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all and each phone number has the same process. As soon as I input my loan number it seems like their system registers my loan number and does not transfer me to a live person at Bayview Loan Servicing , LLC but transfers me straight to a voicemail. I feel like this is international so that I would not be able to speak with any of the Bayview Loan Servicing , LLC representatives and to prevent me from getting a loan modification. This feels like a very big problem that they do this. I can not speak with anyone regarding my loan thus iam not able to know the status of the loan modification and I can not move forward. In the past I had this issue as well and it has not been addressed. In the past this has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. But now it does not work and it goes straight to a voicemail which even after leaving voicemails to be called back I never get any call backs. If Im not mistaken Bayview Loan Servicing , LLC is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

Per my Equifax file, XXXX XXXX does not have any record of the last payment activity ( see attached ). 
According to the Fair Credit Reporting Act ( FCRA ) - the legislation that governs credit file information- the date a negative account drops off your credit report is seven years from the date of your last activity on the account.
Consumer complaint received 2019-07-10
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

S.P.S for 3 years I have been trying to get A Modification Approval In All of it on XX/XX/2019I Received Contract was informed to send all papers Back. One week later I was told to send first Morgage Payment with the Agreement I wired my first Morgage 15 days early one week later it was put back in my bank account then one week later they said they had found the mistake.

They advised me to wire the money Again .One week later A Sheriff put a letter on my door that my house was in foreclosure. I have A XXXX year old Mother that I care for PLESE I NEED Someones Help
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NY)

This is an on going issue with the company. I recently had an investigation done into the matter and as of XX/XX/19 it is complete. In which, XXXX conducted an investigation into the issue and verified information on the account regarding an XXXX XXXX. According to XXXX, the results were in fact that I did at one point have the account and Honda updated the account as the balance was paid in full as per Honda Financial Services and I never missed one payment while in possession. I received the results of the investigation in the mail today. IT IS MY RIGHT UNDER FCRA 623 ( b ) ( 1 ) ( D ) TO HAVE ANY AND ALL INCORRECT INFORMATION CORRECTED OR DELETED IF THEY CAN NOT VERIFY THE FACTS OF THE MATTER, WHICH IS THAT THIS ACCOUNT STILL HAS ERRORS. Number one, the account is listed as a charge-off. If the balance is in fact paid in full as reported and I owe {$0.00} as per the investigation this is severely misrepresented. A CHARGE OFF OCCURS WHEN THE NUMBER OF DAYS SINCE THE MOST RECENT PAYMENT REACHES 120 DAYS WITHOUT PAYMENT. THIS WOULD MAKE THE ACCOUNT DELINQUENT AND NO LONGER CONSIDERED CURRENT. This does NOT reflect my account at all. If i was delinquent Honda would not have updated the account as paid in full after Transunion 's investigation. I never missed one payment therefore the account does not fall under a charge off. It's just a closed account. I have the results of the investigation if need be.
Consumer complaint received 2022-12-15
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: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-15
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: Experian Information Solutions Inc. (GA)

This is my continued endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-02-07
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (FL)

Student Loan has been paid on for going on 9 years now. Was told today the reason my loans have gone UP is because changing plans capitalizes the interest. At no time was this told to me before today. Furthermore I made {$8100.00} in payments last year and from the tax statement received by me, {$0.00} went to principal. At this point it is worth just taking the hit and ruining my credit from this point forward because with no options to repay a reasonable monthly payment that actually reduces the principal, the credit will be ruined in the end anyway. XXXX XXXX XXXX XXXX has horrific customer service agents that will tell you very quickly they do not care about your situation. The government has made it where there is no way out so they have you no matter what and do not care. So this is my last effort to try to come to a reasonable agreement and where i can see this loan being paid off. Because as of right now the only way this loan goes away is when i do.
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2019 I mailed and filed a taxable event with the IRS and the US Treasury and gave notices and copies of the taxable event to the Capital One credit card company. A 1040V payment voucher - {$490.00} to the U.S. Treasury and a 1040 to the IRS. 

On XX/XX/2019 I receive letter correspondence from Capital One stating, Thanks for contacting us about your Capital One account. We have recently been asked to update the account by a third party. Due to privacy laws, we need your consent to fulfill this request. You can either call to have your request completed or, if you prefer send us documentation showing that the third party has Power of Attorney, or a signed letter of consent, allowing us to release or change your account. 

I mailed my letter of consent shortly after receiving the letter. Then on XX/XX/2019 Capital One sent me another letter stating, As requested, we've done the following : We removed your name and address from future Capital One credit offers. 

Then on XX/XX/2019, Capital One sent another letter with a credit card offer with the subject as Re : Your account number ending in XXXX. We're happy to provide the MasterCard Platinum  benefits you requested. 

Since XX/XX/2019 to XX/XX/2019 ; I have called the Capital One customer service telephone line several different times asking Capital One to correct the mistake of closing the account and to re-open the account and to adjust the amount accordingly, but they have failed to reopen the account and have failed to resolve the issue in a timely manner. 

On XX/XX/2019 ; I called Capital One general inquires telephone line and spoke with XXXX, employee ID XXXX. XXXX was helpful and investigated the matter further. She stated that the account was closed because of missed payments or having credit over their acceptable limit. She found that I missed one payment but it was a long time ago, so all of my payments were on time. I stated that all of the information Capital One representatives were providing me sound very fraudulent and then she escalated the issue to her supervision, XXXX XXXX ID XXXX. XXXX took my feedback that the account was closed fraudulently and that my payments were mostly all on time and submitted for Capital One team to review the problems and to reopen the account without guarentee.
Consumer complaint received 2019-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (MO)

I called Citi Easy deals to ask where almost XXXX points went that I use to be able to get auction items like gift cards. They told me they kept them for two years and after that dropped everyone down to a tier system based on spending and we were not using that card and got dropped down to the worst category and lost all of our points. This is not acceptable we earned those points. We called today to ask them to meet us in the middle and work through this and they said there is nothing they can or would do
Consumer complaint received 2022-12-15
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. (FL)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-15
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: EQUIFAX, INC. (FL)

I submitted a letter to the XXXX Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX