davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION (MD)

A couple of days ago I applied for a auto loan with navy federal Which I found very surprising since I have paid off several things for my credit report even a {$48000.00} vehicle that was currently on my credit report Navy Federal has been really treating me unfair when it comes to any time when I apply for any form of a credit line increase or a loan feel like something is personal Because the explanation I was given on the reason why I was in that didnt make any sense I asked Navy Federal to do a manual credit pull because like I said my credit score has changed dramatically and I still was denied for a credit line increase to which I have had my accounts with Navy Federal and excellent standings for over a year and a half And I want to continue doing business with Navy Federal but they are making me feel totally uncomfortable with expanding my business with them and also doing any form of transaction as far as loans credit cards etc.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have an account that went into a derogatory status after being honorably discharged from the US Navy. I had fallen upon hard times and could not afford the payments at the time. It did take me a while, but I have recently settled this debt with the debt collection agency, whom goes by the name of XXXX. After settling this debt on XX/XX/XXXX, I called Experian to explain my situation and that I wanted this information updated on my credit report. Each time I called, The agents were very rude and impolite, I was even hung up on by one of the agents. They insisted on not updating any information and that they would be filing a dispute before the account was updated. On XX/XX/XXXX, I uploaded an image from the debt collection agency the account was settled with, showing a fax I received stating that the account should reflect " settled/paid in full ''. On XX/XX/XXXX the Experian dispute results were in, and they stated that the information that they had on the account was correct, I settled the account for {$2600.00}. After settling an account, the balance is to reflect {$0.00}. Experian only updated the account as if I were only making payments, bringing the {$8800.00} balance down to {$6200.00}. This reporting is incorrect due to the fact this account has been settled, I did not start a payment plan with the company ( which is a statement that Experian later added to the notes section of the reporting as well ) I also have a recording of a conversation with XXXX XXXX XXXX XXXX, which is the original creditor, stating that this balance is to reflex {$0.00}. This account reflecting this high balance is severely hurting my revolving credit, which is keeping me from buying a home for my wife and children. I do not believe I have been treated fairly by Experian as a consumer and assistance is needed to make this situation right.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

I applied for a Chase Business Credit Card about a month ago. I was ultimately denied due to a couple of issue that were on my credit report. I had since resolved one of the said issues and was calling in to have that information reconsidered. The agent said I was still within the 30 day window during the call and she just need to resubmit for review and they would reach out about proof of the paid charge off I had settled. They never reached out, so I called to be told I was denied again. But, my complaint is that they did another hard pull on my XXXX credit report that I did not authorize. Like I told the supervisor " XXXX '' whom I spoke to, I would not authorize another hard inquiry from them, especially within the span of 1/2 months. If they pull their own recorded calls they would clearly hear I did not call to have my credit pulled again, I called to submit new information that should have gotten me approved. The latest pull from them I am disputing occurred on XX/XX/2021. It was not authorized and should be deleted immediately. It negatively affects me.
Consumer complaint received 2017-12-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc. (MI)

The week of XX/XX/XXXX XXXX XXXX called my work and I told them that this is my work and I was not allowed personal phone calls. The caller keep trying to talk and I told him again that this is my work I am not allowed personal phone calls and again he still tried to keep talking so I hung up. Today XX/XX/XXXX they called again at my work and I told them they called last week and I told them not to call this number it was my work and I am not allowed to receive personal phone calls. She the caller keep talking and I told her not to call this number it was my work and she said she could call this number and I told her it was against the law and she told me it was not against the law and she can call it.
Consumer complaint received 2017-12-20
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: EQUIFAX, INC. (CA)

EQUIFAX IS NOT REMOVING OLDA ACCOUNTS THAT HAVE PASSED A 7 YEAR STATUTE OF LIMITATIONS FROM MY CREDIT REPORT! 
I have proven to Equifax munerous times for 6 months now that XXXX XXXX XXXX act # XXXX has been over 7 years since last date of default and since last date of activity and XXXX XXXX act # XXXX has been over 7 years since last date of default and since last date of activity. None of the other bureaus are reporting it anymore but EQUIFAX keeps stating that they verified it with the original creditor, when I have letters from XXXX XXXX XXXXXXXX and XXXX XXXX stating they are NOT REPORTING THIS OLD ACCOUNT AND THAT IT SHOULD BE REMOVED FROM MY CREDIT REPORT. 
please help this is damaging my credit and Equifax is being totally ignorant to the F.C.R.A. rules and regulations
Consumer complaint received 2021-05-05
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (VA)

In early XX/XX/2021 we were offered a XXXX XXXX VA Streamline Interest Rate Reduction Loan by Freedom Mortgage Corporation which we accepted. As of todays date, XX/XX/2021 this loan is not closed. We have made numerous numerous phone calls and sent several emails asking what is the problem. We are given the same 3 responses : 1. The loan must be sent to underwriting for review 2. The loan must be submitted for final approval 3. They must request an updated payoff They continue to pull our credit, send us emails and call us telling us to provide them with a payoff, or to contact them to schedule a closing only to repeatedly give us one of the above referenced reasons why they can not schedule a closing date. We are literally receiving 2-3 phone calls on the same day from different people giving us 1 of the 3 excuses why a closing can not be scheduled. Now, we are being told that because it is taking so long to close this loan the rate lock has expired and we will be assessed a XXXX  % fee to extend the XXXX XXXX rate. 

A VA Streamline Rate Reduction Loan is the simplest mortgage loan to complete and yet Freedom Mortgage Corporation will not close this loan. We believe that for some reason they do not want to honor the terms of the mortgage loan they offered us and are trying to irritate us to the point we withdraw our application.
Consumer complaint received 2019-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (TN)

Attached please find a debt that Radius Global Solutions, LLC claims that I owe. Radius Global Solutions, LLC does not possess a license to collect in the State of Tennessee, my home state. Place enforce that they remove this from all three credit bureaus.
Consumer complaint received 2022-01-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

This is a formal complaint that the credit bureaus have ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they are publishing for me. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. Their response to my inaccuracies on my credit report have not been investigated only ignored by sending a copy of my credit report with no investigation results or updates. i am having issues updating wrong address and sadly something simple as wrong names of individuals on my report that as well.
Consumer complaint received 2021-07-13
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. (TX)

Good day, please assist me in getting an answer about why each credit bureau XXXX, Experian and XXXX  have been slow in upgrading my credit score since XXXX. My wife and I filed for bankruptcy in XXXX and divorced recently, but have met all our obligations according to bankruptcy rules. I alone have made consistent regular payments on an auto purchase since XXXX but the 3 main credit reporting bureaus listed above have not used the auto purchase payments as a factor in being credit worthy it seems. I don't have any credit cards as I normally pay for everything through 2 different bank debit cards. It appears the 3 main credit bureaus want me to obtain a credit card, and will only evaluate and award higher scores based solely on information received from those having credit cards. I believe this practice is unfair and would like an investigation.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I have reviewed a copy of my credit report and I show company XXXX XXXX  account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2021-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was contacted regarding a used couch I was selling online for {$100.00}. The person told me that someone else would email me with information on how I would get paid for the couch. In the email, they sent me a cashiers check for {$1700.00} and instructed me to XXXX them the change. I waited a day and when it was clear that the check had cleared, I didn't see how anything could go wrong and sent them the change through XXXX. Two days later, the bank rejected the check and took back all the money as well as charging me a XXXX dollar fee. 

The name on the XXXX account was XXXX, and the email address was : XXXX XXXX
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Consumer complaint received 2017-12-18
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (CA)

This complaint is about Navy Federal Credit Union XXXX Check No. XXXX dated XXXX XXXX XXXX in the amount of US {$85.00} payable to the payee appearing on the face of the check. 

The amount was debited by the bank ( Navy Federal ) from my account with them as of XXXX XXXX XXXX despite the check issued never have been gotten hold by the payee much less endorsed by nor being deposited in her account.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Experian Is Not Reporting all my Credit Cards or Credit History in the XXXX XXXX XXXX XXXX XXXX XXXX. Over XXXX months ago I was added as an authorized user of XXXX XXXX  XXXX card with a 12 year Credit History, another XXXX XXXX XXXX with a 4 year Credit History and another XXXX XXXX XXXX with a 4 year credit history. I need ALL of these cards reported to my Experian Credit Report on a monthly basis and currently for over 2 months these cards have not been reported on my Experian Credit History. I am in the market to buy a Home and this issue is preventing me from moving forward to purchase a new home! I need Experian to report these Lines of Credit that I am an authorized user IMMEDIATELY!
Consumer complaint received 2022-04-03
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. (TX)

I've been challenging accounts XXXX and XXXX on my credit report with experian because there agency is reporting inaccurate information. when they sent my results XX/XX/2022 I had noticed there before and after results showed experian illegally re-aged these accounts without updating the payment history supporting their update. XX/XX/2022 I put them on notice based on those same errors. XX/XX/2022 there results stated they updated these accounts. when I looked at the before and after nothing was updated and experian didn't even properly notate that a investigation was done in the comments section on neither accounts. XX/XX/2022 I wrote them a letter for the reasons I just specified. finally XX/XX/2022 I got back results and again they state they updated these accounts and NOTHING was updated. Nothing was changed. im tired of going back and fourth experian Is obviously in non compliance. they are generating false results to me wasting my time and causing damages to my credit report. with all that being said, I did not give these furnishers written instruction to furnish information on my consumer report under 15 u s c 1681b ( a ) ( 2 ) and under 15 u.s.c 1681 ( a ) ( 4 ) these furnishers are violating my right to privacy by reporting inaccurate information, treating my consumer report unfairly by generating me with false results still with errors and furnishing information on my confidential consumer report without my authorization. included are all paperwork to support this complaint.
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MS)

Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You First Round Dispute XXXX XXXX Experian XXXX XXXX   XXXX
Consumer complaint received 2023-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Foxstar Energy Resources LLC DBA Federal Student Loans Council (SC)

My name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My SSN # XXXX. Address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. On XX/XX/XXXX, I was on line looking for student loan forgiveness. I have been a XXXX for XXXX yrs and lost my 2nd job due to covid on XX/XX/XXXX. I have had XXXX  twice and was in recovery. Student loan company were calling me about my debt. I could not afford to make the payments. Like I said I was looking for forgiveness, since they have that available for teachers after XXXX yrs of service. I called True Solutions and spoke to XXXX. He said they could guarantee complete forgiveness of all my student loans. It is for nurses. If I pay XXXX dollars a month for XXXX they will forgive my loan of XXXX. I ask how can I be sure it is legal, he said the calls will stop and you can call your student loan company and they will tell you don't owe money. When I called that is exactly what they said. I didn't know it was just a deferment. I started questioning it after making payments to them when I looked at my credit report and found they had been grayed out of my credit report. I tried several times to call them but no response. I kept getting letters in the mail for a bill with XXXX XXXX XXXX asking for money. They said they are the finance company for True Solutions. I told them I did not believe the company was legal and I'm not pay any more payments until I speak to True Solutions. XXXX XXXX continued to notify my credit report for delinquent payments. A month ago I was on line and saw where there was a class action suite for people like me who were scammed by companies like mine promising the same thing loan forgiveness. The law suite was for people from XXXX, and they were awarded money. What I don't understand if these companies were under investigation why were they still allowed to continue to scam people like me during a Pandemic? I've been trying for years to buy my own home but due to this situation my credit score is suffering. Why do these companies continue to stay open. What can I do to get justice for this?
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report : XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account I believe that these accounts have been inaccurately reported to the credit bureaus, and I am requesting that they be removed from my credit report.

According to the Fair Credit Reporting Act, credit reporting agencies must investigate disputed items on a credit report within 30 days of receiving a dispute. I am requesting that you investigate these accounts and remove them from my credit report if they are found to be inaccurate or incomplete. 

I would also like to request that you provide me with a copy of my updated credit report once the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-05-05
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. (NY)

I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my son.
Consumer complaint received 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX  ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You First Round Dispute XXXX XXXX XXXX XXXX Transunion XXXX
Consumer complaint received 2019-11-03
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 (MD)

You have reported my Walmart account closed in XXXX and again in XXXX. My account was paid in full. Please delete both accounts off my credit report. I havent had a Walmart credit card since XXXX. Please update this with the credit bureaus as well
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello on XX/XX/2018, there was a hard pull on my credit report from the XXXX dealership, and I've never applied, financed, or leased to get any car from that place.
Consumer complaint received 2019-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (CA)

Back on XX/XX/2019, I sent to the three major Credit Bureaus a request to stop collection activity in a Wells Fargo card svc account # XXXX, since this account was fraudulently opened, and Wells Fargo received the Police Report and FTC that the Credit bureaus sent them, but are still trying to collect and send me notices. 

I am demanding that Wells Fargo stop all collection activity and cease any collection or reporting efforts. Please help me to solve this issue since Ive been doing everything in my hands to fix this but Ive been ignored. 

Attached : - FTC Report - Police Report - Collection letter I got from WF