davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (NV)

I applied for a refinancing mortgage with Navy Federal and received a loan estimate dated XX/XX/2019 with the rate locked through XX/XX/2019. I was charged {$620.00} for Navy Federal to conduct an appraisal of my home. After submitting additional paperwork it was submitted for final review. I received a call from the loan officer on XX/XX/2019 stating it was declined because they could not confirm my employment. My company 's HR department did not recall anyone from Navy Federal contacting them, and I emailed the Navy Federal loan officer cc'ing senior leaders in our HR department. The HR senior leaders confirmed my employment by email and requested that the loan officer call the company 's main line and ask for HR so they could confirm. The loan officer refused to confirm employment and flatly stated the application was denied. They refused to take any other corrective action on this matter, and now I have a loss of {$620.00} as well as the present value of higher interest payments since market interest rates have moved up in the meantime.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It may concern. 

While looking at my Credit Report. I have noticed the following accounts had Major Discrepancies This Letter serves as a formal complaint that you are reporting inaccurate and incomplete Information on my Credit Report. 

XXXX XXXX XXXX Shows a Balance of XXXX  was Closed/Charged off in XXXX  but is still showing up Falsely? This should reflect A XXXX  Balance. THIS IS A VIOLATION OF THE FCRA 15U.S.C.1681i ) It is my understanding that all Items should be correct on my report. Account Status should show PAID And Payment status should state CURRENT! Please Delete ASAP Last Active in 2017 These ( CHARGE OFFS ) ARE REPORTING Payment History each Month which should NOT since the accounts have been either closed/charged off?? This is falsely Manipulating the Statute of Limitations which is a Major FCRA Violation!!

Because of this apparent neglect in assuring everything in my credit report is accurate, consistent, and up to date Please DELETE these Items Immediately!!

It is my understanding that under the FCRA 15 U.S.C 1681 ( i ) ( a ) every single one even each any or all of the unproven, non-complaint, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety, or the alleged accounts are to be completely Deleted. 

By the Provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2Compliance regulations, I demand that these above-mentioned items be Actually Investigated and DELETED from my Report. 

I have reached out to XXXX and XXXX, and they have corrected my report. Due to Not being able to Verify the above accounts. So, I know for a FACT that you can not accurately do so? 

YOU ARE THE ONLY AGENCY THAT HAS IGNORED ALL MY PREVIOUS REQUESTS I ask that someone please fix my report, so All are reporting the same. I request that All of the above Items be DELETED on my Report... 

Thank you for your help in correcting these Items. 



XXXX XXXX XXXX
Consumer complaint received 2022-10-07
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. (LA)

In accordance with the fair credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2021-10-01
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. (TN)

I submitted a dispute to Transunion on XXXX disputing an account that was reporting in error. The account name is XXXX XXXX that is reporting errors on various platforms and TransUnion is reporting the information and has refused to fix the error. The errors are as follows : 1 ) It is reporting in collections 2 ) It is also reporting as past due 3 ) It is also reporting that payments are being made These inaccuracies are causing me financial harm I requested an investigation and they did not remove the account as requested due to the multitude of inaccuracies across various reporting platforms that they supply information to.

They are in violation of The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) is a federal law that governs how a credit reporting agency ( CRA ) handles your credit information. They have failed to protect the integrity and privacy of my credit information. The FCRA requires credit reporting agenciesand the entities that report your credit information to them and othersto ensure that your information is fair and accurate, and kept private. The FCRA protects your right to access and correct any inaccuracies in my credit report and has failed to provide me with remedies if a credit reporting agency or information furnisher violates my rights.
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

The only an address on my Experian credit report should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX All other addresses on my report need to be removed immediately. 

USC, 1681 and USC 1681s2 These laws say that I have a right to privacy, and anything else added on my credit report without my permission needs to be removed
Consumer complaint received 2020-07-10
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. (AZ)

I have tried numerous attempts trying to resolve this with an Equifax manager and two different representatives. What they ended up doing is removing my maiden name used for my credit file when I specifically asked them not to. I never gave consent for this and when I tried calling the manager he said that it can't be undone. Imagine that! A mistake they made It can't be undone.I had originally asked them to remove a name on my credit file that was never me XXXX XXXX they did that and removed everything beyond my current legal name.also XXXX  XXXX or my mortgage lender can not pull up my credit score from Equifax because they are getting an error code XXXX. When I brought this up to their attention they said there's no blocks and nothing preventing anyone from pulling my credit from Equifax.why is it then that neither XXXX  XXXX or my mortgage lender can not pull credit? This company is nothing but incompetent and a disappointment.I find it hard to believe that the government even allows this company to continue existing especially after all the breaches they've had.Never have I experienced such an incompetent group of people who have no solutions or no resolutions to even begin to look into what I'm requesting them to fix. I spoke to them last Friday XX/XX/XXXX and a couple of times before in the same week.I want my previous maiden name restored back on my records and I also want the ability to have creditors or mortgage lenders pool my credit score for confirmation as I'm trying to obtain the mortgage loan. Their lack of resolution and customer service is unacceptable. To top it off I can't even create an account because it says that I don't exist. Whatever it is they did to mess up my credit file they need to fix it.
Consumer complaint received 2023-02-06
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. (GA)

I sent letters to all three credit reporting agencies stating the following : There are things on my credit report that I believe are inaccurate and false, I want you to know that I take my financial obligations very serious, and if it werent for these few inaccuracies, Id have an excellent repayment record. Please consider this a formal request to investigate and correct the following items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I ask that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Item Number Company Name Account Number Comments 1. Late payments XXXX XXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX. Late Payments XXXX XXXX XXXX XXXX XXXX  This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX Late Payment XXXX XXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX. Late payment XXXX XXXX XXXX XXXX XXXX XXXX This is not consistent of my timely payments, is not reported across all credit reports, & in inaccurate. 

XXXX .Inconsistent open dates Throughout credit reports Not consistent among the three. 

XXXX. Inconsistent payment date Throughout credit reports Not consistent among the three. 

XXXX. Inquiries done by XXXX XXXX XXXX XXXX  which I do not recognize.
Consumer complaint received 2020-11-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (KY)

Last month, XX/XX/XXXX, my account showed {$350.00}, but it should have showedcat least {$900.00} or close to that amount, when I went to buy furniture it showed {$250.00} just about all year I have kept over {$1000.00} in my account once I received the stimulus paymdnt of {$1200.00}, XXXX was when innoticed the first discrepancy. I contacted the manager but I have not received a call back, then I called the fraud line. I have my checkdeposited monthly bb & t Bank, also I applied for the Covin Loan but???
Consumer complaint received 2019-11-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My monthly statements confirm that my mortgage servicing company has made the home that I purchased in XXXX un-affordable by increasing my interest rate from 2.375 % to 5.375 %, and my monthly payment from {$900.00} to {$2900.00} during one 12- month period as follows ; XX/XX/XXXX - 2.375 % interest, with {$900.00} monthly payments -- - XX/XX/XXXX 3.375 % interest, with {$2900.00} monthly payments -- - XXXX 4.375 % interest with {$2700.00} monthly payments -- - XX/XX/XXXX - 5.375 % interests with monthly payments of {$2900.00}. 

Twelve months ago, I followed my servicer instructions, with assurance that they would not foreclose, if I submitted an application along with financial information, and continued to make my {$900.00} payments, because I was entitled to get a modification of my loan by either a reduction of principle, reduction of interest, or an extension of the pay-off period to lower my monthly payment I.e. a new 20 year mortgage. 

To date however, despite my compliance with their instructions, my servicer has stalled my request for modification of my loan, by continuing to ask for more and more and more new information and resubmission of information already submitted, during which time they turned my loan over to there attorney to start foreclosure, because I continued to pay the {$900.00} amount ( as instructed ), instead of the increased interest rates and monthly payments. 

Upon notice of foreclosure, I was able to come up with and pay the difference between my previous {$900.00} and now {$2700.00} monthly payments to bring my mortgage loan current, with no assurance that they would provide the modification assistance that I need to make my loan affordable ... so that age XXXX I can live near my children that can provide the help that I now need going forward.
Consumer complaint received 2017-07-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: URS Holding, LLC (NY)

In XX/XX/XXXX I leased XXXX XXXX and in XX/XX/XXXX, I returned this car. I leased XXXX XXXX XXXX from XXXX XXXX XXXX. Before I leased this car, they run my credit history and never missed any payment and have an excellent credit history. 10 days ago I received call from the company All Trans Financial, Phone number XXXX. XXXX XXXX threatened me that they I owed money. I explained him, that I can not get new car from the same company if I owed money. Every month money goes directly to XXXX XXXX  from my checking account. XXXX not only threaten me also told me that Trump can deport you. He called me many times to my house and my cell phone. I did not owe a single penny to XXXX XXXX. You can check my credit history that my XXXX account closed and never make any late payment. Please stop them to play with my credit history. I explained XXXX that why XXXX company never called me and they gave my new car if I owed any money. Please help me. I XXXX XXXX in University and never owed any money.
Consumer complaint received 2017-10-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MA)

Borrowed {$20000.00} in XXXX. Have paid {$14000.00} in interest. I now, XXXX years later, owe {$21000.00}. Navient has just driven my payment from XXXX a month to XXXX! Please help. This ca n't possibly be legal!
Consumer complaint received 2021-12-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dominion Law Associates, P.L.L.C. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files.
Consumer complaint received 2021-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CreditNinja Lending, LLC (TX)

I received a letter from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX ) stated I owed over {$400.00} with creditor CREDITNINJA. I never opened an account with CREDITNINJA or apply for a loan.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Credit acceptance keeps reporting my accounts wrong. I havent made a payment since XXXX of 2017. But they say i am only 120 days late. My accounts should not be in my current revolving history. They should be in my derogatory closed sccounts. The XXXX  should be removed. Its beyond XXXX yrs.
Consumer complaint received 2021-03-31
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: EQUIFAX, INC. (TN)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a payment to Bank of America on XX/XX/XXXX of {$250.00}. My account was closed on XX/XX/2019 and the balance at that time was {$17000.00}. 

When I closed the account due to unfair and deceptive practices, the agreed upon APR of 0 % was applied to a balance of {$8800.00} and {$8200.00}. I closed the account in XXXX. The agreed upon APR on the balances was 0 % and the agreed upon minimum payment was {$200.00}. 

Bank of America, changed the agreed upon 0 % APR on XX/XX/XXXX, on both balances to 24.99 % and changed the minimum payment changed to {$550.00}. 

The agreed upon APR when the account was closed back in XXXX was 0 % on all balances with a minimum payment of {$200.00} and I didn't agree to any changes. I made a payment of {$250.00} and Bank of America is reporting to the Bureaus false information about my payment history. 

The current account balance is {$17000.00}.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc. (WA)

Paypal credit made a hard inquiry to XXXX recently. I have contacted them to remove this hit to my credit, and I am having issues getting it removed. I have requested no credit line from them in several years. The person I spoke to advised there is no wat for him to remove this. Now, I can only hope to go through XXXX to get it removed, and who knows how long it could take.
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

Citi Rewards Plus card claimed to to give back 2 thank you rewards per {$1.00} spent for gas stations and regular grocery store purchases .... when using the cars at XXXX which is nationally recognized petroleum company who operates thousands of gas stations over the US i noticed i was getting back 1 point per {$1.00} spent. did a chat session with customer service on XX/XX/2019 and advised the CS rep of the issue but didn't really took the effort to research and tried to blame Master Card for miss categorizing XXXX  as gas station and showing as an auto service instead! i have advised the rep that this is a clear violation of CFPB and should escalate immediately to his compliance officer to correct the problem he ignored me and back to blame Master Card, told the rep to XXXX XXXX but didn't seem interested in taking any action. This is a clear violation and i am being cheated of my thank you points which they advertise heavily. I have many other cards the give me the additional rewards when using gas stations ( XXXX included ) but i feel that this is a way to trick consumer to use this card so Citi can benefit without giving back what they advertised.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NAVY FEDERAL CREDIT UNION (GA)

XX/XX/XXXX I was a victim of a hard pull on my credit by a company called XXXX XXXX which I have no account nor affiliation with. I wasnt aware of the fact that Id have my credit reported to this company. 
Again XX/XX/XXXX I was a victim of a hard pull by the same company with no recollection of consent to run my credit report. 
XX/XX/XXXX I was a victim of another hard pull from Navy Federal. In which case I do not recall giving any permission for them to run my credit score.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Due to the data breach at Experian I decided to put a freeze on XXXX XXXX, XXXX on my credit to help prevent issues. However, of the XXXX credit agencies, Experian made me pay a {$10.00} fee to do this that the other XXXX did not. I feel this is wrong since they were responsible for data breach and now asking for us to pay to protect ourselves??? I think you need to get them to refund these payments since they did not adequately protect consumers information. Thanks, XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Duncan Solutions, lnc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681section 602 A. States i have a 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 2023-02-06
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. (MA)

Dear XXXX XXXX XXXX ; Still multiple inaccuracies ..... Impossible that this can be verified as accurate? How? it's reporting incomplete, inaccurate, misleading, and multiple inaccuracies. therefore it's in violation of sections 609 & 611 of FCRA. It's unverifiable. Delete now!!!. I also read several previous file lawsuit cases for this auto lender here ; for example where they were in infriction with the consumer laws and mistreating clients during the process. ( Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX FILED : XX/XX/XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FILED : XX/XX/XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FILED : XX/XX/XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FILED : XX/XX/XXXX XXXX ;