vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I have an auto loan with NAVY FEDERAL CREDIT UNION in which I never appointed NAVY FEDERAL attorney-in-fact with limited authority and I never provided a security interest in the vehicle as additional collateral to the promissory note. EXHIBIT A. 

However, on XX/XX/year>, I sent a notice to NAVY FEDERAL via their secure messaging portal concerning the revocation and removal of power of attorney and security interest '' to ensure NAVY FEDERAL understands there is no interest in the vehicle as collateral. EXHIBIT B. On XX/XX/year>, NAVY FEDERAL responded by stating, The documents you provided do not release you from your obligation to Navy Federal, and you remain responsible for the repayment of your debt ( s ). EXHIBIT C. 

NAVY FEDERAL responded again on XX/XX/year>, claiming that a power of attorney does not exist with the following statement, Navy Federal has not received any valid Power of Attorney ( POA ). Therefore, there is nothing to revoke with Navy Federal. EXHIBIT D. 

On or about XX/XX/year>, NAVY FEDERAL seized my vehicles to perfect the security interest despite receiving my notice along with denying that a valid power of attorney existed. 

My vehicle was seized without authority for the following reasons : NAVY FEDERAL is aware that I never agreed to provide NAVY FEDERAL security interest as a condition that was inserted on the face of the promissory note before initially returning it to NAVY FEDERAL, which was accepted without rejection. EXHIBIT A. 

I, XXXX, XXXXAgent, accept this promissory note, security agreement, and disclosure solely upon the condition that I receive all titles, rights, interest, and equity owed to XXXX XXXXPrincipal . The principal balance must be applied to the principal 's account. 

I revoked and removed the limited power of attorney and the security interest before the vehicle was seized. EXHIBIT B. 

NAVY FEDERAL denied that it received any valid power of attorney ( POA ). EXHIBIT D.

NAVY FEDERAL never received an authenticate security agreement per UCC 9-203 9 ( b ) ( 1 ) ( 2 ) ( 3 ) ( A ).

NAVY FEDERAL never perfected a security interest in the vehicle that was seized per UCC 9-310, because NAVY FEDERAL never filed a UCC-1 statement as evidenced by the enclosed Georgia UCC CERTIFIED SEARCH REPORT . I am the only person who has a security interest in the vehicle because I filed a UCC-1 listing the vehicle as collateral. EXHIBIT E. 

The vehicle was never collateral that was subjected to any security interest per UCC 9-102 ( a ) ( 12 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Synchrony Financial provides credit services for the following business I secured credit from. 
XXXX XXXXXXXX XXXX XXXX XXXX - Synchrony Initiated close XXXX XXXXXXXX XXXX XXXX XXXX - Significantly reduced to {$300.00} ; XXXX without notice XXXX XXXX XXXX with a XXXX XXXX XXXX  In XXXX without warning they dropped my credit limit to XXXX resulting in an overcharge on my account and a reduced XXXX XXXX of XXXX points XXXX XXXX {$600.00} XXXX XXXX  XXXX initiated closing the account XXXX XXXX XXXX  new store credit account {$9000.00} My concern is regarding my credit score. The irresponsible actions they took regarding the lines of credit they provided initially has cost me XXXX credit points. 
Credit card calculations include Payment Record Public Financial Proceedings- ie : Cancelled debt, bankruptcy 's ect Credit usage ratio to awarded credit. 
Actions taken by Synchrony has created a negative impact on my credit rating as I paid off all credit cards with an active XXXX while maintaining a balance for the credit cards with introductory 0 % XXXX as I approach the expiration of the introductory rates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX, I wrote to the consumer reporting agencies to let them know, that you can not report income on a credit report. I have since received no response and the income is still reported on my reports as " charged off '' By XXXX, XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX You can not report income. Please reference the Privacy Act of 1974.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
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.
State: GA

Complaint narrative:
In XXXX, I wrote to the consumer reporting agencies to let them know, that you can not report income on a credit report. I have since received no response and the income is still reported on my reports as " charged off '' By XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You can not report income. Please reference the Privacy Act of 1974.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting 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.
State: NJ

Complaint narrative:
This account XXXX XXXXXXXX is not showing on my credit report and it should be it was removed made on a erroring on the lender Side.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I am unaware of this debt. I never received any notification of this debt and never had an opportunity to dispute this. This violates my federal rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
SoFi has frozen my account XXXX week ago, and wont tell me why. 

I started receiving debit fraud charges on XX/XX/year>. They are all from the same company, XXXX XXXX XXXX All of these transactions were pending for around 5 days before they posted. The first was an amount of {$23.00}, which posted on XX/XX/year>. The second was an amount of {$130.00}, posted on XX/XX/year>. After these two charges were pending, I had immediately called and had my debit card frozen and ordered a new one. 

XXXX more transactions were pending 10 days later, likely because this scam artist had hacked into my account number, not my debit card number. SoFi has never confirmed this. The first was an amount of {$16.00}, and the second was an amount of {$140.00}. I called again and asked to have SoFi stop this recurring payment on my debit card. They filed a dispute for this, then emailed me back a week later and told me that this transaction was not being posted through their XXXX system, so I had to reach out directly to the merchant to stop this recurring transaction. This merchant is not a real company, so I can not communicate with them directly, obviously. Both transactions posted on XX/XX/year>. 

During this time, SoFi froze my bank account. I have called them every day for the past week, and they have given me no further information on why my account has been frozen, or when I can expect to have access to my money again. All of my savings are in this account. 

Yesterday XX/XX/year>, I also recieved an email stating that the first debit fraud transaction I disputed was NOT found as unauthorized, and my dispute has been denied. If these transactions are being investigated as not fraudulent, then why is my account frozen? 

Please help is any way. I can not get any further information from them, and their vague answers are incredibly disheartening. I need access to my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
PLEASE I'M BEGGING YOU TO REMOVE THE FRAUDULENT ACCOUNT ON MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I need the address of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX REMOVED. 

I need all incoming mail from credit reporting or disputes to be mailed to : XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
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: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
On XX/XX/year>, I sent a certified letter to Bridgecrest Credit Company requesting copies of the authorized legal notices and proof of the commercially reasonable manner of the resale regarding a XXXX  vehicle that is being reported on my consumer report. The certified letter was delivered to the company on XX/XX/year>. According to North Carolina 's UCC G.S. 25-9-615 and G.S. 25-9-616, as well as State RISA and MVISA regulations, asserting a deficiency depends on providing all mandatory notifications on time and strictly adhering to permissible redemption and cure periods. The company has 14 days to provide me with the requested documents, which they did not. In my letter, I provided them with XXXX ( XXXX ) unique points of data with which to verify my account and provide the documents, those being my full name, account #, and VIN # for the vehicle in question. I am filing this complaint as I have not been provided with these documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: SC

Complaint narrative:
I want to report an issue with Amerihome Mortgage. They overpaid my property taxes to XXXX XXXX, and despite XXXX XXXX refunding the overpayment to Amerihome on XX/XX/2024, Amerihome has not reconciled my escrow account. 

As a result, they continue to bill me for an erroneous payment due and have reported negative information to the credit bureau, affecting my credit score. I request that Amerihome rectify this situation immediately and update my credit report and payment history accordingly. 

Loan # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I cosigned a loan with Synchrony Bank/Care Credit for my daughter. She is a single mother and having a difficult time financially. She missed payments but probably out of embarassment did not tell me. I could have paid the loan off. The account went to collections. I was not notified in any way. I found out about the problem when I applied for a Home Equity Loan. I contacted the bank and was told that because I was not the " principle '' they could do nothing for me. This issue remains on my credit report causing credit rates to be at higher levels. This is an unfair practice. Why bother with a cosigner? I took this problem to the company through XXXX and received a long inarticulate letter stating that they would not do anything to address the issue. This constitutes an unfair lending practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

Company response to consumer: Closed with explanation