davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Lendmark Financial Services (AZ)

LENDMARK opened and charged off my ACCOUNT in ONE year of XXXX that's fine but it has been on my credit report for FOUR years. Negatively impacting my credit score and chances at my unlimited credit. Charged off accounts can not be on my report for several reasons. 

-it is inaccurate reporting once charged off report positively or remove from credit. there is no reason for them to keep reporting negatively on my corporation. that's illegal -charged off is a XXXX certificate of indebtedness which means it is reporting as income, and income can not be on my report. correct me if I'm wrong, I am not an attorney. it needs to be removed immediately. The company was already paid, they are greedy and want to be tendered again, when they received their write off already. I want the 1099 B they filed on me too. They are so greedy and I'm sick of it. 


they can not collect on a charge off because its a benefit of the tax deduction of bad debt. I have suffered injuries as LENDMARK has been reporting falsely on my account to all 3 reporting agencies. They damaged and ruined my credit by reporting " non payment '' knowing they received a write off. " internal credit " they never reported my account to XXXX I know that my purchase agreement was FRAUD, and supposed to be a CASH ADVANCE, but they mislead and deceived me by making me think it was a loan and in FACT IT WAS NOT A LOAN. I gave my car back and have been seriously injured ever since. 

THEIR FRAUD followed me four years and it impacted me so that I can not take care of my off spring, dealing with unspeakable acts to survive without my own vehicle. 

Also they sold my car for XXXX $ + this why the write off is lower.
Consumer complaint received 2022-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CO)

To Whom It Concerns : Barclays Bank is fraudulently trying to charge me for an apparent XXXX XXXX subscription that I neither requested nor authorized. The charge was put through on a previously closed card number ( which I reported lost/stolen ). Barclays themselves wrote me a letter ( twice ) acknowledging the fraud/error, and said they would be crediting my account. They have since backtracked on this agreement without providing me any further information though I have called them multiple times. I therefore closed the account after paying all valid charges. But they have decided to report me delinquent and are attempting to collect the fraudulent charge and fees.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (CA)

Hello CFBP I have seen multiple inquiries on my credit profile that I dont recognize. 

Under the federal law, I am protected against any type of identity theft and bad use of my credit profile. 

I did not give my permission for those lenders to run my credit. 

Those inquiries are affecting my credit score and are not letting me get the best options for credit cards and loans. 

I will describe the inquiries as follows : XXXX CREDIT REPORT SHOWS : XXXX. XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX CREDIT REPORT XXXX. XXXX XX/XX/XXXX As I mentioned before my permission was not given to those lenders to run my credit I wish the CFBP protects me and help me to delete those hard inquiries from my credit profile. 

Thank you
Consumer complaint received 2022-11-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (CA)

I submitted an order on XX/XX/2022 for {$3000.00} transfer to XXXX through WorldRemit Corp . 
They did not fill my order and I requested to cancel this order on XX/XX/2022 and they agreed on the cancelation on XX/XX/2022. But I have not receive the money yet. 

I requested the dispute from XXXX on XX/XX/2022, but XX/XX/2022 the bank told me the merchant rejected our dispute. 

I called WorldRemit and XXXX many times. 

The bank said they don't have the money asked me to call the WorldRemit, the WorldRemit said the only authorize the money, didn't take it from my account. It has been released. 

But I didn't get it yet.
Consumer complaint received 2023-03-11
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: Navient Solutions, LLC. (MI)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under [ 15 U.S.C. 1681 ] section 602 states I have the right to privacy [ 15 U.S.C. 1681 ] section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under [ 15 U.S.C. 1666 ( b ) ] a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Requested information on the " School Misconduct Discharge '' letter that NAVIENT has been sending to others from my school, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. They have been unable to provide any information to me about this. This is in regard to my wife 's private loan that I am currently a cosigner on. 

We both filed borrower defense to repayments for our debt and the federal debts are in the process of being discharged, refunded, and credit repaired, however, we need to apply for the private debt discharge via this method as well, since our school has been found to have been grossly negligent and has a long history of misconduct. 

Thank you for helping us look into this.
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc. (PA)

I have had a bank withdrawing from my account with cash appIve reached out several times to explain I do not have this account and nothing is attached to my crash app account. When asked for proof that I authorized the transactions they sent me a line item showing the transaction went through nothing proving I authorized it even though I explained I had not.
Consumer complaint received 2023-02-08
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. (NJ)

I have XXXX Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/2021 Open/closed Closed Status Chargeoff Past due amount {$4900.00} Fraudulent Account : XXXX XXXX  XXXX Account XXXX XXXX Date opened XX/XX/2021 Open/closed Closed Status Chargeoff Past due amount {$7300.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/2021 Open/closed closed Status Chargeoff Past due amount {$3500.00} Fraudulent Account : XXXX  XXXX Account number XXXX Date opened XX/XX/2021 Open/closed Open Status Late 150 Days Past due amount {$4100.00}
Consumer complaint received 2023-06-17
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: EQUIFAX, INC. (GA)

in accordance with the Fair Credit Reporting act XXXX XXXX #, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX xxxxx XXXX XXXX XXXX XXXX XXXX xxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEBT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Consumer complaint received 2023-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Recently I've opened a checking account with Bank of America and yesterday I made two atm deposits in the amount of {$100.00} each ( {$200.00} total ). 
Since I bank with XXXX XXXX XXXX XXXX but live far from a physical branch, after making my deposit with Bank of America I proceeded to make a phone transfer through XXXX XXXX XXXX XXXX in the amount of {$200.00} from Bank of America to my XXXX XXXX XXXX XXXX account. 
After entering my debit card information to process the transfer, the automated voice said that there was a problem with my transfer and the transaction was not completed and funds did not post to my account. 
I immediately checked my Bank of America account and noticed that my balance was showing XXXX and my {$200.00} funds were no longer available. 
The {$200.00} was showing as a pending transaction on my Bank of America list of transactions, so I contacted XXXX XXXX XXXX XXXX to find out why my card funding transaction was not posted to my account and spoke to XXXX, who just told me that there was an address mismatch, but she said that she does not work day shifts and didn't know how those transactions were processed. 
Today I contacted Bank of America XXXX XXXX to find out the reason why the {$200.00} transaction was showing pending, but funds that should have been posted immediately to my XXXX XXXX XXXX XXXX account for those types of transactions were not showing there. 
I was treated with very little respect and on a condescending way by representatives who did not resolve my issue or offered any resolution for my problem. 
I then contacted XXXX XXXX XXXX XXXX again and spoke to a representative who told me that Bank of America declined my transaction and funds will not post to my XXXX XXXX XXXX XXXX. 
Since yesterday my funds in the amount of {$200.00} are missing and both Bank of America and XXXX XXXX XXXX XXXX keep pushing the situation to each other and I don't have a reverse credit on my Bank of America account or a credit on my XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-10-24
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. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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 2023-09-29
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: Mr. Cooper Group Inc. (NJ)

Please refer to document XXXX for pre -submitted supporting documentation. 


XXXX XXXX XX/XX/2023 Subject : Complaint Regarding Retaliatory Tactics and Account Status Changes To whom it may concern, I am writing to express my deep concern and dissatisfaction with the recent actions taken by Mr. Cooper Mortgage Company in response to my complaints. It has come to my attention that the company has engaged in what appears to be retaliatory tactics, specifically impacting my account history through repeated status changes. 
To provide context, I have been a loyal customer of Mr. Cooper Mortgage Company for almost 20 years and have always made consistent and timely mortgage payments. However, over the past few months, I have encountered various issues with the company 's services, which I have brought to your attention through multiple complaints.

My concerns primarily revolve around inaccurate reports on my credit statements, which are CONSTANTLY CHANGED FROM TIME TO LATE. This is poor customer service, and it's been happening since XX/XX/2023. During my efforts to address these issues with your customer service department, I have observed an alarming pattern of account status changes that directly affect my credit history and financial stability. 
It is disheartening to note that these status changes have occurred immediately following each of my complaints. While I understand that mortgage companies may need to review accounts periodically, the timing of these changes raises severe concerns about the company 's motivations and intentions. The sudden negative impact on my credit score and the financial stress these actions have caused me is entirely unacceptable.

I believe in open and honest communication to resolve issues, and I expect the same from a reputable company like Mr. Cooper Mortgage. I sincerely hope you will take my complaint seriously and investigate the matter thoroughly. I kindly request the following actions be taken : A comprehensive review of my account history focuses on recent status changes.

Transparent communication regarding the reasons for these status changes, particularly their correlation with my complaints.

Prompt correction of any inaccuracies or errors in my account history. 
Assurance that no further retaliatory actions will be taken against me due to my complaints.

I believe in fair treatment and resolution of issues, and I trust that Mr. Cooper Mortgage Company shares these values.

Thank you for your attention to this serious issue. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I lived at XXXX XXXX XXXX XXXXXXXX XXXX  for majority of my lease agreement before moving out due to health and hazardous conditions ignored. I gave ample notice that I was moving and why I was moving and I was granted approval. I have responded to every letter they send with the same information and I never get a response. I have sent XXXX regular letters and XXXX certified letters. This debt does not belong to me as I moved out and gave notice months before these charges. Please see lease agreement and email communications attached.
Consumer complaint received 2023-12-09
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NJ)

I attempted to use my {$100.00} Amex Gift Prepaid Gift Card on XXXX on XX/XX/XXXX on a purchase totaling {$99.00}. Unfortunately, the transaction failed due to the payment method being declined. Following XXXX 's suggestion, I contacted American Express on the same day. They assured me that there shouldn't be any issues with using Amex Gift Cards on the XXXX site and recommended trying to use less of the balance on the card. Subsequently, I made another attempt on XXXX with a {$90.00} purchase, but the payment method was declined once again. Despite trying multiple other online retailers and in-person purchases at various stores, I am unable to complete any transactions. I've also contacted American Express in an attempt to request a refund, but they have not been willing to assist.
Consumer complaint received 2017-05-02
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CNG FINANCIAL CORPORATION (AL)

I was contacted by a rep claiming I owe debt to a  XXXX  loan company. Which I do not owe and have asked repeatedly for them to send me verification of original debt, they refused and told me to pay by credit or debit card. If I refuse they will have police arrest me.   A rep by the name of   XXXX   XXXX  ,   XXXX ,   XXXX    and   XXXX   XXXX    have repeatly called my job with threats and cursing me when I refuse to give them my card info. My employer is threaten to relieve me due to constant calling from this company. I asked for address, and representative number and they refused.  XXXX   XXXX  stated I was stupid because I would not allow him to get my financial information. The collection practices of this company are far from practices of a legit collection company. I ask that something be done to alleviate this harassment and have this scam company be held accountable. Last contact was on   XXXX   XXXX   and I was contacted on my job 8 times with threat after threat by different reps and giving me different company names and amounts owed.
Consumer complaint received 2023-06-17
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. (MI)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-02
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. (MO)

I sent out several dispute leeter stating to remove incorrect items the are reporting on my credit reports if u cant show me original documents stating the debt is mine or show me proof of what u verified.
Consumer complaint received 2023-08-11
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. (FL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2017-05-02
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. (MO)

I sent out several dispute leeter stating to remove incorrect items the are reporting on my credit reports if u cant show me original documents stating the debt is mine or show me proof of what u verified.
Consumer complaint received 2021-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (CA)

XX/XX/2020 I received a letter stating that I owed XXXX XXXX a sum of {$610.00}. At the time, I put it off because I believed it to be false. But, over time I kept getting repeatedly called about it. I was told by XXXX that I made a purchase of {$610.00} out of state. While I do have an account with XXXX XXXX, I have never made a purchase of this amount with XXXX XXXX. The company attempting to collect this debt from me is Credit Management LP
Consumer complaint received 2020-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE DISPUTED INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE INQUIRIES REMOVE OFF MY CREDIT. PLEASE HAVE THESE INQUIRIES COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act the list of account ( s ) below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 states : I have right to privacy. 15 U.S.C 1681 section 604 A section 2 it also states : a consumer reporting agency can not furnish an account without my writing instructions. XXXXXXXX XXXX account # N/A. 15 USC 1681b paragraph ( c ) states : the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. please view attachment. The attachment i have uploaded is a print out of my XXXX XXXX account and i have circled the information that is clearly unauthorized and inaccurate. i did not received a loan from this agency. Also under 15 USC 1681b where it states : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with