davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (VA)

I had XXXX recently and could not pay my payment on time. Due to being sick and not answering the phone when they called I had a late payment. Not from being negligent but from being XXXX. I. I ask XXXX do they ever remove late payments. I was told no which I know is not true and I have documentation to prove it. I have worked really hard my credit and this one mishap from being sick wipes all my hard work away. Could you please consider removing the recent late payment. Thank you!
Consumer complaint received 2023-02-27
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. (CT)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX NY XXXX XXXX ID # XXXX, DIVISION OF CHILD SUP EN # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-26
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. (OH)

XXXX XXXX is reporting inaccurate information on my credit reports. On XXXX, they are reporting that I owe {$150.00}, with a high balance of {$210.00}. On Transunion they are reporting a high balance of {$570.00} with a balance due of {$150.00}. On XXXX they report a high balance of {$0.00} and past due of {$150.00}. All the dates of activity and payment dates are also different on each credit report. I've disputed the account as inaccurate several times and have gotten nowhere. XXXX XXXX has been automatically withdrawing money from my bank account, so none of the information being reported is accurate. I'd like the information accurately reported or removed from my credit report.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX These inquires was unauthorized
Consumer complaint received 2023-05-06
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)

It is illegal to record transaction history according to 15 USC 6802-6805 16cfr 313, 15 usc 1681 fair credit act, privacy act of 1974, Fair debt collection practices act 16 cfr 433.1 definitions .2 .3 Charge off is considered a certificate of indebtedness which means it is income and must be removed from XXXX XXXX and Experian and all other credit reporting agencies
Consumer complaint received 2023-05-06
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: EQUIFAX, INC. (PA)

NOTICE OF DEFAULT OPPORTUNITY TO CURE Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Equifax for their violation of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). Equifax has failed to comply with my request for information about my credit report and has stalled the investigation for over 30 days, which is a violation of the FCRA.

Furthermore, Equifax has not provided me with the proper forms pertaining to GLBA, nor given me the option to opt-in or out, violating my right to privacy. Their noncompliance has caused me immense mental and emotional stress and has injured my credit worthiness. Equifax has furnished inaccurate information on my consumer report and destroyed it, making it impossible for me to obtain loans. 
I strongly believe that I should be compensated for all the harm I have suffered due to Equifax 's noncompliance and willful neglect. I urge the CFPB to take immediate action against Equifax to ensure that they comply with all laws and regulations related to consumer credit reporting. 
Thank you for your attention to this matter. 

Sincerely,,
Consumer complaint received 2023-05-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (TX)

I made two payments on XX/XX/XXXX which resulted in an overpayment. The first was in the amount of {$550.00} which was a normal monthly payment. Later that same day, while the first payment was pending, I made a payoff payment for the full loan balance of {$22000.00}. 

This resulted in the loan being closed out as paid in full before the first payment cleared. The {$550.00} payment cleared out of the payment account with XXXXXXXX XXXX on XX/XX/XXXX but was never credited to the loan account at Navy Federal Credit Union. 

I contacted NFCU on XX/XX/XXXX and was told that the payment would be automatically refunded back to the issuing bank. On XX/XX/XXXX this had still not happened so I contacted NFCU again and was told that the first rep was incorrect and they would need a copy of my XXXX  account statement showing the transaction had posted before they could refund the overpayment, and that it could only be applied to a NFCU bank account, not refunded back to XXXX. I supplied the requested bank statement for the full month of XXXX on XX/XX/XXXX. 

On XX/XX/XXXX I received correspondence from NFCU that they would not accept my XXXXXXXX XXXX statement because while it shows the posted transaction and cleared date, it does not contain a running balance. I have no control over how XXXXXXXX XXXX formats their account statements. It has been 11 days, so at this point the ACH transaction has long cleared on NFCUs side to show that the transaction was not rejected by XXXX. 

At this point NFCU is unwilling to refund my overpayment.
Consumer complaint received 2023-05-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/2023, I requested to withdraw {$65000.00} from my XXXX XXXX account, run by Goldman Sachs. After seven business days as of today, this transaction is not yet complete and it's unclear Goldman Sachs has even started processing this transaction. I've been told by Goldman Sachs support that this transaction is " in the queue '' and that there's nothing I can do but wait more time. Their product experience says this transaction should take 1-3 business days, their support says 5 business days and we're now past that. They can not explain why this is being delayed nor how long it will take. I need to have access to my funds. I think this is inappropriate and Goldman Sachs is withholding my money from me. I have been calling Goldman Sachs every day since the third business day after my request.
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: EQUIFAX, INC. (MI)

XXXX, Equifax and XXXX received a copyright notice and copyright infringement notice on XX/XX/2022. They have ignored notice and are in violation of notice. They are also in violation of the following USC law/codes 15 USC 1681 ( a ) ( b ) ( 2 ) ( i ), 15 USC 1681 ( b ), 15 USC 1602 ( l ), 18 USC ( 8 ), 18 USC ( 501 ), 18 USC ( 1341 ) ( 1342 ) ( 1343 ), also UCC 3-302 ( 1 ), UCC 3-305, UCC 3-104 ( b ). If the said companies do not comply immediately I will be forced to take legal actions in civil court.
Consumer complaint received 2023-05-30
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. (NJ)

I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. I am formally requesting that these matters be investigated properly and immediately. The account information listed directly below is inaccurate, and I dispute the validity of each. As per the FCRA you must delete all entries to my credit file that can not be proven to be accurate. Likewise, you must provide me with your Method of Verification. You are a partial owner of the E-OSCAR system, which has proven to be unreliable for the intended purpose of my dispute and does not constitute the legally required independent investigation that you must conduct.For clarity, the sections of the Fair Credit Reporting Act of 1970 which are referenced within this letter are : Section 604, Section 609, Section 611, and Section 623. I will assume that by the very nature of your business, I do not need to provide definitions of what is covered under each of these sections individually.
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I opened a  XXXX   XXXX  in  XXXX  of  2017 . Upon reviewing my hard inquiries, they did two credit checks on   XXXX /17  -  one  with Experian and one with   XXXX  . I was told that there would be one hard inquiry in order to open up a credit card with them, so a second inquiry must have been done in error. I need this pulled.
Consumer complaint received 2023-05-06
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. (NC)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment ( s ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 
XXXX XXXX XXXX XXXX XXXX  I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof or if lacking proof of these payments being late please update my payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection laws.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-30
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-07-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I have submitted several written disputes with the collection agency asking them to remove the fraudulent information they have reported . Midland Credit Management is  stating that I owe  XXXX   XXXX   XXXX  {$670.00}. This information is false. I have never had a account with  XXXX   XXXX    XXXX  . Nor have I ever taken out a line of credit for {$670.00}. Several requests were made to the credit bureaus and  Midland Credit Management  requesting the following : -Documented proof that a line of credit was issued for {$670.00} -Documentation from  XXXX   XXXX    XXXX   authorizing  Midland Credit Management to collect t he debt -Documented proof that I applied for this line of credit -Documented proof showing my identity was verified following secti on 16 of  the FCRA -Documented proof showi ng payments we re made by me on this line of credit -Documented proof showing the dates within the credit file are correct -Documented proof showing the debt collector is the second collection agency to purchase this debt following FCRA guidelines.      Midland Credit Management  has falsified their reporting and the credit bureau has failed to request these documents from the creditor. This item needs to be removed from my file.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.
Consumer complaint received 2023-05-30
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. (NY)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.
Consumer complaint received 2023-05-30
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. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (IL)

There were fraud charges on my account and I was notified because I got an email that charges went over my credit limit. I contacted Discover and they promptly opened a fraud case and sent me a new card. The scammer however was able to make a {$3000.00} payment via Discover 's automated phone system, using my bank account I had stored with Discover, that applied to my account 2 days later. This was XXXX XXXX. 

I contacted Discover in a panic because my bank account was negative. The agent assured me they would return the {$3000.00} within 2 days to my bank account with XXXX XXXX. The next time I called it was 5 days. Then it was 10-14 days. Since then I have called Discover over 10 times, including one phone session that lasted over 2 hours. 

I now don't even want the money returned to my bank. I just want it applied to my Discover balance so my card is basically paid off and I never have to deal with Discover again. The last time I called on XXXX XXXX and the agent told me she would have a special team resolve it for me within 48 hours. Another lie from Discover, today is XXXX XXXX. 

They have been holding my {$3000.00} in limbo- not applied to my Discover balance and not returned to my bank account.
Consumer complaint received 2023-05-06
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. (FL)

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 ; it also state a consumer report agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Vehicle was a total loss and insurance company and Gap insurance paid off what I had seen on XXXX XXXX XXXX  website there was XXXX Dollars due. 
3 months later I got a phone call from lender stating there was still a outstanding balance on loan. 

I told them I have never made a payment late and was not aware of any outstanding due and on the website shows nothing was due. 
I needed a few weeks to come up with the money and was told I would not have a negative remark on my credit report After paying amount in full MY CREDIT REPORT SHOWS CHARGE OFF PAID IN FULL. 

I DISAGREE WITH THAT ON MY CREDIT REPORT I PAID IT IN FULL
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: NAVY FEDERAL CREDIT UNION (NY)

This is to add on to my other XXXX complaints with Navy Federal Credit Union. So my minimum payment balance increased last month from {$150.00} to {$160.00}. I converted my reward points to cash to add to my balance for that month. I used my rewards to lower the balance of the {$160.00} down to {$88.00}. I did not know that by converting my rewards into cash to pay down the balance, that I would still owe {$160.00} and change still. So today, Navy Federal Credit Union sends me an email stating that they notice that in the past XXXX days that I have spent {$130.00} on my streaming services. Implying that if I got rid of my streaming services that I should have enough to pay on my credit card every month. Not mentioning that every XXXX days they are taking on {$100.00} of interest fees to purchases made in the past. Now this to me is a form a gaslighting because no matter how you cut it, I still wouldn't be able to play catch up with interest fees every XXXX days. And then they want to get back to me in XXXX days? This is unacceptable because there will still be more interest fees that I will incur.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SLM CORPORATION (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.