davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lendmark Financial Services (NC)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that LENDMARK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-11-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

The location of the bank - OneWest Bank XXXX XXXX XXXX XXXX, CA XXXX On XX/XX/19 XXXX a.m, I was trying to using the OneWest Bank ATM to withdraw cash from my one of international debit card. 

After I selected the amount and typed the pin, there was no cash coming out. My card has been retained for no reason. 

On XX/XX/19 XXXX XXXX, I went to the branch of OneWest Bank and asked them to get my debit card back. I told them my bank told me my card & account is fine but if I need to get a new card, I have to go to their branch in person. Which means I have to fly to XXXX to get a new debit card. 

I don't understand why OneWest Bank retained my card and did not give it back to me. They just told me, " SORRY, WE CAN NOT GIVE IT BACK IF IT IS NOT ONEWEST BANK CARD ''. 

I withdraw cash from this international debit card so many times on these ATMs of XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. Even though I typed the wrong PIN or the fund was insufficient, they never kept or retained my card. 

As new XXXX, one of the most important ways to pay my bill or rent is getting cash from my previous international debit card. In the US, I believe everything should follow the law and the rule but OneWest Bank ignores all these laws and policies, they're trying to take the right of using my international debit card away. They want to force consumers to open their checking account and transfer all funds to their account. Otherwise, they will retain all the cards from different banks. That is totally unfair competition. 

Whoever it is, they must comply with the law.
Consumer complaint received 2022-07-07
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. (CA)

I do not have balances on none of my accounts, nor am I delinquent on such accounts. I have written letters to them and the credit bureaus with no resolution. 

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. 

- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXXXXXX Account # XXXX, has violated my rights. 
- [ x XXXX XXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXXXXXX XXXX Account # XXXX, has violated my rights. 
- [ x ] XXXXXXXX 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 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 2019-11-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

There is something fishy going on a Navient. I have tried to payoff my student loans twice this year. And both times they come back to me and say I owe more fees and interest. My last attempt was this month. After sending in the stated amount they said I owed to pay this off - they now say I own another XXXX on the last assessment of XXXX following is the email I just sent them. 

" I've tried twice, both unsuccessfully, to pay off my student loans this year. The problem is an odd one. I pay what you say on the web site is due to pay them off - and then you bill me another balance due. Just this month was the second time this has happened. Earlier this year I sold a property and attempted to pay off the loans and was billed XXXX above what your web site said was due. When I called and said I had requested a payoff before I sent in the payment, your customer service agent was not familure with that term. This month I tried to payoff that XXXX and I am billed another XXXX on the last XXXX I was billed. So my question is how will I ever be rid Of you if we continue down this path so I am sending this email to the CPFB as well so maybe someone can address my concern. I want off your rollercoaster so I can tie this up before I retire. '' So CPFB something is fishy here. 
XXXX XXXX
Consumer complaint received 2019-11-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (MD)

NFCU has repeatedly given me the wrong information regarding my payments and late fees on my account to the point where I have incurred a ding on my credit report due to erroneous payment information given. I am unable to login into my account due to software issues on there system and this issue has been noted on my account. I continue to make my payments by phone so I rely on their customer service to give me the correct information. The latest being I paid {$200.00} in late fees only to find out that instead of them processing the payments on for the late fees they processed payment for principle balance. The promissory note states that if you are in default all charges, which includes late fees become due. They are being deceitful because they want me to continue paying interest on late fees that have already been paid.
Consumer complaint received 2019-11-04
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. (MI)

XXXX, Equifax & XXXX are reporting my balance for a XXXX XXXX Visa incorrectly. My credit reports show that on XX/XX/XXXX my balance was {$510.00}. This is not accurate. My balance should be reporting as {$10.00} not {$510.00}. 
even if you go back to XX/XX/XXXX my balance was only {$81.00}. 
I had made payments on XX/XX/XXXX for {$150.00}, XX/XX/XXXX for {$310.00} & XX/XX/XXXX for {$81.00} to make sure my balance was paid off when XXXX XXXX visa reported to the credit bureaus. 

I am in the process of getting a mortgage and this incorrect balance raises my credit to ratio and will have a negative effect towards the terms of my mortgage loan. 

I am providing my statements with the account balance from XX/XX/XXXX to XX/XX/XXXX as proof of my current balance during those dates. 
I am demanding my balance be corrected retroactively as it should have reported on XX/XX/XXXX. This does not mean to give the current balance once this investigation is over, that would also be inaccurate and misleading, I want the balance to be corrected as it should have been reported on XX/XX/XXXX.
Consumer complaint received 2022-09-26
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. (NJ)

in accordance with Fair Credit Reporting Act, XXXX bank XXXX # XXXX and XXXX XXXX  accnt # XXXX, XXXX XXXX XXXX XXXX # 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 agency can not furnish an account without my writted instructions 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 

These fraudulent accounts remain unverified, as I never requested them as well as they have failed to provide proper verification.
Consumer complaint received 2019-11-04
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. (MI)

XXXX XXXX XXXX TransUnion are reporting my balance for a XXXX XXXX XXXX incorrectly. My credit reports show that on XX/XX/XXXX my balance was {$510.00}. This is not accurate. My balance should be reporting as {$10.00} not {$510.00}. 
even if you go back to XX/XX/XXXX my balance was only {$81.00}. 
I had made payments on XX/XX/XXXX for {$150.00}, XX/XX/XXXX for {$310.00} & XX/XX/XXXX for {$81.00} to make sure my balance was paid off when XXXX XXXX XXXX reported to the credit bureaus. 

I am in the process of getting a mortgage and this incorrect balance raises my credit to ratio and will have a negative effect towards the terms of my mortgage loan. 

I am providing my statements with the account balance from XX/XX/XXXX to XX/XX/XXXX as proof of my current balance during those dates. 
I am demanding my balance be corrected retroactively as it should have reported on XX/XX/XXXX. This does not mean to give the current balance once this investigation is over, that would also be inaccurate and misleading, I want the balance to be corrected as it should have been reported on XX/XX/XXXX.
Consumer complaint received 2019-11-04
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: U.S. BANCORP (NY)

On or about XX/XX/2019, I went over my credit card charges and discovered that unauthorized charges were placed on my credit card issued by US Bank. Upon talking with their fraud division which has a division for checking and savings accounts and a separate division for credit cards it was determined that someone tried to open a checking and savings account in my name. I filed all the forms the bank asked for and reported this to the three credit bureaus as the bank instructed me to. The charges were canceled and a new credit card was issued along with a card that I did not authorize which I had the bank cancel. 
Now on or about XX/XX/2019 when I tried to make a payment on the phone, I learned that about {$4100.00} in unauthorized charges was made on my new credit card as a bank transfer from a checking account and charge card which was opened without my authorization or knowledge on about XX/XX/2019. I learned this from the bank 's fraud division. They said they will close the checking account and charge card as well reverse the fraudulent charges. As of today XX/XX/XXXX, the charges are still there, there is no manager to speak to and it astounds me how the bank allowed another fraudulent account to be opened in my name.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

Experian, you're practice is unacceptable. {$91.00} out of a {$1000.00} cc balance was paid in full XX/XX/XXXX. My fico was a XXXX now it's a XXXX, it should have gone up but you've avoided doing that knowing if you wait and update later in the month the score will only go back up a few points which in turn will benefit the unlawful deals you have with corporations ( selling peoples private information ) forcing people to try and get more credit to better their score, in which it will only drag their score down more ( vicious cycle ). XXXX  and XXXX updates monthly. My score should have gone up. Previously, 2 years back ( XXXX ) my score was all over the place with experian ONLY and no explanation on my report or from experian and when I called to find out experian said they couldn't tell me why my score was dropping every other month ( for 6 months straight ) and that it would say on my credit report but I had been checking prior to calling experian ( for 6 months ) and no reason was given, no inquiries, no attempts at use of credit. I was living in XXXX XXXX and wasn't touching my credit. I informed the individual I had been watching for 6 months, no reasons were on my report and she said she couldn't tell me and I would have to check my report ( $ $ $ for them right ) I repeated myself and so did she. Experian is criminal and this is unacceptable. As experian has been proven to sell peoples information illegally and with out consent, they need to be stopped.
Consumer complaint received 2019-11-04
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. (FL)

I have update my address with XXXX, Equifax, XXXX, XXXX, XXXX   XXXX, XXXX, XXXX and XXXX and the XXXX credit bureaus, Equifax, XXXX and XXXX will not report my current Address. I also have disputed negative unverified accounts with XXXX, Equifax and XXXX and they come back reporting account was verified but have not sent any proof of Verification and how did they verify my account.
Consumer complaint received 2023-09-25
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: EQUIFAX, INC. (NJ)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NJ)

I am requesting the correct name, address, phone number and fax for the legal representative who accepts summonses on behalf of Care Credit Synchrony. I will be filing a suit against Care Credit Synchrony for willful and negligent violation of the FCRA.
Consumer complaint received 2019-08-03
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)

Opened XX/XX/2013 ( 6 yrs, 1 mos ) XXXX XXXX XXXX i was victim of fraud with this account on my equinox and experian report with the dates listed. it is very much a problem, thank you for your help.
Consumer complaint received 2019-11-04
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. (NY)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report. 

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have update my address with Experien, XXXX, XXXX, XXXX, XXXX   XXXX, XXXX, XXXX and XXXX and the three credit bureaus, XXXX, Experian and XXXX  will not report my current Address. I also have disputed negative unverified accounts with Experian, XXXX  and XXXX  and they come back reporting account was verified but have not sent any proof of Verification and how did they verify my account.
Consumer complaint received 2019-11-04
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX-VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I, XXXX XXXX, CURRENTLY DO NOT DISPUTE THE FOLLOWING ACCOUNT XXXX XXXX XXXX XXXX IN THE AMOUNT {$1300.00} XXXX XXXX XXXX IN THE AMOUNT OF {$1800.00} EITHER AS REPORTED ON MY CREDIT REPORT OR DIRECTLY WITH THE CREDITOR. I REQUEST THAT THE INDICATION OF A DISPUTE IS REMOVED FROM MY REPORT. IF YOU HAVE ANY QUESTIONS, PLEASE FEEL FREE TO REACH ME AT XXXX.
Consumer complaint received 2019-11-04
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. (FL)

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file.
Consumer complaint received 2017-11-03
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: EQUIFAX, INC. (KY)

I have contacted Equifax and XXXX to remove unauthorized inquiries on numerous occasions, with the most recent time being XXXX/XXXX/XXXX. Both companies refuse to remove or even investigate the inquiries. I did not authorize the credit report inquiries for the following companies and I wish to have them removed as a hard inquiry on my record. I have attempted to contact those companies I could locate phone numbers for online but have been unsuccessful in reaching someone to help with this issue. 

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 M XXXX XXXX/XXXX/XXXX Equifax : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX 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