davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-28
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (MN)

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 DEPT OF ED/NAVIENT has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, 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 2020-01-27
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: Santander Consumer USA Holdings Inc. (MO)

I havent authorized this financial institue to obtain my credit report. I have clearly mentioned lender not to use this financial institute for auto loan purposes. This is seriously damaging my credit score. I would like the financial institute to remove this hard inquiry on credit report. I have previously sent out letters to this company to remove the inquiry and they failed to remove it. I'm demanding to provide proof of authorization that made personally to this company or else remove it immediately. 
Inquiry made on XX/XX/2019 ( XXXX )
Consumer complaint received 2021-07-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Lending Club Corp (CA)

Lending Club continuously reports extremely late by multiple months negatively affecting my credit score & reports. I've asked them to correct this and even filed a direct dispute with Lending Club and the credit bureaus. They updated some of the bureaus with different information that doesn't even reflect my correct balances for any of the months that are missing.
Consumer complaint received 2023-01-11
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. (IL)

XXXX XXXX XXXX XXXX is a result of a fraudulent account that was opened using my information without my knowledge it appears that there are two separate accounts for a line of credit and a credit card totaling the amount of {$5000.00}
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2021 I sent letters to Transunion, XXXX and XXXX asking them to provide me with verification of proof of Bankruptcy # XXXX and Bankruptcy # XXXX sent up a follow up letter on XX/XX/2021 and they failed to respond validating the reporting of Bankruptcy which is a FDCPA violation because they continued to report the bankruptcy without proof. They ( Tran/XXXX ) responded stating that they " verified '' these both case numbers/bankruptcies through XXXX XXXX and Court. 
I contacted XXXX XXXX and Court directly and court responded that that they do not share my information with any credit bureaus. XXXX XXXX sent me letter and deleted bankruptcy from their records. 
On XX/XX/2021 I sent XXXX XXXX letter to all 3 credit bureaus ( TransXXXX  XXXX and showed them deleted bankruptcy, informing them that if they could not reveal how they truly verified these items then it needs to be deleted according to the FCRA. On XX/XX/2021 I sent notification with intent to file for FCRA violation and they keep responding bankruptcy " verified ''. They have once again refused to delete these items which is imploding on my ability to purchase a home and car and causing me to pay thousands more in interest every year.
Consumer complaint received 2021-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Back in XXXX I filed disputes with all 3 bureaus and still no change on my report. There are collections on there that should not be be on there and charge off too.. I do not understand why this hasnt been fix yet. What does it take to have something remove that should not even be on there in the first?
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (TX)

I received a letter from Credit Collection Services dated XX/XX/2021 stating that I owed {$25.00} to XXXX. Since it was {$25.00}, and I didnt feel like worrying about it, I went to their online portal to pay. However, the amount in the portal was {$240.00}. 

I sent a validation letter request on XX/XX/2021 asking them to validate the full amount of the debt, asking for proof. I received another letter from CCS dated XX/XX/2021 stating that they were including a copy of the documents I requested. However, they only provided a copy of an XXXX bill for {$25.00} ( the original amount ). 

I called them later that week and explained to them that they only sent proof for {$25.00} - that I was again requesting them to validate the rest of the {$240.00}. The lady who helped me said that they were going to send the validation for the rest of the amount. So we waited. 

I then get another letter from them dated XX/XX/2021 stating that they were enclosing the documents I requested for the amount of {$240.00}. However, yet again, they sent only a copy of the bill from XXXX for {$25.00} and nothing else to validate the rest of the {$240.00}. 

I called them yet again to ask about this, and the man who picked up would ignore my request to send a validation of a debt and kept insisting that I owed the {$240.00}. He was very short and impatient with me when I tried to explain the situation and didnt want to address my request for proof of the rest of the amount they were trying to collect. 

Please help, Ive typed up another validation/verification letter, but I know they are legally obligated to provide validation of the whole debt the first time I request them to.
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I'm a XXXX XXXX resident who lost his job due to pandemic and have been recieving unemployment benefits while the job hunt continues. 
On the evening of XX/XX/2021 I went online to check my available balance on my debit card and noticed my card was locked due to suspicious activity. My account showed out of state/unathorized transactions that had occured just hours before .Actual ATM withdraws & other unexpected/irregular actions. This card was physically in my possession the entire time, how was someone else using it at an ATM out of state? My guess, because they don't have the chip and it's an easy target for scammers! But still, how was my account information put into the scammers hands, where did they get it? Plus, my pin # has NEVER been shared with anyone. 

I opened a claim as soon as they opened in the morning and I reported all the unathorized charges because in the information provided to me with the card stated that I was protected by a " zero liability '' policy.

The total amount stolen is just over {$400.00} and was everything I owned. Unfortunately one of my charges for ~ {$130.00} was still pending and they wouldn't let me include it in my claim, said I had to call back once it cleared. They were making me watch it!! Another problem was, one day later the account was closed and I was unable to watch the pending charge clear. I decided to call the merchant that was processing the transaction & the employee remembered that exact transaction the day before. Told me a XXXX woman with XXXX kids swiped it and it was also matched to her indentification. 
One day later my Bank of America claim was closed and obviously zero investigation was ever pursued. 

I am now going on almost a month with frozen benefits and keep getting the runaround and how to fix it. Talk to Bank of America and they say talk to XXXX. It is a disgusting finger pointing blame game. They are supposed to be partners! Employment departments BPC center did ask me email ID documents and I was told to expect a call back when the information was reviewed in 5-7days. Today, after 9 days waiting on that, I decided to call them and check up on whats going on. Of course my documents had still not been processed or even touched. I am being punished for being a fraud victim, completely think I would've been better off just ignoring the fraud and withdrawing the funds immediately from the card. We have no other option to receive these payments and are forced into these debit cards. 
*I would like to know why Bank of America is not investigating our unemployment fraud claims and what makes them exempt from the " zero liability '' policy that is explained in the paperwork sent with our cards? Why is their such poor communication with the unemployment dept and Bank of America? I know I am one of thousands others going through the same scenario. See here -- -- -- > XXXX XXXX XXXX XXXX XXXX fXXXX Thanks XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-01
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. (NY)

XX/XX/2019, I requested verification under section 609 ( a ) ( 1 ) ( A ) to XXXX, XXXX, and Equifax. Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This is ground for removal since 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Also, the Credit bureaus took more than 30 days to complete my investigation. 

Here is my certified mail tracking : XXXX, XXXX, XXXX
Consumer complaint received 2022-05-01
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. (NY)

XX/XX/2019, I requested verification under section 609 ( a ) ( 1 ) ( A ) to XXXX, Transunion, and XXXX. Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This is ground for removal since 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Also, the Credit bureaus took more than 30 days to complete my investigation. 

Here is my certified mail tracking : XXXX, XXXX, XXXX
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NJ)

XX/XX/2020 : A check for {$8700.00} was issued to me and my mortgage company by my home insurance provider against a home repair claim ( XXXX  XXXX XXXX  ( XXXX  ) ) in XX/XX/2020 using their bank XXXX. I got the check endorsed by the mortgage company rep and then I also signed back of the check. 

XX/XX/2020 : I made a mobile deposit via the Citibank Mobile app. However, the check was rejected by Citibank stating missing endorsement. ( However, I did not receive any email or mail about this rejection. So I was not aware of this rejection ) XX/XX/2020 Believing that the check has been successfully processed by Citibank. I trashed the actual check. 

XX/XX/2020 I noticed in my bank statement that Citibank had infact rejected the check and debited the check amount from my account. So I contacted XXXX to reissue me the check. XXXX  is claiming that the check was processed by Citibank and can not reissue the check until the money is credited back to their account. 

XX/XX/2020 Called the Citibank call center several times. Received a response to the service ticket BUT the response did not contain any details that I use for resolution. 

XXXX/PNC are willing to get any official from Citibank rep to call them and figure out the cause of the issue. But no one in Citibank agreed to get into a call. 

Finally, I contacted Citibank Relationship Manager seeking her help. Provided her the details of the issue. I did not see any help or resolution coming from her as well. 

Citibank reps have not been able to resolve the issue and went around responding to some other aspect of this transaction. Truly disappointed with lack of empathy by the people I spoke with in Citibank call center. 

However, I did not receive the check money in my account. So where did the money go? Which account did the money got transferred to?
Consumer complaint received 2020-10-19
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 have notified the XXXX bureaus a few times that i am a victim of identity theft. The account that is on my FTC report belongs to someone else It is listed on the my credit report but belongs to someone else
Consumer complaint received 2020-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2019 with a balance of {$4600.00}.
Consumer complaint received 2018-02-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (NM)

Actions taken by me on XX/XX/2017 Wrote Company a letter - no response - They have now turned over to collection agency.

Getting calls & letters.

The company also called my parents regarding this account.

Attached copies of letter from me. And copy of letter from collection agency Thank you, XXXX XXXX
Consumer complaint received 2023-01-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (NC)

DiscoverCard had their lawyer send me a letter demanding over {$1000.00} more than what has been reported by DiscoverCard And had falsified responses to this CFPa. 

This is an extreme liability violation. 

You both violated the FDCPA- I warned you and you had a chance to remedy- I am turning this over to a FDCPA lawyer on Friday at noon unless you want to suggest a remedy. You may call me at XXXX up til Friday to offer your remedy to these violations- suit yourself - you need to follow the laws you both make me sick. - and Friday XX/XX/2023 at noon, I am also filing a complaint with the NC Department of Justice- you violated both North Carolina law and Federal law. 

Friday XX/XX/2023 at noon is the cutoff for contacting me to remedy your violations. 

Follow the laws. 
.
Consumer complaint received 2023-04-04
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$9000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please update this ASAP. Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and BXXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2020-10-19
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: SLM CORPORATION (CA)

I sent certified mail in XXXX to request a notarized statement attesting to their compliance with all provisions of the Fair Credit Billing Act with respect to my account : To Provide documentary evidence of my indebtedness for all charges for which they claim I made late payment.

To Provide documentary evidence of timely billing and timely posting of all payments made on this account, whether or not they claim they were late, from the date the account was opened through the present. I never received this information. Therefore, by law, the derogatory mark must be removed from XXXX, XXXX, and XXXX  immediately.
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The following company never proved their methods of verification through several stages of written credit disputes : XXXX XXXX XXXX  VA XXXX XXXX XXXX VIRGINIA XXXX XXXX XXXX XXXX XXXX SERVICES XXXX Recovery Operations -XXXX  XXXX XXXX XXXX this company then illegally sold my information to another credit company in the process of these letters being sent ) -SELF / LEAD BANK -Attorney General-Child support -Dept of Ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The letters that were sent out are as follows : dispute letter XXXX XXXX mailed on XX/XX/XXXX and received XXXX XX/XX/XXXX XXXXispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter XXXX -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # XXXX mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports.
Consumer complaint received 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX -retail account # XXXX XXXX XXXX XXXX I have no idea who these people are or who this company is I have done no business with them nor do they have a signature of my please remove these negative accounts off of my credit report immediately thank you
Consumer complaint received 2021-06-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (VA)

I am writing this complaint because late payments have been report on my Credit Report in have not been in compliance of the law. According to 15 U.S. Code 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. None of this was done or followed yet an Late Payments reflects on my Credit Report and I would like the late payment ( s ) removed immediately.
Consumer complaint received 2022-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Neon Newco Corporation (WA)

In XX/XX/2022 someone stole my card and caused me to overdraft my account. Once reported with this bank I also provided police report and the card was canceled and reissued. 
With the assurance from the bank once it was found in my favor the over draft fees would be refunded. Not once did this occur. Within 20 days the cased was closed in my favor but the XXXX dollars in overdraft were not refunded as promised. I contacted customer support and the assured me they would credit me. By XX/XX/XXXX no credit yet additional fee have been applied as promised yet as of the XX/XX/XXXX I now have XXXX in fees taken from my account each time they assure me it be corrected I find additional fees applied no credits. I'm on XXXX I cant keep having them take more and more of my direct deposit the hardship it is causing my family continues I don't know what else to do. I fear another call because each one has only increased overdraft fees. 
Please help me resolve this issue.