davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted the consumer reporting agency informing them that they are reporting inaccurate information and to have the information deleted. I have been trying to get this information removed for the past 4-6 months with little to no resolution. I haven't gotten any information in regards of the dispute. The only thing i see on my consumer report is that they " UPDATED '' the information but nothing was ever removed and/or continued to be inaccurate. They have also failed to do a proper investigation and resolve the issue. 
I do understand that anything that reports to my consumer report is suppose to be 100 % accurate and 100 % verifiable. Failing to do so and knowingly failing to do so is a complete violation of the FCRA. This is also a false representation of my character, this has prevented me from being able to properly use my credit for any simple credit application do to the negligence of the consumer reporting agency. I will pursue for any damages that this has caused me in the last few months. I was also told that they couldn't verify my identity, yet i sent in copy of my ID, SS CARD & PROOF OF ADDRESS! 

PLEASE REMOVE THIS INACCURATE INFORMATION. 

ALL XXXX consumer reporting agencies are reporting inaccurate : Last day reported Date last active date of last payment high credit limit Reporting inaccurate late payments
Consumer complaint received 2020-10-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

I went to purchase a car at ( XXXX XXXX XXXX ) XXXX in XXXX, Florida after being told I could get a car for less or equal my current payments and get a rebate due to my XXXX XXXX membership. I was pushed into a car loan with a {$630.00} payment which was {$100.00} more than my payment on the car I was trading in. The new loan came out to be {$30000.00} on a XXXX  XXXX XXXX, {$12000.00} more than the car was worth new and $ XXXX {$18000.00} more than it would be worth it when I drove it off the lot. The loan was made under duress as I spent 8 hours at the dealership waiting for the financing to go through. I told the finance manager at XXXX XXXX I was concerned about the amount of the payment for the car, especially because it was not the car I wanted but the car that the salesman and the dealership would get the most rebates on. I wanted a XXXX  they pushed me into an XXXX. The finance manager told me I would be able to refinance the car within 6 months. So I signed the contract because I was tired and it was XXXX. I called XXXX in XX/XX/XXXX and informed them of these practices and they said they would look into it. I had a medical accident in XX/XX/2018 which caused me to miss several days of work and end up needing XXXX. I called NMAC and told I couldn't pay the bill and could we work on a payment plan as I was going through financial hardship, they would not help. I asked to refinance the car, they said they don't do that. I called the dealership and their response was to put me in a new vehicle which I walked out of that conversation. Eventually, the lost wages caught up to me and I could not pay the car anymore and had to surrender to repossession. I tried to avoid it at all costs but NMAC would not help me. I was upfront and honest about my situation and was told I shouldn't have taken out the loan if I couldn't afford it. I didn't know 3 months later I would have an accident that would hinder me from working and cost me wages. I also would like anyone to know that finance managers are lying when they say you can refinance the car after 6 months. I have paid {$120.00} a month on the repossession since XXXX but that is a lot considering I was unemployed from XX/XX/XXXX-XX/XX/XXXX due to covid-19. I have told NMAC all of this and they still are coming after me for {$18000.00} on a vehicle that was financed for {$30000.00} that wasn't worth more than the original {$18000.00}. This loan was again made under duress.
Consumer complaint received 2022-07-18
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. (AR)

In accordance with the Fair Credit Reporting act the following accounts : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX- XXXX XXXX  XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX 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 reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been banking with BANK OF AMERICA for 20+ years and are one of their Platinum Honors clients. Last week I received 11 letters fro BOA stating that they have made the decision to close all of my accounts including my credit cards and my investment accounts with BOA/Merrill. 

I have called the customer service number indicated on the letter only to be told, " sorry Sir, the bank as made a business decision to close all of your accounts, there is no more I can tell you ''. 

To me this seems absolutely baffling and absurd. After all this time as a customer, in the middle of Covid after been laid-off, Bank of America decides they are not going to stand by their customers. 

Why do banks do this to their best customers??? Who makes these decisions? All customers service can tell me is, " the " Bank '' has made the decision ''. 

If you are a current Bank of America customer, please be aware that this could happen to you with no notice and not even a phone call. Proceed with caution!
Consumer complaint received 2022-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

This relates to Capital One Venture X account and their Fraud department. 

On XXXX XXXX my account was restricted. I contacted customer service and was informed I was on a recorded line. Over a period of 30 minutes, I was asked to verify my personal information, and the Fraud representative reviewed my transactions and I clarified that they were all accurate. I was informed that the restriction was cleared and I should wait a few minutes before trying to purchase the item that triggered the alert. 

I did exactly as I was instructed to, and my transaction was once again denied. I received texts and emails to contact Capital One right away because of suspected fraud. I did so and was once again routed to the fraud department where I was required to not only identify my personal information, but to send photos of my drivers license, I did so reluctantly but with an understanding as to why. 

Then the representative wanted to review my transactions that I had already done on my prior call with a Capital One representative five minutes prior. As I did not want to spend another 30 minutes reviewing something that I had already done, I requested a manager and was transferred to XXXX ( XXXX XXXX Fraud ) who informed me that I would be sent a link to take a picture of my license and be verified even though I had already done that with the prior representative that transferred me to her attention. 

I asked to speak with her manager, she was adamant that there was no one higher than her that I could be forwarded to and I would have to work with her directly. I chose to hang up and attempt to communicate with Capital One via e-mail to resolve this issue. I then realized that there is no e-mail for Capital One. 

Why is there no way to communicate with Capital One directly via e-mail? By not allowing me to send electronic correspondance they are putting me at a disadvantage. I am unable to retain any written documentation of my issue and yet they can record the entire conversation for their records. 

Why am I required to continuously identify myself on the same call when being transferred to a manager? and why must I have to verify transactions again when they have already been done on a recorded line? Are there no call records that can be reviewed to avoid another 30 minutes of verifying transactions? Are the individuals at fraud reading from a script and unable to deviate from it based upon circumstances that can be proven in their records?
Consumer complaint received 2022-12-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC. (FL)

on XX/XX/2021 I went to dealership to purchase a car they pressure me to buy multiple cars even though i came in for one. They kept pulling my credit and got alot of approval for banks and insisted that i use up all the approval and pressured me into keep buying more cars. I told them they violated my rights by constantly pulling my credit without permissions and racking up all these approvals resulting with XXXX inquires on my credit report. I sent a letter through certified mail to get a debt validation and sent a notice of recession. The letters delivered and i never got a response or remedy
Consumer complaint received 2020-10-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (SD)

I was not notified that my account was being closed by XXXX XXXX. I was only notified that there hsn credit card accounts were being transferred to synchrony.. After the transfer, the balance almost doubled and I never received a new card as the letter notify of transfer I dictated. I didn't find out the account had been closed until several months after it was transferred. Even though the balance owed is incorrect, I have tried sending payments and they have either been returned because they claim they don't have an account or someone has cashed the money orders ( which I am in the process of reporting as stolen ) and other credited the make believe account with the wrong balance that I'm starting to believe is probably not my account and could be something they made up or belongs to someone else.
Consumer complaint received 2021-02-25
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: EQUIFAX, INC. (LA)

Per Equifax, I would have results from my disputes by XX/XX/2021 I submitted disputes online and have received NO results. I need the following items removed from my credit report as nothing has been found in the Equifax investigation to validate these incorrect items that are on my report. 

XXXX {$5100.00} XXXX  {$1100.00} XXXX {$1500.00} XXXX {$2600.00}
Consumer complaint received 2023-01-31
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. (CA)

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. 

Account name : XXXX  XXXX and account # XXXX, Account name : XXXX XXXX  and account # XXXX, Account name : XXXX and account # XXXX, Account name : XXXX XXXX  and 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 2020-10-13
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. (MD)

XXXX, TransUnion and XXXX  have been reporting this inaccurate and incomplete account on my credit report since XX/XX/XXXX in violation of the Fair Credit Reporting Act ( FCRA ) even though i have been disputing the errors with each one of them. from XX/XX/XXXX to XX/XX/XXXX i have a well documented seven months of communication via certified mail with XXXX  TransUnion and XXXX  asking them to delete the inaccurate and incomplete account which they fail to do. I was told to provide more proof or they needed more document from me to make sure i was the one or i should contact the original creditor. My time was wasted to no avail. i filed a complaint against XXXX XXXX XXXX XXXX with CFPB about this account XXXX responded and told me that they are not affiliated with the credit reporting agencies and does not determine the information that each credit bureau select to report. and that i had to contact XXXX   directly to dispute the fraudulent credit reporting. Notice some of the errors and inaccuracies as i also attach copies to this complaint for verification : the high balance on TransUnion is {$15000.00} whereas on XXXX  it is {$0.00}. The Balance as the creditors stated in the letter i attach to this complaint is {$9000.00} but XXXX   reports {$9000.00} XXXX  also reports {$9000.00} and TransUnion reports {$9000.00}. The date of item removal on TransUnion is XX/XX/XXXX whereas on XXXX  it is XX/XX/XXXX. The most outrageous and disgusting thing is that XXXX  has reported two payments of {$410.00} each without the consent of the creditor in XX/XX/XXXX and also in XX/XX/XXXX even though this account is closed and still the account balance did not change in the process. This only goes to prove that the credit reporting agencies can care less for the Fair Credit Reporting Act ( FCRA ) and hurt consumers as they wish.
Consumer complaint received 2020-10-13
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. (GA)

these accounts listed in this complaint do not belong to me someone use my information to open fraudulent accounts with out my consent or knowledge someone use my photo id and social security number I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2021-10-15
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. (NY)

Hi XXXX  has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX fico  has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX  paints me as a XXXX. XXXX XXXX  say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2020-10-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: National Credit Adjusters, LLC (FL)

I received a letter from the company in my previous complaint and I did as asked of me the company provided the non working fax number to send the police report. I also emailed the company in no response. Also called and left messages about getting the matter deleted from my credit report still no one has answered my attempts. I also sent copy of the police report by mail the company can see that it's an issue.
Consumer complaint received 2021-02-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (NJ)

To whom it may concern, I have contacted you several times ; my first attempt being XX/XX/2020. 

I asked that you reinvestigate or delete disputes from my credit report. 

I have submitted a complaint where, you stated I was reaching out from a third party. This is to insure you that there is no third party submitting the complaint. 

I have yet to hear back from you, it has been longer than the thirty 30 day time frame. You have not complied with the law and responded to my initial letter on XX/XX/2020. 

I am demanding that the dispute is removed from my credit immediately, or I will unfortunately have to contact Federal Trade Commission about you lack to comply with consumer protection laws. 

Thank you in advance.
Consumer complaint received 2020-10-13
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. (NJ)

called equifax approx XXXX ; XXXX XXXX  on XX/XX/2020 and spoke with a supervisor by the name of XXXX who refused to file my dispute i advised that according to FCRA AND CONSUMER CREDIT ACT I have submitted a written request sent certified that i am disputing these inquiries that is listed on my credit report, the 1st rep ( XXXX  ) acknowledged the receipt of the letter XX/XX/2020 received by EQUIFAX but the companies weren't listed so i advise XXXX XXXX supervisor ) i am calling to FOLLOW UP now, she then without me providing any companyy name proceeded with assumption to tell me that all of these inquiries are FACTUAL like XXXX, i responded by advising her I NEVER once mentioned XXXX XXXX XXXX so why would you assume thats who i was disputing instead of allowing me to give the names, i advised her under the consumer credit protection act and federal credit reporting act i have the right to dispute an inquiry that is unauthorized meaning a company obtained my information without authorization or permission and it should be DELETED she told me that is not a VALID reason and EQUIFAX does not take disputes on inquiries despite me reaching out to said companies and THOSE SAME COMPANIES do not or can not verify my information with their company what i would like to know why are reps at equifax making decisons or unwilling to accept disputes based on personal opinion and not defending the consumer yet is privILIGED to consumers PERSONAL INFORMATION but refuses to accept OR PROCESS disputes. 

Your Desired Resolution : i am seeking reps TO be educated on the LAW and the 4 inquiries that i have not been able to successfully dispute because the reps have shown no desire or interest to even investigate or provide me the opportunity to do so, they are reading a script and rejecting ANY HARD INQUIRIES DISPUTE when i have the right to have these inquiries DELETED. to which they did not even ASKED ME the names, they assumed which is shouldnt be the protocol of just simple customer service. i sent a written letter certified mail and I NEVER EVEN RECEIVED A REPLY OF ACKNOWLEDGMENT AS A COURTESY. I CALLED TODAY and these people treated me as its personal and rejected to assist me in any way, other to redirect me cause they simply did not want to do a job
Consumer complaint received 2020-10-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending (FL)

I received a letter with an loan offer from Clearpath lending ph XXXX XXXX XXXX XXXX call themselves VA SPONSORED LENDER ) stating that I had in the past an veteran administrative loan of {>= $1,000,000} when in fact I never had any type of loan with VA. 
In the letter they offered VA sponsored interest rate reduction refinance loan ( IRRRL ) Notification Nr XXXX I called them and they said is public info and hang-up Please investigate the way this company/bank operates to mislead customers and use fake records to lure in new customers They illegality stole my private info and mix it up with a fabricated past loan records to confuse me in order to make me agree to whatever scam they are planning. 
This is not a business practice you should tolerate if you care about consumer protection