davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (MI)

To Whom It May Concern, I am filing a complaint against XXXX XXXX regarding an auto loan for a XXXX XXXX XXXX that I began leasing in XXXX. I believe the loan terms are predatory, the vehicle was significantly overpriced, and the annual percentage rate ( APR ) is excessively high. When I entered into this agreement, I was not adequately informed about the financial consequences of the high APR and extended loan term. The original price of the vehicle ( {$34000.00} ) was significantly inflated, far exceeding its fair market value at the time. I believe the lender engaged in unfair practices by approving the loan at such an exorbitant cost and interest rate, despite the cars actual worth and my financial capacity. 
The APR of 22.99 % is extremely high, making it nearly impossible to pay off the loan without incurring significant financial hardship. I believe Credit Acceptance took advantage of my financial vulnerability by approving a loan under these unreasonable terms, which may violate consumer protection laws. 


Thank you for your attention to this matter. Please contact me if additional details or documentation are required.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello and good day, Ive been working tirelessly for months to fix errors on my credit report, and its been incredibly draining. Having a strong credit profile matters a lot to me, yet these mistakes have seriously damaged my financial prospects and peace of mind. Despite all my efforts to get this resolved, the issues continue to be overlooked, adding even more stress to my personal life and affecting my credit standing.
Consumer complaint received 2024-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am contacting Transunion in regards to the recent response to my CFPB Complaint XXXX XXXX. Again, Transunion has not properly provided verification of method of verification. You cant verify through a data furnisher! This is well over the 15 day window allowable according to FCRA. I demand you remove the account XXXX XXXX immediately! This is now a violation of my rights! I am disgruntled and demand Transunion to remove/delete the account reporting to XXXX XXXX as it is in violation with FCRA. Thank you,
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My husband leased a car. I was not at the car dealership. The finance department ran my credit and performed a hard inquiry without my knowledge or consent. Finance lady, XXXX XXXX, said I could " just go on XXXX and dispute the inquiry ''. The inquiry only shows up on TransUnion and there is no way to dispute it online. 

I also contacted XXXX XXXX, as that organization performed a hard inquiry when XXXX XXXX pulled my credit. The XXXX XXXX representative said there was nothing he could do since I do not have an account with them. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Social Security Number : XXXX Date of Inquiry : XX/XX/24 Two organizations performed an inquiry : Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX
Consumer complaint received 2024-11-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

My claim fraud claim # XXXX was denied. 

I was at the hospital when the transactions were made my whole purse was stolen. XXXX is XXXX. 
I gave them a copy of my hospital stay.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Recently, i did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681 e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

16 U.S. Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallj ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX these accounts is being reported inaccurately.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-11-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I have been trying to call for the past week regarding opening a checking account. 

Here 's the issue I've been having. I can't open it online because it tells me to call to verify my details. So I call. I've called multiple times and even got another phone number to call to their fraud department ( XXXX ) XXXX. None of which can help me. 
I created a profile years ago when I enlisted in the XXXX, but do not remember the details. ( username, 4 digit pin ), so they verify me another way by asking a set of questions only I'd know the answers to. They are able to verify me no issue that way. 
The issue arises after. I have a restriction on my account that NO one is able to help me with. They tell me the only way to get the restriction lifted is to go to USAA.com and upload a copy of the front and back of my ID.I have done that now and they said the verification has failed. How has it failed? So I uploaded it again in hopes this time it doesn't fail. Im filing a complaint in hopes to get some help. Im uploading my ID perfectly fine. When I go to upload it, it asks for my phone number but my number has changed from what's on the profile I created years ago. I don't remember any info on the profile. The only info I remember is my own info obviously ( social, dob, etc. ) which should be enough to lift the restriction. I've uploaded my ID and no one ever calls me regarding it. This company is so hard to get a hold of regarding this issue and everyone is so clueless im hoping this reaches someone higher who can verify me, and lift this restriction so I can apply for a simple checking account. That's literally all. After doing research it seems as if others are having the same issue, USAA customer service is non existent and when it is present, it lacks so much. So let 's see if someone at that company can prove me wrong and verify me and lift this dang restriction. 
Attached will be copies of my Drivers license AND a copy of my passport so theres no verification issues. Also will be attached a current paystub for my current mailing address. Please lift this dang restriction!! Or contact me on my phone number to do it. I'll fax anything. over, Ill mail anything, I would just love to get out of XXXX XXXX and move banks. I am eligible, I have served in the military. I just need this XXXX restriction removed please. Thank you.
Consumer complaint received 2022-10-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (NJ)

On XXXX separate occasions I have been given misinformation about the payment plan I have set up I received the loan in XXXX of XXXX. I signed a contract with the company for automatic payment to be deducted from my payment account. This is the same account the money was disbursed into. I provided bank statements to set up this payment plan. 

In XXXX of XXXX I checked my account to see that my payments had not beed debited and that I had accrued late fee penalties and had a balance over XXXX dollars. 

I spoke with a customer service rep over the phone who confirmed I had a payment plan.I asked her why it was not being debited she said " I do not know. '' I asked her if attempts were made and she said she could not do that. I cross referenced the date with my bank statements and saw no charges from NC Financial were attempted on the withdraw dates. I confirmed the bank account number verbally and she verbally read it back to me. I was told that the issue was resolved and if the issue occurred again I would be contacted. I paid the past due balance and late fees. 

In XXXX of XXXX I checked my account and saw that again my account wasn't being charged again. I called and spoke with another rep who told me she doent know why either. She confirmed I have a payment plan. I then read her the number. she said that the number was incorrect and off by one digit. I was then disconnected while attempting to set up a new payment plan. 

I spoke with another rep who helped me set up a payment plan. I asked why I didn't receive a phone call. She said that I wouldn't have unless the payment plan is invalid. I told her that it must have been invalid for months if the numbers were wrong. she said " oh yea ''. I then asked to speak with a supervisor about the late fees. This was on XX/XX/XXXX. She said I would receive a call in XXXX hours. I have reached out 4 times since over the phone and via email and they refuse to speak with me. 

I have been given contradictory statements and misinformation. My account number was confirmed as correct, then confirmed as wrong. It should be impossible for my bank account number to be inputed incorrectly given the fact that in order to disperse the initial loan I had to provide bank statements. The loan was dispersed to my account so they must of had the number correct. 

I was told I would receive calls about late payments, told this wasn't a company practice only emails, then told that they call if a payment plan isn't correct. This is predatory lending practices.
Consumer complaint received 2024-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Consumer complaint received 2019-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sequium Asset Solutions, LLC (CA)

3-4 weeks ago I received a call from Sequium Asset Solutions regarding bill with XXXX. I still had equipment and owed small balance. I informed them the equipment was returned and they were threatening to put on credit report. I stated that I was going back to XXXX to address it. 

This company didn't send any correspondence or notify me by mail regarding the debt. I paid what I owed on XX/XX/19 and Sequium placed item on credit report XX/XX/19. According to FDCPA, collection agencies are required to provide notification by mail, five days after initial contact. 

As of yesterday, my credit report updated showing it as a " paid collection ''. How is it a paid collection when it was paid directly with XXXX, not them?
Consumer complaint received 2024-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MD)

I was charged on my Citibank card {$480.00} on XX/XX/year> for an unauthorized charge at XXXX grocery. I reported the charge on XX/XX/year> and they said it should be resolved in a few weeks. I received a letter in the mail in XXXX saying they were investigating the issue. I received no calls or letters after that. I did see a note in my statement in XX/XX/year> that the charge was considered valid. I did not receive a letter, email, nor phone call about this. I called in XXXX asking for an explanation of why they said it was valid. They said they would investigate and get back to me. I received no phone calls, emails, or letters about it. I called in XXXX with the same non-result. I called in XXXX and was told it would be reversed within 72 hours. That date was XX/XX/year>. The money was not reversed. I called again on XX/XX/year> and now they say the money was already reversed back. I asked for the person to show me when and where it was reversed. He kept repeating himself and not able to resolve the issue. I sent a letter on XX/XX/XXXX outlining my issues and asking for an explanation. They just sent me an email on XX/XX/year> saying they were again investigating the issue.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I regularly check my credit report because my credit score is important to me and I keep seeing inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my credit score unfairly.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX/XXXX  XXXX listed multiple 30 day late payment on my credit report on XX/XX/2018 and XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX, XXXX and Transunion. Please remove the 30 day late payments from my credit reports.
Consumer complaint received 2024-11-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (OH)

I am requesting a refund of the {$50.00} that I initially deposited in the BMO checking account that I opened on XX/XX/year>, but closed soon after by BMO because of an erroneous fraud concern. 
As the email thread below testifies, I have been trying for MONTHS via emails and customer service calls to secure the refund of my initial {$50.00} deposit. 
The deposit was made via a BMO initiated ACH pull transfer from my external account at XXXX. 
When I called on XX/XX/year> ( which already was my XXXX call to BMO customer service for this issue ), a BMO fraud department agent insisted that I needed to contact XXXX to reverse the ACH deposit.

That made no sense to me, since BMO had initiated the ACH pull and still was in possession of the funds, but I nonetheless contacted XXXX to request a reversal of the {$50.00} ACH. 
XXXX investigated the matter, then informed me that it was a valid ACH transaction, and so could not be reversed by XXXX ( cf. attached XXXX ). 
On my XXXX call to BMO customer service, the agent reported ( erroneously ) that the funds had been surrendered to the state 's unclaimed accounts, and I would need to file a claim with the state. 
However, after submitting my information to the unclaimed accounts website ( missingmoney.com ), I learned that my {$50.00} BMO deposit was not there either. 

On my XXXX call to BMO customer service ( XX/XX/year> ), the BMO fraud department agent XXXX XXXX confirmed that the {$50.00} had not been sent to the state unclaimed accounts, but then instructed me to send this email to this address ( XXXX ) along with the proof of address documents already sent in previous emails to BMO ( SSN, XXXX driver 's license, auto insurance bill, voter 's registration, various other documents attached ). She assured me that this would lead to the refund of my {$50.00} and the resolution of this issue finally. 

The refund still has not been received as of XX/XX/year>. 

I look forward to the {$50.00} refund owed me, and hope BMO supervisors review the procedures and personnel involved and fixes what needs to be fixed.
Consumer complaint received 2022-10-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mandarich Law Group, LLP (FL)

I disputed this debt with XXXX XXXX XXXX as I never received any notification about the debt they say I owe. I have asked for communication that was sent to me and I still have not received any information. They sent my job a request to garnish my wages which started XX/XX/2022 in which the amount they said I owe has been collected and more. My employer has reached out to them numerous times and gets the run around just like I have. They give an email address and then when you email and call to follow up they say oh it was recieved but not read so they give another email address and they say try this one my employer calls back and they say oh fax this number and the whole time my employer advises they cant stop garnishing my heck until they receive a release. This has been going on for over 2 months and I have XXXX kids with the youngest being XXXX XXXX XXXX he is the one being impacted as I cant afford to take care of him with XXXX dollars a month that doesnt even take care of daycare or food clothes a roof over his head nothing. My next step is reaching out to the Attorney General.
Consumer complaint received 2024-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. 
I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.