davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (MI)

I ( XXXX XXXX, consumer, creditor and natural person ) is enforcing The Truth And Lending Act ( TILA ) because Navy Federal Credit Union ( NFCU, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ) unlawful acts. 
15 USC 1602 The term person means a naturalpersonor anorganization. I am a natural person. 
The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. 
The term creditor refers only to a person who both ( XXXX ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement. 
The term person means a natural person or an organization. 
By law I am a creditor and also a natural person, without me your organization wouldnt be able conduct a transaction to extend more credit, like a credit card for example. If I dont come to you ( organization ) and initiate a transaction you wouldnt be able to extend credit. You need my credit to extend credit. And my credit is my right. You do not have the right to discriminate against a creditor by law and pick and choose after a transaction is initiated like the one done on XX/XX/2022. I applied to receive {$99000.00} for a vehicle. You denied me a right I have by law. In the midst of the transaction that took place you committed fraud. I entered the numbers of my credit card into your application and we ( I and NFCU ) initiated a transaction that I didnt receive benefits from. That is unauthorized use The term unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 
The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Im sure you know what credit card Im referring to. Also this transaction was a private transaction that had nothing to do with consumer reporting agency. Consumer reporting in voluntary and I did not consent to participate. Therefore you checking a consumer report was a violation. Nothing under adverse action give you the right to deny me my rights. 
I give your organization a chance to make things right by being a lawful abiding organization under ECOA, FDIC, NCUA, and CFPB and grant me my right for an extension of credit that I asked for.
Consumer complaint received 2022-10-04
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2024-02-01
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: Experian Information Solutions Inc. (MO)

Seconds apart this fraudulent crooked scamming company closed 2 complaints with different explanations for the same problem AND AS USUAL THEY LIED AND RESOLVED NOTHING
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (MI)

My husband and I have been calling since XXXX to get me removed as an authorized user and for US Bank. Each time we've called to get the authorized user removed, they have said that they have taken the steps to remove me so that it can begin to report as me not being an authorized user. After 2-3 weeks or so, we would call back and they would say that the previous representative was not doing it correctly and did not properly solve the problem. I am trying to get this information properly updated so that my credit report will be accurate. I have attached a screenshot of what is reflected and the last time that they reported accurate information to the credit bureaus.
Consumer complaint received 2022-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have complained 3 times already and I just want to know why this cfpb cant or will not step in when TransUnion just ignore and dont try to fix the problem because they know cfpb cant or will not do anything about them not doing any thing. I am sure the cfpb understands how these agencies control peoples lives with their credit scores. My other scores are XXXX to XXXX points higher and this has been ongoing since they hadnt name birth date and everything else wrong. I dont care what model they use for selected people ther shouldnt be able to stop people from making their situation better. I did see where TransUnion was disciplined by cfpb. They should be at the least investigated about how they come up with different scores for people with the same or better credit ratings.
Consumer complaint received 2024-02-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (TX)

I am still enrolled in school, an online/fully remote, full-time program. Out of nowhere, Sallie Mae sent me information saying that I am no longer a student and that my loan will start repayment. I tried to resubmit the deferment form, but they refused to accept it because it wasn't printed and signed by a school official. The school official, associate registrar XXXX XXXX, did sign the deferment form, but it was signed digitally via XXXX. Despite XXXX being a legally binding signature, Sallie Mae refuses to accept it. I am enrolled in an online-only school, so I can not visit an in-person office. I am also unable to get a direct response from XXXX XXXX, as her assistants and other workers of the registrar 's office respond on her behalf. I have told them that she needs to print the form and sign it by hand, and I am having trouble getting a response because she has already signed it. Sallie Mae accepted the form marked with XXXX at the end of 2022. I'm not sure what to do. This has hit my credit. I'm trying to move, and they have been insulting, unhelpful, and challenging.
Consumer complaint received 2022-10-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PNC Bank N.A. (GA)

My vehicle was repossessed, I paid the bank {$1700.00} for the lot XXXX  XXXX which was vended out from XXXX XXXX XXXX to return my vehicle, I have not been able to get in touch with these people to get my vehicle back and the bank refuse to give me my money back because supposedly this money is owed on the loan. I've missed five days from work with no pay and counting... I need my vehicle to get to work or my money back with loss of wages I also tried refinancing the vehicle with PNC Bank but was denied due to credit issues... Thank you, XXXX XXXX
Consumer complaint received 2022-10-04
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. (OH)

Two hard pulls on my credit were taken by " XXXX XXXX '' and " XXXX XXXX '' unknowingly. I am not knowledgeable of this accounts and there are credit freezes on all 3 of my reports. Tried to dispute through Transunion, the website does not work at any capacity. I also discovered the creditors phone number which is Transunion. No help whatsoever. Dozens of others are struggling with this.
Consumer complaint received 2024-01-31
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2022-10-04
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. (TN)

I am writing this because I am a victim of identity theft, and I am demanding that all inaccurate and incorrect information included on my Identity Theft Report and this complaint be removed. I submitted a complaint to the Federal Trade Commission already with no response. Based on my knowledge of the FCRA, 15 USC Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer information that resulted from an alleged identity theft, not later than 4 business days after the date. 

Because of this law, ExperianXXXX  and XXXX are currently in VIOLATION of this law and are required to delete all negative items detailed in this report and/or pertaining to a dispute via their portal. As a result of their negligence Ive since been denied for new lines of credit, services etc. This is a directly affecting me and costing me more money and time.
Consumer complaint received 2022-10-04
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. (GA)

Fraudulent Inquiries : XXXX. XXXX, XXXX Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX, XXXX Date : XX/XX/XXXX XXXX. XXXX, Inquiry Date XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and/or view my credit report. In addition, I did not give you ; TransUnion, written permission or my consent to furnish this information onto my credit report or consumer credit file. 

This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights. 

Please delete these fraudulent inquiries immediately from any records that are on your system or validate these inquiries by providing me with copies of any documentation associated with these accounts bearing my signature and/or my written permission authorizing an inquiry, per Federal & State statutes. 

Furthermore, I also demand you, TransUnion produce a contract between you and I bearing my signature showing that I gave you permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611
Consumer complaint received 2022-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We received the Bank of America credit card in XX/XX/2022 with 0 % interest. I was supposed to be charged 0 % interest rates for 21 months. I was never told by the bank that they were going to be charging any interest rates prior to 21 months. However, the bank imposed an interest rate that was not agreed upon or discussed with me. I took out the card because I was promised a 0 % interest rate for 21 months. I would like the interest rate to go back to 0 % and Bank of America to refund me for the extra fees paid to Bank of America from XXXX until current ( XXXX ). I would like Bank of America to be held accountable for a classic bait and switch.
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

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 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 I don't recognize a bunch of hard inquiries on my report which I think is fraud. below is a list of hard inquiries I don't recognize Bank name : XXXX XXXXXXXX XXXX XXXX date : XXXX Bank name : XXXX XXXXXXXX XXXX Inquiry date : XXXX Bank name : XXXXL XXXX XXXX XXXX  Inquiry date : XXXX Bank name : XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXX XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXXL XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXX Inquiry date : XXXX Bank name : XXXX XXXX XXXX Inquiry date : XXXX Bank name : Inquiry date : XXXX
Consumer complaint received 2022-10-04
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

To whom this may concern ; On XX/XX/2022, I made a cashier 's check deposit ( issued by the IRS for an income tax return ) in the amount of {$30000.00} to Huntington Bank. 

I entered the branch to open an account as a returning customer, and was told by the company that : a. I was in good standing with them, and there were no flags nor issues with getting a new account, and b. that I was guaranteed to have my money available by the next business day. I deposit said cashier 's check to my account with Huntington. 

On the same night of XX/XX/2022, I received an email from Huntington saying that a hold was placed on my deposit until XX/XX/2022. I was not informed by Huntington in any form or fashion, that a new account would hold my cashier 's check, nor that there were any flags nor issues upon the creation of the account, and/or initial process of the deposit. 
Over the course of the week between XX/XX/XXXX and XX/XX/XXXX, I have made multiple attempts to contact Huntington by branch and phone to find some resolution or understanding about what had happened. XX/XX/2022, I spoke to a Huntington customer service representative, who claims that my account was now going to be closed over an 'issue ' with a previous account ( i.e said previous account was closed by my request, after a multitude of faulty charges kept coming through, and I did not wish to have the account anymore. ) Huntington claimed that my account had been charged off, when in fact, I followed all steps to close the account myself, in perfectly good standing with the bank. I was then informed that I could not do anything about my situation, other than wait for my deposit hold to clear, so that I could enter a branch and withdraw my funds in time. 

Huntington essentially told me that I had to race against both the bank and time, to attempt to see my funds that I had entrusted them. XX/XX/XXXX, XXXX XXXX again contacted Huntington to attempt to collect my finances. Instead, I was told that my account was now marked for closure, and that I could enter a branch, but there would be nothing they could do for me. They continued on, stating flatly that I had to wait for a check to be sent to me by mail, and that I could not access my account in any form. 

I have no access to any of my funds or account, I have not performed anything fraudulent, my funds came directly and were verified from the IRS, I have lost my cashier 's check unfairly, and I feel that I have been both financially sleighted and lied to about the bank 's processes, by Huntington Bank.
Consumer complaint received 2022-10-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC (TX)

Global Lending Services repossessed the vehicle in XXXX of 2018 after trespassing on private property, I went to retrieve the vehicle and or my belongings out of the vehicle within one week and was told that I couldn't pay my past due balance to get the car back, that I was in breech of contract and that the vehicle would be sold at auction. Although I signed an agreement with them to extend the payment plan after loss of employment. XXXX did not let me retrieve anything that I had in the vehicle to include my childrens car seat and they sold the car at auction, recuperated the amount of the loan and still continue to report me late to the credit agencies every month. 

CEASE & DESIST REPORTING OF PAY STATUS ON MY BEHALF PURSUANT TO 15 USC1681B CONSUMER REPORTING IS VOLUNTARY AND I AM NOT VOLUNTEERING OR GIVE PERMISSION TO PROVIDE REPORTING OF ANY NEGATIVE ACCOUNT STATUS TO ANY CREDITOR, CRA, THIRD PARTIES
Consumer complaint received 2022-10-04
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. (DE)

ALL XXXX AND XXXX XXXX ACCOUNTS ARE FRUAD AND NEED TO BE DELETED IMMEDIATELY THANK YOU FOR YOU HELP ACCOUNTS : XXXX XXXX XXXX ACCOUNTS : ALL XXXX XXXX
Consumer complaint received 2022-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (TX)

This account is reporting on my credit report and I have no idea what it is. I've sent letters disputing it and have not received a response. They just updated it XX/XX/XXXX and then XX/XX/XXXX saying it was " reported '' so they " re-aged '' it to show as if it's new. It states on my account that its " not disputed '' but I've been disputing it monthly for the past few months.
Consumer complaint received 2022-10-04
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. (DE)

ALL XXXX AND XXXX XXXX ACCOUNTS ARE FRUAD AND NEED TO BE DELETED IMMEDIATELY THANK YOU FOR YOU HELP ACCOUNTS : XXXX XXXX XXXX ACCOUNTS : ALL XXXX XXXX
Consumer complaint received 2022-10-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (TX)

I accidently deposited {$2000.00} when I meant to deposit just {$1000.00}. I accidently double clicked the purchase button. 

As a XXXX XXXX myself, it is common sense when programming buttons, especially that purchase something, that either the second clock is not read or a prompt is brought up asking if the second clock is correct. This is entry level programming stuff and Gemini, as a large exchange, doesn't have this safety functionality? 

To top it off, i immediately I separated the XXXX  into XXXX USD and XXXX XXXX so Gemini could easily send the bank back the extra XXXX, which would have overdrawn that account. 

They took that XXXX and sent it back to the bank immediately. 
I purchased XXXX cryptos that day. 

However, they froze my account afterwards and asked for some identity verification. I have fully submitted everything 3 times and it is 30+ days later and all I ever get is an email saying they will get back to me soon. They still have not. 

Meanwhile the value of my account has plummeted to XXXX XXXX I asked them to switch my funds to XXXX while waiting. They said no. I told them to liquidate my account and send funds back to original bank account, again no. 

I can not access my money for 30+ days and it is impossible to get anyone on the phone. I want my funds returned and to warn everyone. 

DO NOT USE THIS EXCHANGE. HORRIBLE CUSTOMER SERVICE AND YOU WILL NEVER GET TO ACTUALLY SPEAK TO ANYONE. PHONE # IS NOT PUBLISHED ANYWHERE.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

I asked the company to refund {$400.00} that was fraud. My friend XXXX XXXX has a PayPal account that I have always used to send money, But someone I have never done business disguised his/her self as XXXX XXXX XXXX I sent {$400.00} and it went to wrong perso -- someone named XXXX CASHED this payment -- - which was FRAUD. AND PayPal and my bank are refusing to do anything about it. This is an evil person preying on people. Please check into this. Thanks.
Consumer complaint received 2024-01-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MCMC Auto LTD (AR)

McMc Auto/ MIKE CARLSON MOTOR COMPANY did not follow through on their word with completing removing this paid off debt from my credit reporting. This company is unjustifiably claiming debt that has already been settled. Again, They did not completely remove this from my credit reporting like they agreed. I demand this account be deleted from my credit report immediately. This company has failed with conducting proper business.
Consumer complaint received 2022-10-04
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: EQUIFAX, INC. (CT)

1. Equifax had changed my credit score after they did not receive a monthly payment from me. My score dropped XXXX points for no reason there is no explanations as to why my score dropped XXXX points. This appears to have happened after they did not receive a payment. I do not need to pay Equifax when the score is free on XXXX XXXX 2. Equifax has not removed and old account ( XXXX XXXX account that should have come out of my report in XX/XX/2022. I have been disputing this account for years XXXX and XXXX have already deleted this account. Please assist with this issue updated and corrected thank you. Account is over 7 years old.