davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (VA)

In XXXX XXXX I requested a payoff amount from GM Financial to pay off my car loan. I paid over {$9000.00} the beginning of XX/XX/ and received a letter not long after, showing that the loan was paid off. I took the letter to DMV and weeks later, received my car title with no liens. Now, two years later, I started receiving emails and voicemail messages saying that I now owe {$3000.00} on the car loan. I deleted the emails and didnt call the voicemails back thinking it was a scam. I decided to finally call GM because I was annoyed and wanted to make sure it was a scam. To my surprise, the customer service clerk tells me that they had made a mistake, two years ago, and my car loan was not paid off and I owed over {$3000.00} and my payment was past due. I am extremely upset and dont understand how a mistake like this could have happened, why they waited two years before contacting me, why they mailed me a letter saying it was paid off and why they reported it paid off to the credit bureau .
Consumer complaint received 2024-02-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (TX)

REF : XXXX I applied for an American Express credit card on XX/XX/2024 and was denied. Regardless of the reason for being denied. I have the RIGHT to credit. What gives American Express the Right to access my Principal estate without it benefitting me? Withholding access to my Securities is Securities fraud. American Express is violating The Equal Credit Opportunity Act and the Consumer Credit Protection Act. 
You are denying me access to MY credit, While at the same time breaching your fiduciary duties, committing acts that the Bill of Exchange Act and The Trust indenture act was enacted to protect us investors from. I dont mind you profiting from my receivables, just dont deny me my right as an investor to access the same benefits. I am owed principal interest every billing cycle to be applied to my Principal 's balance. I hereby claim ALL principal 's interest. 
This can be settled in an equitable manner. Please reconsider your decision, dont discriminate against my rights. XXXX is also a form of payment. Banks Borrow, issue security and pay interest according to 12 USC 1431. 
If my application can't be reversed, then retract my application. A Hard inquiry has been added to my consumer report which proves American Express has acquired an investment from my principal estate. 

Thank you, By : XXXX XXXX XXXX XXXX For : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Possible Financial Inc (FL)

I reached out on XXXX about a payment that I had on XX/XX/XXXX and XX/XX/XXXX. I was going through a hardship and I had asked to move my payments to XX/XX/XXXX and XX/XX/XXXX. I made the third payment on XX/XX/XXXX. My final payment is XX/XX/XXXX. At XXXXXXXX XXXX I received an email from possible loan telling me that my account is 40 days past due and that I have one payment remaining. And that I am at risk of a charge off. The final payment I have is scheduled for XX/XX/XXXX of {$85.00}. I am on a fixed income, barely making it and already Possible is threatening to send me to collections. When I have been a repeat customer since 2021. I would like the communications and emails to cease-and- desist. My final payment is already scheduled for the XXXX.
Consumer complaint received 2024-02-07
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: FC HoldCo LLC (TX)

I have never applied for any vehicles since XXXX. Its someone that showed me recently all the inquiries that i have on my credits reports and i was shocked because i dont recognized any of this. please help me remove them because i never applied for any vehicle and dont have current vehicle linked on my credit. 

Thank you
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capitalone is choosing to take a two month old credit score which I can't justify, when the current score is XXXX points more than the one they are pulling. I would like someone to look into this false practice.
Consumer complaint received 2023-12-26
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: Experian Information Solutions Inc. (IL)

Ive contacted XXXX several times about these unauthorized inquiries on my credit, as well as submitted an FTC report and they still have not removed these inquiries from my credit report as requested : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am writing to formally notify you that I have been the victim of identity theft, which has resulted in fraudulent accounts being opened in my name. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that all the accounts and inquiries listed below be blocked from my credit report and deleted entirely. 
The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, please block and remove the following inquiry from my credit report : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-26
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. (MO)

I have disputed XXXXXXXX XXXX XXXX and they still have not validated the debt with a contract that has my signature stating that I have a contract with their agency. As a third party they are in violation of the Privacy Act of 1974 because I have not given them my social security number for the purposes of a contractual relationship with them or permission to be in possession of my personal identifying information in violation of the FCRA and the FCDPA permissible purposes 15 USC 1681b and validate the debt 15 USC 1692 including providing the master servicing agreement for the debt as well as the items listed in my letter that was sent to XXXX XXXX requesting the debt be validated before reporting to the bureaus within the initial 30 days of receiving their letter and I complied and I received nothing but they posted defaming information to my credit report with through a third party XXXX  which is a violation of my rights according to the Privacy Act of 1974 and the Patriot Act under Title 12 for companies who are securitizing my data through the SEC without my permission must have certain identifying documents and I have not provided any of those documents to XXXX XXXX. I am prepared to take legal action against both XXXX and XXXX XXXX for using my bureau reports to post negative and defamatory information to my credit reports without my permission. 

Also the follow addresses do not belong to me and are a violation of identity theft because I never lived there. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the above addresses that are fraud and do not belong to me. Please remove these addresses from my credit report. I have a right to a fair and accurate reporting to my credit report in accordance to the laws of the FCRA. I am the person who determines what posts to my report. Not XXXX nor XXXX XXXX and both must conduct themselves in accordance with the laws of the FCRA, FCDPA and the Privacy Act of 1974.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

I am writing to formally dispute the negative accounts reported on my credit report. Upon review, I found that your company is reporting inaccurate and incomplete information that has caused significant harm to my financial standing.
Consumer complaint received 2022-07-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (GA)

XX/XX/2008 I went to the XXXX XXXX XXXX XXXX XXXX XXXX to talk to the financial advisors about enrolling in their program.. during my consultation I was strongly advised to register that day due to fees and admission exams being waved but they couldnt promise this if I decided to wait to enroll I was told that the financial aid wouldnt take long to apply for only 15min after explaining my credit was not good I was told no worries we can find a program to put you in I applied they told my I was awarded full pell and what my pell didnt cover I was awarded student loans only after the first term did they tell me that you miss a hr of a course you would time out and have to retake the class.. they then advised if you cant make it DONT come on the first day of the class because once you sit in the class and dont finish because you miss an hr you will have a failed grade they never said or explain they would charge twice for these classes if you choose to sit out so as to not get a failed grade after my first year I found a school in my area that was only {$5000.00} for the entire program I wanted to transfer but was informed that my entire cost of {$60000.00} for the school I was currently attending i would be still liable for even though I had 16mo left in the program.. which made me have to stay due to the financial strain once I graduated they told me I owed {$60000.00} I asked them how this was possible if I was awarded full pell.. I asked them to explain what my pell paid they refused to explain, told me I signed the contract, they stop returning or answering my calls and I have never been able to pay $ XXXX {$800.00} dollars a month since graduation this has kept me from getting a home, I have suffered in my relationship my mental health and financially since attendance of XXXX XXXX XXXX XXXX I would have never went if I knew I would have to pay the total amount of {$60000.00}
Consumer complaint received 2024-11-06
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. (TX)

I'm in disagreement with the accounts 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. 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 who you verified the above follow up. Please send me an updated copy of my credit report after you reinvestigation. 

Accounts to reinvestigate : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-30
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: EQUIFAX, INC. (CA)

I AM A VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY IDENTITY AND OPENED FEW CREDIT CARDS UNDER MY NAME. I HAVE SENT NUMEROUS TIMES MY IDENTITY THEFT REPORT ALONG WITH MY POLICE REPORT PROOF THAT THE ACCOUNTS WERE OPENED FRAUDULENTLY.
Consumer complaint received 2020-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NJ)

Received email about purchase at Best Buy. Was aware that had not made a purchase and went online and verified that 2 purchases were made with one being sent to XXXX area and I live in XXXX. Online showed purchase with My Best Buy Visa, which I did not apply for or own previously. 

Called Best Buy and they claimed they could not stop shipment of product even though it had not shipped. Inquired about CC and they advised they can not access any XXXX  information at BB and have no information as only Citibank has information. Asked to speak to their Citibank Rep and was forwarded.

Citibank Rep could not find a XXXX  unless I had the XXXX  number which no one can provide or my SSN. S
SN search did not turn up XXXX. Rep could not provide any infomation or help beyond. Told me to contact next week as it was XXXX XXXX and services where limited due to Holiday weekend. Called back Best Buy and got the same information as before as they could not help. 


Started process again on XXXX XXXX by calling Best Buy. Wanted whole story over again as last calls had no created a case file and there was no information about previous call in. Asked to speak to Supervisor and was told I would need to wait for a return call. 

Froze all my accounts as I have no idea at this point as to what is happening and what has been exposed. 

Called Best Buy back after 3 hours. Agent claimed there was nothing she could do and could not or would not escalate my call request. Finally got a case number, by can not get a copy for police report or any other reason and I am in some BB system of which she seems to not have knowledge or access. Can not get policy on what happens to report or if I will be contacted. She claims to be very knowable of BB policy, but claims NO ONE in Best Buy can help with XXXX  information.

Asked to be forward to their Citibank department and got forwarded somewhere. Started to explain again the issue to someone and got forwarded without my knowledge back to BB? No one picked up and was disconnected.

I seem to to be stuck. No one in BB or Citiban
k can seem to find the XXXX  that is supposedly in my name as no one can access such information. Very frustrating and unbelievable at the moment.
Consumer complaint received 2024-10-24
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: EQUIFAX, INC. (TX)

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several inquiries and/or pieces of information on my credit report that are incorrect and were not authorized by me.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-18
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: EQUIFAX, INC. (OH)

On XX/XX/2023 I sent certified mail to The reportion credit unions about illegal activity being written on my report. With no response. 


Under 15 USC 1681b - permissible purpose of consumer report, XXXX XXXX CLEARLY STATES : ( a ) IN GENERAL subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other. 
( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) Exclusion from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to subsection 1681s-XXXX of this title any- ( i ) Reports containing information solely as a transaction or experiences between the consumer and the person making the report.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I reviewed my credit report and noticed an account that was not reporting accurately I had 2 late payments on a account that was paid on time but consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I also have attached a copy of myreport to this complaint as proof of my complaint on the following dates XX/XX/scrub>XXXX XXXX XXXX I am now requesting that you investigate and provide verifiable proof with records showing that I had late payments if these records can not be verified I ask you kindly to update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am so upset with this bank! I scheduled a transfer to take place on the XXXX of this month like I do every two weeks - the monies were supposed to be transferred to my account that is used only to pay bills. Here is the XXXX of this month and the monies have NOT been transferred yet!!! I can not transfer them myself as it will be a double transfer - the bank has not even attempted to manually transfer the funds as there is an issue within the system. My bill account is now negative! I do not want to get any fees for this as I planned this days ago and it has still not gone through yet! I spoke to someone at the bank and she did not make any sense as to why it has not happened yet. This is beyond unacceptable! I should not have to call the bank over and over again to see why my funds have not transferred - I have more than enough money in all of my accounts!
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP (NY)

I have made several attempts since the year XX/XX/XXXXto make U.S. Bank aware of my difficulties in pying off my credit card, but for the most part, U.S. Bank has ignored my efforts to contact them which is truuly unfortunate becuase I have the feeling U.S. Bank is  stringing me along to make their Bill larger. I previously had made the mistake of engaging XXXX  XXXX XXXX in XX/XX/XXXX hoping XXXXr XXXX would assist me by contacting U.S. Bank and other creditors ( XXXX XXXX, XXXX ... ) but they did not contact U.S. Bank. XXXX XXXX XXXX ( a real disadvantage to unwitting consumers so I learend ), wilfully neglected to call U.S. Bank to inform them of my difficulties, I had lost my employment in XX/XX/XXXX after working for the same Employer for almost 20 years ( I filed an age discrimination, gender discrimantion Human Rights Complaint locally in New York ), my beloved Mother in Law of 35 years was diagnosed with XXXX  XXXX in XXXX, XXXX, and saldy, she died two months later on XX/XX/XXXX. I was her XXXX XXXX. My Wife previously had XXXX XXXX ( part of her intestines were removed ), and she suffers from severe XXXX. U.S. Bank does not respond to my telephone calls and letters previously sent to them. They behave high handedly, and smugly ignore my pleas. I am at a loss at what to do becuase I want to settle the account with U.S. Bank, but they must be reasonable, and realisitc. I do not owe {$5000.00} and I pray U.S. Bank will ackknowledge this since they over inflate their interest rate so that people like me pay a King 's Ransom in very high interest, and never finish paying up. I seek your assisitance to garner U.S. Bank 's attention. I am acting in good faith, seeking to settle my account ending in XXXX. I am not absocnding on my obligaiton becuase I am an honorable person.