davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: General Motors Financial Company, Inc. (TX)

XXXX XXXX sold us a XXXX XXXX XXXX XXXX We had informed them that we would finance it with them and refinance the next day with our credit union, due to them being closed for the day. We were told that was no problem. Fast forward to the finance office, everything is complete and signed at 7.79APR for 72 months. After we were leaving they told us we can not refinance for 3 months, which was not at all what we were planning on doing. We knew we could get approved at our local credit union around 3 %. After the 3 months the interests rates went so high it didnt make sense to do a credit inquiry for a refinance. 5 months after the purchase we were told by another dealerships finance manager that used to work at XXXX, that he was lying and the dealers make a commission on financing in-house, so if you refinance they dont make the commission. We reach out out to the finance manager from the original purchase via text and he now stated we had to wait 6 months to refinance. After this I read thru my contract and it revealed there is not prepayment penalties at all, and we could indeed refinance at any point.
Consumer complaint received 2023-08-17
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital car financing gave pre approval options so I went with the pre approval so my credit wouldnt be affected! A person from capital one reaches out and tells me I didnt qualify for pre approval but stated they could try other options and would give me a call back. I told the representative that I didnt want to go through the process if it wasnt a soft inquiry and they said okay. Two days later capital one submits 2 credit applications without my approval DAYS LATER to 2 different loan companies one being capital one and one being XXXX who I never even heard of until it hit my credit report! I tried contacting capital one about this issue since XXXX and they keep giving the run around not acknowledging that they rep kept my SSN on file after I denied they service and used my social to apply for car loan applications TWO days LATER without my consent! This is damaging behavior to the consumer to hit their credit with 2 hard inquiries when they did not consent of this and is bounds for identity theft. It is illegal to use some SSN days later without having their consent and also to store someones credit number is absolutely INSANE. That kind of information is sensitive and a representative should not still have access to my ssn days later after we talked!
Consumer complaint received 2023-10-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (PA)

I apparently owe a debt company called debt recovery solutions. I called them 3 or 4 times between XXXX of XXXX. I asked them to give me any information on what my debt was from, since it just showed up on my credit report randomly on XX/XX/2023. First time I called I asked for any information on what my debt was from and the first thing they said was how would you like to pay. Second time I called, they told me they were going to email me the information and never did. Called them a third time and they told me they mailed it to me, but I dont recall getting a letter. I have also moved 4 times in the past XXXX years. TERRIBLE customer service, they are very pushyon the phone for payment. I wont pay until I know its a legitimate debt that I owe.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (TX)

These accounts are inaccurate and fraudulent and should not be on my consumer reports. I am demanding these accounts to be deleted asap. 

NCA {$300.00} NCA {$540.00} XXXX XXXX  {$660.00} XXXX XXXX XXXX {$1700.00}
Consumer complaint received 2023-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (IN)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2024-01-19
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: EQUIFAX, INC. (AL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (GA)

In XXXX, I made deposits to cover items that were going to be submitted to my account. Despite these being transfers from the same bank or electronic deposits, Huntington Bank did not post this to my account despite reflecting it in my available balance. This led to my account returning items, and in one case, XXXX XXXX, being sent a notice that my account did not exist. These caused me fees of {$39.00}, {$39.00} and {$35.00} from XXXX, XXXX XXXX and XXXX first respectively. 

More importantly, a return item to XXXX XXXX has caused them to report my account as 30 days late since I was not aware of the return ( no notice from Huntington either ). I have never been late on any credit line and this mishap is causing my credit to drop with potentially creditors seeing me as a risk, which I am not. 

Similarly, yesterday, I made a payment to my Huntington bank credit card, only to receive a late payment notice from them. Ironically, this was a transfer between the same bank and made within posting times. 

These errors have caused me harm and I request a refund of fees plus a resolution of the credit reporting. An example of the current notice despite payment is attached. 

I request an urgent resolution to forestall further harm. Thank you
Consumer complaint received 2024-01-19
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. (CO)

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XX/XX/ ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Please see screenshot attached. inaccurate data reported. 15 U.S. Code 1681e
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX  is reporting my last payment made to them was in XXXX. This is inaccurate, last payment made to them was around XXXX. This should already be off my credit report. By reporting my last payment was XXXX pushes my 7yr retention back to XXXX. This is keeping me from obtaining credit. I've had no contact of any kind with XXXX  since XXXX.
Consumer complaint received 2024-06-23
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. (IL)

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. 

Credit report hard inquiries 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 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 XX/XX/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 2023-04-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Please be advised that on XX/XX/XXXX I received a Bank of America checking card under my maiden name for an account that isn't mine. I called Bank of America on XX/XX/XXXX and informed the associate that an account was opened under my name. After investigating the associate confirmed that a checking account was opened around XX/XX/XXXX and has online access to the account. The account was flagged for fraud and closed. I then ( XX/XX/XXXX ) informed XXXX, XXXX and XXXX that I have been a victim of identity fraud. On XX/XX/XXXX I received an email alert stating that I couldn't open an account online with Bank of America and that I need to walk into a branch. On XX/XX/XXXX I called bank of America and informed the fraud department that I received an email alert about an account being opened. The associate advised me that someone attempted to open another account via online through the mobile app but it was denied. She also informed me that someone attempted to open an account under my name in XX/XX/XXXX. She then gave me information to this website and XXXX for further help.
Consumer complaint received 2024-01-23
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. (FL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-01-23
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 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 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NH)

I am opening this for the second time. JPMCB refuses to provide any information to me in regards to this account. I have requested they send me any agreements, contracts invoices bills receipts.. but they wont do it.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

This is a second complaint to the pending response of complaint : XXXX I paid this credit card off in XXXX and failed to cancel an automatic payment of {$100.00} that was paid in XXXX. I called today XX/XX/28 and they said I owed interest after I paid off the card. It is an unfair and deceptive practice to charge a consumer interest after the account was paid off. BofA refused to refund my {$100.00} and said that I owe them interest in the amount of XXXX. I want BofA to refund my {$100.00} payment and any interest owed from the 1st complaint.
Consumer complaint received 2023-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MD)

I pay my PayPal bills with my related Synchrony Bank credit card. The on-line payment information provided by Synchrony Bank shows `` Current Balance '', and " Minimum Payment Due. '' It does not show the balance as of the end of the billing period. So the choices provided fail to show the option with the required amount to be paid without incurring finance charges. 
The " Current Balance '' can include charges incurred after the end of the billing period, so this choice would have the consumer pay more than the amount required to avoid finance charges. And the " Minimum Payment Due '' would usually incur finance charges on the account. 
This is bad disclosure and, I believe, constitutes an unfair business practice. The billing statement should also indicate the balance at the end of the billing period so consumers will know how much they need to pay without incurring a finance charge. 
The Synchrony Bank chat facility ( on XXXX XXXX ) could not, or would not, provide the information of the end-of-period balance, and did not properly identify the government agency information for regulating such practices.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and fix from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

i contact XXXX XXXX XXXX, Experian by mail by phone many times all this negatives should not be on my name i sent the credit Bureaus letters asking them to verify the on my report.the have sent it back stating that everything is verified correctly. my credit report is still showing inaccuracies 15 U.S.C 1681s-2 XXXX  A person shall not fumish any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that the information is inaccurate, i hpe this get remove only XXXX did remove the public record but i still heavy other things its not my trans union did not removed yet, Experian needs to remove the Public record please im asking CFPB for help again thank you
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Complaint Against Equifax for Violations of 15 USC 6802 and 15 USC 1681b Resulting in Unauthorized Accounts, Addresses, and Inquiries Dear Sir/Madam, I am filing a complaint against Equifax for violations of 15 USC 6802 ( Gramm-Leach-Bliley Act ) and 15 USC 1681b ( Fair Credit Reporting Act ), which have resulted in significant harm to my credit report and financial standing. Details of the Violation : Unauthorized Accounts : Several accounts were opened in my name without my knowledge or consent. Unauthorized Addresses : Incorrect and unauthorized addresses were added to my credit report, which do not belong to me. Unauthorized Inquiries : Inquiries from creditors I have no relationship with appeared on my credit report without my authorization. Impact on Me : As a result of these violations, my personal and financial information has been compromised, leading to severe stress and significant financial consequences. This includes difficulty obtaining credit, potential financial losses, and emotional distress caused by identity theft. Actions Taken : I have taken the following actions to address these issues : Filed an identity theft report with the FTC ( Report Number : XXXX ). Submitted disputes with each credit bureau, including Equifax, to remove the unauthorized information. Requested Resolution : I request the following actions to be taken by Equifax : Immediate Deletion : Remove all unauthorized accounts, addresses, and inquiries from my credit report. Investigation : Conduct a thorough investigation into how my personal information was mishandled and ensure corrective actions are implemented. Assurance : Provide assurance that Equifax will comply with 15 USC 6802 and 15 USC 1681b to prevent such incidents in the future. Corrective Actions : Take appropriate actions against the responsible parties to prevent recurrence. I appreciate your prompt attention to this matter and request confirmation of the actions taken to resolve my complaint. Thank you for your assistance.