davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc. (VA)

On XX/XX/2023, I submitted a pre-approval application through a website called XXXX XXXX XXXX XXXX with the understanding that I was applying for pre-approval for an auto loan. I was told that XXXX would perform a soft pull of my credit file and present me with a list of various lenders and the rates for which I was pre-approved. XXXX 's FAQs ( XXXX XXXX XXXX XXXX make clear that the first step is pre-approval, and a hard pull is initiated " Only when you choose an offer to submit for lender approval. '' As I was completing what I thought was the pre-approval process, my application was forwarded to some other company called XXXX  and I was asked to provide additional information, including my social security number, so that my application could be approved. The relationship between XXXX, XXXX and The XXXX XXXX, was not explained or disclosed. I thought I was rate shopping with various lenders, when in reality XXXX is little more than a facade for this other company. 

Fortunately, I did not provide my SSN, which I believe would have triggered a hard credit inquiry without my consent.
Consumer complaint received 2023-10-28
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. (FL)

XXXX XXXX XXXX is reporting an account transaction on my credit report that I have no knowledge of. I have never done any business with the company and have never provided any written consent for the company to utilize my personal and financial information. The companies actions have hindered my access to credit and has affected my household finances. 

TRANS UNION is supposed to have reasonable procedures in place to make sure I am never affected by these unauthorized practices. My credit report is never supposed to be compromised.
Consumer complaint received 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (WA)

I requested SCRA benefits to my account under the Ohio state provision code. Since i am in the XXXX, I no longer have the paperwork they requested to proof my residency. I provided my XXXX XXXX showing that my residence t the time of XXXX  was Ohio. Under the code the XXXX XXXX should suffice as the requirement. I was denied the benefits.
Consumer complaint received 2023-12-16
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. (MO)

Please investigate the accounts that are listed in this dispute. 

15 U.S.C 1681 section 602 A. State I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please remove this information from my credit file as these accounts does not belong to me and you are hurting my credit because of this.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-12-18
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. (FL)

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 2023-12-18
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 2024-07-24
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA (GA)

FNBO closed my credit card account ending in XXXX without prior notice or without my consent. They are in violation of 12 CFR Section 226.11. They are also not accepting my method of payment to set off the account and that there puts FNBO in violation to 15 USC 1693o-1. To add, the account ending in XXXX was in dispute and they still moved with closing my account unlawfully.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$16000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} XXXX  XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Throughout, I've ensured that payments on this account are made on time, never allowing them to become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In 2020 I contacted bank of America after noticing my account had - {>= $1,000,000}, I was told someone used my bank card at an atm and tried to get money off it. I told them my card was stolen and they notified me that nothing was taken, I wasnt seen on the camera and I was cleared of suspicion through a form of a letter. Three years later I am on the XXXX list for banking what should have been declared identity theft was claimed as fraud. I have gone to the physical bank and talked to phone agents, spoken to the police and consumer agents to get advice and help. The bank has not complied and has gas lighted and lied in this situation. The dates they provided consumer agency and the physical letter I gave them proved that information was incorrect, though my disputes were denied and the bank isnt giving me the full information or the consumer agencies. I dont know what to do further without the banks help with details of information I cant get a police report. No money was said to be taken as told by agents via boa on the phone. The bank told me that they didnt have the data because it was over 2 years but they have invalid data to give saying I was fraudulent.
Consumer complaint received 2023-11-08
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (CA)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

There are medical collections on my account that should not be on there. According to The Fair Debt Collection Practices Act ( FDCPA ; 15 U.S.C.

1692-1692p ) and P.L.

115-174, Section 302, provides veterans with credit reporting protections relating to medical debt, including extending the waiting period for medical debts in credit reports to one year and removing paid or settled medical debts. 

The following accounts are either less than {$500.00} and/or reported within less than a year : XXXXXXXX XXXX XXXX {$250.00} Original Creditor is XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00}
Consumer complaint received 2023-08-05
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. (TX)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-09-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: SLM CORPORATION (IL)

Received 4 loans from Sallie Mae for education totaling {$33000.00}. Shortly after graduation and repayment began, we were forced to file XXXX  XXXX bankruptcy due to not being able to afford payments. During the 5 year XXXX  XXXX plan we were paying Sallie Mae every month through our trustee. We were just granted access again to online account, Somehow after paying 60 months worth of payments, when we got out of the plan and discharged, the amount was up to almost {$48000.00}. So we gained {$15000.00} in additional balance. How does this happen? How is this legal? And what is the point of bankruptcy if you come out in worse shape than you went in? And during bankruptcy we are not allowed to see our online account and how the payments are allocated, so we have to just take their word that is applied correctly. If we could see interest racking up at a rate of $ XXXX per year, we may have been able to do something at the time rather than just be saddled with 30 % extra debt a the end. Please do something about these predatory loans.
Consumer complaint received 2023-12-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Byrider Franchising, LLC (TN)

I purchased a vehicle from byryders XXXX XX/XX/XXXX, everything was going smoothly I took XXXX XXXX trip to XXXX and when I got back home, the car kept stalling and was stuck in neutral, a transmission error came across the car and could not be driven, I got it towed to byriders which they were closed and I emailed them to let them know what happened the next morning some one called and asked what happened and as soon as I explained it they hung up in my face. I tried to calling to speak to the XXXX and no one would answer. so I texted her telling her the issues that I had with the XXXX and wanted to see about getting a new car or my money back considering I only had the car for about XXXX weeks and she read my message and hasn't responded or contacted me since.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2023-12-18
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. (AR)

I am writing to express my deep concern and dissatisfaction with the multiple unsuccessful attempts to correct the late opening of accounts associated with my profile. Despite repeated efforts on my part to rectify this issue through various channels, I have encountered persistent challenges, and the problem remains unresolved. 
I initiated the process to open accounts with your institution. Regrettably, these actions were not processed in a timely manner, leading to significant inconveniences. Despite my multiple attempts to address the matter through your customer service department, online channels, and in-person visits to the branch, I have not witnessed any tangible progress in rectifying the delays. 

The repercussions of these late account openings have been substantial, affecting my financial stability and causing undue stress. Furthermore, the delays have resulted in missed opportunities and financial setbacks that could have been avoided with prompt and accurate processing. 

I appreciate that errors can occur, but the repeated failures to correct this situation and the lack of communication on the progress of my case have left me frustrated and dissatisfied as a customer. I believe it is my right as a customer to receive timely and accurate service from your institution. 

In light of the above, I request an immediate and thorough review of my case. I expect a comprehensive investigation into the root cause of the delays in opening my accounts, as well as a transparent and communicative process for keeping me informed on the progress of the resolution. 

If the necessary steps are not taken promptly to rectify this situation, I will be compelled to escalate this matter to the relevant regulatory authorities and consider pursuing legal action to protect my rights as a consumer. I am asking for your assistance to correct these late open accounts in my credit file : US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, 2018 Balance {$1500.00} ; US DEPARTMENT OF EDU XXXX Opened XXXX XXXX, 2018 Balance {$1500.00}.
Consumer complaint received 2024-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NH)

I received a one-time adjustment ( an XXXX adjustment ) to my loan ( XXXX ) on or around XX/XX/XXXX. My effective date was XX/XX/XXXX ( the date at which I had fulfilled my XXXX obligation ). 

I am due a REFUND of my overpayments made after my effective date. These payments were made by auto-debit from my bank account. These payments were found in my history on NELNET. Soon after my forgiveness, the payment message changed to OTHER. These payments were XXXX. My refund should be approximately {$9000.00}. 

I sent an email form note on contact us page on XX/XX/XXXX at XXXX a.m. and did not receive a response. I have attempted to call NELNET on multiple occasions and can not get through. I also called but could not get through. I sent a letter to NELNET today. 
Account # : XXXX XXXX XXXX
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-12-18
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. (AR)

I am writing to express my deep dissatisfaction and frustration concerning the multiple unsuccessful attempts to remove fraudulent items from my credit report. I believe that these inaccuracies are adversely affecting my creditworthiness, and despite persistent efforts on my part, the resolution of this matter remains elusive. 

I submitted formal disputes through your online dispute resolution platform, providing comprehensive details and supporting documentation to substantiate my claim for the removal of fraudulent items. Unfortunately, these submissions have not resulted in the desired corrections, and the fraudulent information persists on my credit report. 

The existence of these fraudulent items has had a severe impact on my ability to access credit, secure favorable interest rates, and engage in essential financial transactions. I have diligently followed the prescribed procedures, including contacting your customer service department on multiple occasions, yet the promised resolution has not materialized. 

I understand the importance of accurate credit reporting in maintaining the integrity of the financial system, and I am committed to resolving this matter promptly. However, the repeated failures to address my concerns have caused significant distress and hindered my financial well-being. 

In light of the above, I am requesting an immediate and thorough review of my case. I expect a comprehensive investigation into the fraudulent items on my credit report and the swift removal of any inaccuracies found. Furthermore, I request regular updates on the progress of this matter and a clear timeline for resolution. 

If decisive steps are not taken promptly to correct this situation, I will be compelled to escalate this complaint to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$370.00} XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$760.00} XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$760.00} XXXX XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$370.00}.