davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: World Omni Financial Corp. (FL)

On XX/XX/2022. I purchased a brand-new XXXX  XXXX XXXX from SouthEast Toyota Distributors , LLC. in Florida. In the distributor 's options, there is an add-on called XXXX XXXX at a cost of {$690.00}. I told my salesmen that I didn't want that add-on to remove it. I tried calling numerous times to get it removed or canceled. As of today, they made it unreasonably difficult for me to get out of it.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (GA)

I spoke to transunion and they made me aware that my credit file was, iced in with someone else and that they would remove a discover account that was not reporting and all of a sudden showed up. As of XX/XX/year> it was not there and on XX/XX/XXXX it started reporting. I was not given the time according to the FDCPA and FCRA that a collection would be placed on my file.
Consumer complaint received 2023-11-21
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: FIRST NATIONAL BANK OF OMAHA (AR)

My balance on my XXXXXXXX XXXX XXXX was due XX/XX/XXXX. I had previously made a payment but purchased other items throughout the month. I logged on, on my due date to pay may entire balance, which I did. However, when my new statement came out I was charged around {$55.00} XXXX  for the XXXX balance. My entire statement was for only interest. Every credit card I have talked to since has confirmed that if your balance is paid off on or before the due date you should not have an interest fee. However, I called twice to try to get this resolved. One person told me that's the way credit cards operate, which I have had numerous cards over the past 30 plus years and this is the first card to operate this way. The other time I called I was informed that they charge interest for two consecutive months regardless of the balance. What? I then tried to email three times, the first two no response. The last time, after typing a huge email I was informed there was technical difficulties and my email did not go through.
Consumer complaint received 2023-04-09
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. (LA)

Attached you will see I have several inaccurate items reporting on my consumer report that don't belong to me but have come back verified and I demand a thorough method of verification/validation of these accounts! I am in the home buying process and these inaccuracies have damaged my credibility tremendously in the eyes or mortgage institutions and lenders. If these accounts can't be thouroughly validated I want them deleted from my cosusumer report within 10 days of receipt of this complaint as I've already submitted my initial dispute.
Consumer complaint received 2022-12-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This is in regards to the other dispute on my account. Bank of America did resolve my fraud charge claim. I was told last week by XXXX XXXX that Bank of America would call the XXXX credit bureaus to correct my credit report. I called both XXXX and XXXX and they have not heard from Bank of America. I have been told by legal advisors that it is Bank of America 's responsibility to fix this problem. Please refer to the cases that are now closed for more details. Received letter that Bank of America has resolved my issue with them just need them to do what I was told that they would do.
Consumer complaint received 2023-11-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OR)

I have contacted I.C. System twice and told them this is not my dept. 
I do not have XXXX XXXX account. 
My Cell phone has been provided by employment company for 15 years plus. 
It is a corporation account with ATT I.C. Systems keeps sending mail requests to pay bill. 
that I have told them is not my account. 
It Started at {$2400.00} XXXX 
Now {$2500.00}
Consumer complaint received 2024-05-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (TX)

On XX/XX/2024, I booked a XXXX XXXX XXXX XXXX XXXX XXXX and made my first payment of {$500.00}. I discovered that XXXX was listed as " Do Not Travel '' country under US States Department on the same day ( less than 24 hours after payment ). I called Elan Financial Services to reverse charge the {$500.00} payment from my VISA credit card. The service Rep advised me to work with XXXX to get my refund. 
On XX/XX/2024, I requested cancellation of the XXXX trip for fear of our safety there and full refund of my first payment. XXXX and I had been exchanged emails many, many times and refused to refund my money. 
On XX/XX/2024, I received a letter from Elan Financial Services dated XX/XX/2024. It stated that they had issued a provisional credit of {$500.00} and requested me to complete a Dispute Form and provided any documents related to this charge. I did complete the Dispute Form and provided documents of my email correspondence with XXXX of their refusal of the full refund. I fax all these documents to their provided fax number. 
On XX/XX/2024, I fax additional documents of my email correspondence with XXXX of their continued refusal of my full refund to Elan Financial Services. 
On XX/XX/2024, XXXX cancelled my XXXX trip without any refund of my {$500.00} payment. I fax this email to Elan Financial Services. 
On XX/XX/2024, I received second letter from Elan Financial Services dated XX/XX/2024. It claimed that they did not receive a response to their request information and reversing the provisional credit of {$500.00}. I called the Card Member Service line and talked to a representative named XXXX. She ensured me that they had received my previous three faxes with all completed request information. She told me that she would forward these documents to the XXXX and re-issued the provisional credit of {$500.00}. 
On XXXX XXXX, I received my VISA credit card statement from Elan Financial Services. There was a charge of {$500.00} and the provisional credit of {$500.00} was not re-issued. I called Elan customer service line and escalated to a supervisor named XXXX. He told me that I could not contact their investigator directly ; the best he could do would be forwarding these documents again to the investigator and had them called me. I did not received any calls from Elan Financial Services since then. 
My Elan Financial Services XXXX XXXX XXXX XXXX Please help.
Consumer complaint received 2023-04-03
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: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-11-21
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-21
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.

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 2023-11-21
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (MI)

Due to the seriousness of XXXX 's XXXX XXXX, he will not be able to make any payments until he returns home if that will happen. He is in XXXX XXXX and remains in the hospital for an indefinite period of time, he will not be home for the holiday and arrangements are being made for his final wishes. Please respect and do what he wants, he knows that the GM payment is due now, but he needs to delay it until the end of the month, if possible. His income has dropped considerably since he has been in the hospital due to XXXX  and hospital stays which were not anticipated. Please work with XXXX while he is here, we may lose him at any time. 
XXXX remains in the hospital, he is waiting for some kind of response from the emails, he is worried that you're going to pop on his doorstep ( he is not there ) and repossess the jeep. He is asking for time and wishes that GM \could move the outstanding due payments to the end of the contract until he somewhat recovers ( he never will ) from XXXX  XXXX XXXX. There is no cure for this, he is placed on a medication remedy only and that is what is keeping him alive. Sorry for the bad news, but it's a reality and he is trying to come up with a solution instead of lying there in bed suffering so, please work with him. 
Please stop any repossession proceedings, XXXX can not help the situation he is in, he can not believe GM would take the car while he is suffering seriously with XXXX  XXXX XXXX, the car will always be here, but XXXX may not survive the horrible XXXX. Please keep him in your prayers and please don't rush to a quick decision without any kind of notification on what you're going to do. We think you should move the outstanding balance to the end of the contract until XXXX XXXX hopefully gets better. Please note he is sacrificing his car payment for his health, and he wants all of you at GM to understand his situation. He is going to try to work with his credit union if he is able to pay at least one payment, we will not know until this week so please read the above and show some compassion because I am afraid you're going to lose a good customer, would you rather have the car instead of XXXX XXXX.
Consumer complaint received 2023-09-07
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. (IN)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts in question. Your failure to positively verify the account which I have disputed has hurt my ability to obtain credit. Under the FRCA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the disputed accounts. Please notify that the items have been deleted pursuant to 611 ( a ) ( 6 ) 15USC 1681j ( a ) ( 6 ). I would like to remind you, using the E-OSCAR method to verify these disputed accounts which you are aware of, is against the FRCA guidelines. I was told by representatives of all 3 major credit bureaus " I will not get a validation letter or a investigation letter as I requested by State and Government law as a consumer. '' Please include also the method used to " verify '' the debt you claim I owe. I have requested the person 's name, phone number, company address, company name and the individual 's title of the investigation. Please remove all non-account holding inquiries.
Consumer complaint received 2023-11-13
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. (GA)

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 2023-11-21
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. (IN)

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 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 2023-11-21
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: TOYOTA MOTOR CREDIT CORPORATION (KS)

First off, I had financed through XXXX Toyota in XXXX XXXX, on XXXX, have an over XXXX credit score the best APR they gave me was 72 months 8.89 % after I realized that there were lower rates, I called Toyota in XXXX to get a lower APR, saying that with an XXXX credit score I should have received a better offer. They told me they could give me a 6.9 % APR, this involved them checking my credit, another hard inquiry, and {$340.00} servicing fee. I declined. I have the Toyota servicing app, on the app I can not see how much of my payment is going towards principle or interest, I called on XXXX, I was on hold for XXXX mins, on the phone with the Toyota representative for an hour, no resolve! Payment history should be transparent. Can you help me with this later half of this complaint?!
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This will be my 5th time addressing the same issue with a reinvestigation of inaccurate fraudulent items on my credit report. I have submitted several documents showing the fraudulent items removed from TransUnion as of XX/XX/XXXX. However XXXX and XXXX claim to have verified as accurate the very same information TransUnion could not verify and has since removed from my credit report. Please explain how this possible if the reinvestigation is for the same information furnishers. Im attaching a copy of my police identity theft report from XX/XX/XXXX showing the inaccurate fraudulent information and copy of my XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX credit report still showing inaccurate information after reinvestigation. According to 15 USC 1692 611 ( 5 ) a After any reinvestigation If the consumer finds any item to be inaccurate it must be removed immediately. How long does a investigation and reinvestigation take? According to the law 45 days in total. I have been in a continuous loop for the pass 3 years. With these none compliance credit agencies. In the FCRA Congress said since credit agencies choose to hold the records and reports on the consumer they have a duty to make sure that the information is accurate. And if information is not accurate they must remedy the situation. However it seems this only applies in some cases and not mines. They only other thing I can assume is discrimination against me for exercising in good faith any right, afforded to me under the Consumer Protection law. What other conclusions could I draw when I am doing everything according to the law on my side and the credit reporting agencies using my personal private information for financial gain get to ignore the law and do as they please. I submitted this initial complaint on XX/XX/XXXX and on XX/XX/XXXX TransUnion reply that they believed that a third party sent the complaint on my behalf. I called on XX/XX/XXXX TransUnion and informed them that no one expected for myself is authorized to make any changes on my credit file or to have access to my credit file without my direct prior authorization is forbidden. They consented add the notes to my file. Also I was informed TransUnion to proceed with the reinvestigation. They and asked me to submit my ID along with the other information. So this what Im attempting to accomplish today.
Consumer complaint received 2018-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (LA)

On XX/XX/XXXX I called Guitar Center 's credit card center to check on my XXXX XXXX XXXX credit card which I had not used in quite a while. Their credit cards are now handled by Synchrony Bank and I was told the account had been closed due to inactivity which I can fully understand. When I asked to reactivate it ( I had spent about {$3000.00} in the past with no problems ) I was told I would have to reapply which I did on Sunday, XXXX using their on line application form. Later that day I tried to order a guitar and case for my grandson 's birthday. 
The total was around {$650.00} but I was told it was not possible at this time and that I would have to go to the local XXXX XXXX store. I recently was sent a 15 % off coupon and a 48 month no interest offer which expired on XX/XX/XXXX so I was anxious to get this taken care of. On Monday XX/XX/XXXX I drove to the XXXX XXXX store and explained the situation. He said " No problem '' and called to my account number. About 15-20 minutes later he came to me and told me I had to fill out an in-store application. I was annoyed but did as requested. He called again and about 20 minutes later he came to tell me that my application had been declined! I could have used my XXXX, XXXX, XXXX, or XXXX cards to complete the transaction but I really wanted the 48month interest free offer. My credit rating is XXXX and I have considerable funds in the bank. I also own my own home and have 2 paid for vehicles so this rejection baffled me and the offers expired the next day. Angry, I spent the next 3 hours on my cell phone with Synchrony Bank and spoke with several departments trying to discover what their problem was. After talking to several of their associates ( many in foreign countries ) I finally was able to speak to 3 supervisors/managers who were of no help. I was repeatedly told I would receive a letter explaining their decision in 3-5 days. By XXXX " I hate Synchrony Bank '' I found many, many complaints about Synchrony Bank 's incompetence and suspicious practices and became concerned enough to take this action. My wife calculated that their incompetence cost us about {$200.00} between the now expired coupon and 48 month financing offer. I am a retired educator and have always endeavored to keep a good credit rating through frugal spending habits. I hope you will investigate Synchrony Bank and its questionable practices.
Consumer complaint received 2023-11-21
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Education Principle Foundation (IN)

In XXXX  I attended Brown Mackie college of XXXX XXXX and shortly after I gave XXXX XXXX XXXX XXXX the school was very unprofessional with my XXXX XXXX and My medical condition of XXXX XXXX XXXXXXXX for XXXX years I was trying to figure out why I am paying for this loan my medical condition is on going still an I filed an complaint for all of my inflated loans. ( Which credits an diploma are not accredited anymore anywhere ) Due to the closing and lawsuits against the school I have been fighting to cancel these loans or send me the original sign and dated agreement.
Consumer complaint received 2023-11-21
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. (CA)

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 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.