davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
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. (NY)

To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions. 

I demand the following collections entries to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law. 

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within 10 business days days of receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (FL)

I went to XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX. Upon arrival, I went as a walk-in and spoke with the salesperson by the name of XXXX. Went through the process of picking the vehicle and test drive and filled out the paperwork. The vehicle that I chose is the XXXX XXXX XXXX XXXXXXXX with XXXX Package. Stock : XXXX VIN : XXXX. I informed the salesman that I was there to make a consumer credit transaction and that I was putting XXXX dollars down as it wasn't required to do so because my transaction was a CCT consumer credit transaction I also informed the gentleman that I was well aware that I am the original creditor, and I shouldn't be denied and an extension of my own credit because I'm providing my Social Security number and my name. 
After filling out the paperwork, I asked him to submit it to the banks he did so and came back with a denial. I asked him politely to please give me the number phone number of the underwriter who denied my application. He said he can not give me the phone number of the person who ran my credit check my credit, ran my name, and denied my extension of credit. He couldn't give me the phone number so I can speak to him and find out why I was denied to perform a consumer credit transaction. I then requested the phone number once again from XXXX again he told me he can not divulge the underwriter 's phone number. I will have to wait for a letter in the mail for 7 to 10 business days which will tell me why I received a denial and that this conversation is over, and we can no longer speak any hung up the phone on me very rudely. It's clearly written that we as the consumer have the right to do consumer credit transactions, perfectly legal, which is what I am trying to do to acquire the vehicle for my family. I have a wife with XXXX kids and I need a family car. 
15 US code 1611 states whoever willfully and knowingly, yes false, or inaccurate information or filter, freight information, is required to disclose under the provision of the subchapter or any regulation is issued under. Also, 15 US code 1681 ( K ) adverse action states the term offer of credit that will be honored if the consumer is determined, based on information in a consumer report on the consumer to meet specific criteria, used to select the consumer for the offer, except that the offer may be further conditioned on one or more of the following verification.
Consumer complaint received 2023-09-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (OR)

I deposited XXXX into a XXXX at Chase Bank in XXXX, at an expected interest rate of 3.92 %, accrued over 6 months on XX/XX/23 through XX/XX/23. When I went to manage the capital and interest gained over this time- during the 10 day grace period ( after the maturity date ) - I was shown only half of the nearly {$1200.00} of interest gained was in the account in an amount of {$590.00}, despite being told ( including in writing ) that the account 's interest rate would be 3.92 %. Six months is the minimum amount of time you can have a CD for and if the % rate is half that ( 1.96 % ) over a 6 month term, it was never brought to my attention, or advertised anywhere, but 3.92 % was. The business practice is misleading at best and theft at worst.
Consumer complaint received 2016-03-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Jemcap LLC (NE)

On XXXX XXXX, XXXX, I purchased a XXXX family dwelling Only. All the payments for the mortgage were paid on time until when I applied for a Loan Modification on XXXX XXXX I was denied and by inquiring about the reason of the denial I was informed that the loan was fraudulent. Two weeks after I received the denial letter I was also informed that the original Lender sold the Note to another company and since then it has been flipping from investors to investors so far I count of XXXX different investors. The last investor Jemcap LLC compelled me to pay more than {$100000.00} XXXX XXXX XXXX Dollars from me in Lump sum payment in his Bank account and sold the Note again to an other investor XXXX XXXX XXXX located in XXXX XXXX, XXXX NY who is now seek a Judgment of Foreclosure and Sale. According to the Department of Building, it is a XXXX Family Dwelling Only and it is Owner Occupied. Please investigate the matter and it is in the Supreme Court of New York.
Consumer complaint received 2024-01-21
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CO)

Pre paid gift card was bought in XX/XX/XXXX in XXXX and given to me the next day for my birthday form a friend, the amount is {$50.00}. I forgot about it and went to use it the other day XX/XX/XXXX and it was declined. I called the number on the back and they want me to send in a picture of the card which I did and a photo Id which I did not and dont feel comfortable doing that to a random website. After looking it up looks like a lot of people have the same complaint the company is prepaidgiftbalance XXXX. I called and spoke to 2 separate supervisors who told me 2 different things. Even more suspicious. It is a visa gift card supposedly through US bank. They are stealing from people and this is fraud. Most people wont send info in and in turn the company is pocketing the money because the funds are being used. Insane to me!
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

A year ago, I submitted a request to remove my ex husband from my checking account, and he was not removed. Earlier this week, without my consent my XXXX  XXXX  closed my account. I have had this account for XXXX  years, before I was married ; and I dont understand why the bank didnt give me prior notification that this was happening. Now my deposits are frozen, all of my accounts that are paid from this account have to be rerouted to a different account, and I have no banking source.
Consumer complaint received 2023-11-22
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. (IL)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2018-02-24
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: Avant Credit Corporation (VA)

I received alert from XXXX XXXX of an inquiry from XXXX, Avant and XXXX bank dates XX/XX/18. I did not apply for any credit from any of these lenders. I have a car loan from XXXX and did apply for a credit card early last year, but nothing since then. These inquiries are unauthorized. In logging into one of my email accounts I dont use often, I see the declines were sent there & I NEVER use that email because it gets sooo much spam, so Im looking into putting a freeze on my credit file until I figure out whats going on. I had a bag full of old mail sitting around for a couple days that I intended to go shred, but it was thrown out by accident and I am freaking out. 

Please delete these inquiries because I did not submit any recent applications. You can email me at XXXX, or, send your response in writing to XXXX XXXX XXXX XXXX XXXX VA XXXX
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX Balance : {$630.00} ; XXXX XXXX Balance : {$930.00} ; XXXX XXXXXXXX Balance : {$890.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$610.00} ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian is reporting inaccurate addresses on my credit report. I have notified them of the mistakes but nothing has been done. There is a thin line between a mistake and fraud therefore if Experian continues to report inaccurate addresses it would be an act that is intentionally carried out to benefit certain individuals or groups causing detrimental effects to my credit worthiness.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$5400.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$23000.00XXXX XXXX XXXX XXXX XXXX XXXX : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$4100.00} XXXX XXXX XXXX Balance : {$3100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX Balance : {$5400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (PA)

In XXXX of 2023 I called the credit card company to inquire about any fees I would incur should I use my credit card during my upcoming trip to the XXXX. I was informed by the agent on the phone that I would not be charged any extra fees if I used my credit card internationally. Because of this information, I decided to use this card for all expenses on my trip to the XXXX in XX/XX/2023. When I received my bill, I was charged foreign currency fees in the amount of {$76.00}. I called the company several times to discuss my concerns, let them know that I was told by the agent in XXXX I would not incur any charges, and I attempted to come to a resolution. I was told to send a message to the credit card company outlining my dispute. In this message ( and during several phone calls after ) I requested a review of the conversation that took place between me and the agent in XXXX. 

I called today in an attempt to access these messages in order to support my complaint here, but was told by a representative in the dispute area that these messages couldn't be retrieved. The written correspondence between me and the credit card company has " disappeared ''. 

I paid the entire balance ( {$2600.00} ) of my legitimate charges in full and on time in XXXX. I did not pay the foreign fees, since I was told directly by the credit card company prior to the purchases that I would not incur any additional fees and I filed a dispute. 

Up until today, as far as I knew, based on the messages that I sent, a dispute was in process. 

When I called today to retrieve the written correspondence the agent said there was no dispute and I need to pay the current amount, {$190.00}. This amount includes interest and several late fees on the wrongful charge of {$76.00} back in XXXX. I again requested to have my phone conversation reviewed, but he said it " most likely wouldn't matter '' if he did that. 

In addition to the wrongful charges of {$76.00} in XXXX, I have now been charged an additional {$120.00} in interest and late fees on the wrongful charge. Also, my credit score dropped XXXX points as a result of the credit card company reporting on this issue. 

Today I offered to pay the initial charge of {$76.00} if the credit card company was willing to remove the late fees and interest charges and withdraw their report that took my XXXX score down XXXX points. They were unwilling to come to this compromise, which I believe was generous considering the initial charge was one I was directly told by the agent who works for the credit card company that I would not incur. 

I look forward to some resolution on this situation. The credit card company has been unreasonable and unprofessional.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-01-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (GA)

I keep getting notifications from Credit Karma that I have excellent approval odds for a citi credit card. 

My husband and I are currently starting XXXX XXXX and are trying to pull every penny we have together so that we can afford to pay for it since neither of our insurance covers the cost. 

We have been working very hard to raise our XXXX XXXX and needed to take out a credit card to cover the {$10000.00} XXXX for XXXX. we decided because Credit Karma had guaranteed us excellent approval odds the only thing left to do was to take out a credit card to try to make sure we had enough money to pay for my medication. Without the medication, we can not start the XXXX procedure. We put our trust in Credit Karma and applied for the credit card.

I looked on the Credit Karma website for the best odds for credit cards that we would be approved for. Credit karma showed a few cards that said I had excellent approval odds for at 0 % interest. We decided to sign up and apply for the XXXX XXXX and were immediately declined by XXXX without explanation. 
I went on the chat to try to speak with a representative at Credit Karma to see why they were tell me I had excellent approval odds only to be declined and have my credit score affected. We need to take out a loan for the medication and now they have ruined my credit score by falsely advertising that I had excellent odds for a credit card when the credit card company immediately declined our application and ran my credit which is close to XXXX. 

This is very misleading and we are devastated. We thought that we had found a way to be able to pay for the medication by taking out the credit card that we were shown through Credit Karma that we had excellent approval odds for. Our hearts are broken and now they have done a hard credit check that is going to lower my credit score when we still need to take out a loan or a credit card to pay for my XXXX XXXX 

This is not fair at all, and I would like credit karma to be held responsible for their false and misleading advertising, giving us hope that we had a chance of getting this credit card when in fact, we did not. They should not have the right to give approval odds to anyone, if they are not certain they will go through. I would truly like help with this from you all before speaking to an attorney. Please let me know what my next steps are, because we are devastated and heartbroken over this and we were very misled by their false advertising.
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$940.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX , XXXX , XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$940.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

I have contacted my loan borrower quite a few times to get an answer on why my payment of {$9600.00} on XX/XX/XXXX is not reflecting on my balance. Only {$3100.00} was processed for the payment. 

Attempts of calls with long waits ( wait time was estimated to be less according to the automated machine system ) : XX/XX/XXXX XXXX ; waited XXXX minutes XX/XX/XXXX XXXX ; waited XXXX hour and XXXX minutes XX/XX/XXXX XXXX, waiting for XXXX minutes and told to enter the option to get a call back XX/XX/XXXX XXXX ; I emailed them to their written request email XX/XX/XXXX XXXX ; got the call back, talked to a woman ( call was XXXX minutes ), and she did not have an answer for me but did submit a request XX/XX/XXXX received a submission request confirmation email and to wait XXXX days to get to me XX/XX/XXXX I replied back to that submission request email I had received on XX/XX/XXXX because the timeframe stated was past due and I would like to resolve this issue XX/XX/XXXX I made three calls ( XXXX, XXXX and XXXX ), I would dial my selection to be able to speak to a representative but all of the calls would dropped until the last XXXX stated the center was closed. Their hours are Eastern time and I am on the XXXX time, their website states they closed at XXXX, which the center should have been open at the time I called. 

XX/XX/XXXX XXXX, was able to speak to a representative, XXXX XXXX after waiting for XXXX hours. She did speak to high supervisors concern my issue and then mentioned the payment does show up on their system, yet due to being a big amount of payment they were doing a deeper investigation on it. Did not give an estimated time on how long this can take.