davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion has been delaying disputes investigation. I initially have submitted a dispute to Transunion in XX/XX/XXXX. I have attempted to gather my score and report it is denying me. This is dealing with delay funding for my new business. Transunion is holding goals that can help myself and my family. I still have disputes on Transunion without proper notification or results of each investigation. The investigations started since XX/XX/XXXX.
Consumer complaint received 2023-11-29
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: General Motors Financial Company, Inc. (FL)

I received a response for my previous complaint that said GM Financial has sent a response to the consumers complaint offering an explanation of the account status and a point of contact for follow up questions. 
Also it said GM Financial has submitted a request for an account adjustment per the consumers correspondence. In the response Gm financial stated : On XX/XX/XXXX, a cease and desist of telephone communication was documented to the account to ensure you do not receive further telephone calls, as requested. While you XXXX no longer receive telephone calls regarding the status of the account, GM Financial will continue to communicate with you to the extent allowed by law. You must contact GM Financial if you want to remove the do not call status from the account so that we XXXX contact you again at the phone number you allow. But the cease and desist letter I sent clearly stated to Please cease and desist all collection activity regarding this account immediately. 
XXXX XXXX XXXX ( c ) Ceasing communication Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once. 
Also gm financial XXXX GM Financial is required to report truthful and accurate information to the credit reporting agencies. We reviewed the account data sent to them and determined the information is accurate. 
On XX/XX/XXXX, the date we last reported, the account status was charged off with a {$18000.00} deficiency balance and an account payment history of XXXX, XXXX and XXXX. The date of the reported delinquency is XX/XX/XXXX. As a result, we are unable to make any changes or deletions to the credit bureau reporting of your account which is done in accordance with the Fair Credit Reporting Act ( " FCRA '' ). but upon checking my credit file the last reported date was in XXXX of XXXX also the date opened on all three are completely different, and the date of last activity are also completely different on all XXXX credit bureaus. The response also stated that gm financial sent an adjustment request to the credit bureaus but there has been no adjustment made. Exactly what adjustment is suppose to be made?
Consumer complaint received 2023-05-15
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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

XXXX. On XX/XX/year>, I got a bill for loan XXXX stating that I am past due : {$320.00} and current due : {$320.00}. I called Mohela on XX/XX/year>, and spoke with XXXX XXXX, inquiring about this bill. She told me that loans XXXX and XXXX are in repayment status, and loans XXXX and XXXX are in forbearance status. I said I have papers stating that loans XXXX and XXXX are in deferment. I said something was wrong and that I was reporting to the Federal Attorney because somebody was going to jail because of all the run-around and mishaps. She then said that she apologized and now saw that those were approved and in deferment. She said that she was transferring me directly to the Deferment Department and that if she could change it, she would. She said to have them put my loans into deferment as they have been approved. I have been on the phone for over an hour, writing this complaint and waiting for someone to answer.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I received my credit report then I called XXXX, Equifax XXXX XXXX in regards to Inquiries and addresses that were being reported on my consumer credit report and I was on wait for a very long time for each consumer reporting agencies before getting the fraud department. After getting through and telling them the situation they would not remove them from my report ( XXXX ). XXXX reporting 55 Inquiries & 2 Addresses, Equifax reporting 35 Inquiries & 7 Addresses, XXXX reporting 25 Inquiries. Under US 1681 and 1681n It is my legal write to seek damages moving forward because it has damaged my credit scores tremendously for me and my family. I have uploaded the Inquiry & Addresses parts of my credit report from each Credit Reporting Agencies and pointed & highlighted each one on each report.
Consumer complaint received 2023-05-03
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 — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

XXXX investigation has not resolved an issue where my Infiniti Financial Services account continues to show payments past due for XXXX and XX/XX/2023. Infiniti granted a 2 month extension to my loan and shows on the credit report that no payment was due for XXXX and XXXX, but the report continues to show a status of 30 days late for those months. I have sent in the document providing that those two months were waived, however no one has removed the late status in that payment history. All of the other history for those two months aare correct as it shows no payment due and also no payment made. It should be clear that it should not show payment late if no payment was due. Please help.
Consumer complaint received 2020-05-21
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: EQUIFAX, INC. (TX)

The three Major credit bureaus have FRAUDULENTLY ACCEPTED MY SOCIAL SECURITY NUMBER! from parties! Without my consent or without LAWFUL authority! I'm asking that the three Major credit bureaus show me the Lawful authority according to the Constitution. They they have to have or report anything having to do with my social security number. As well as the consent I gave them to report anything ...
Consumer complaint received 2023-04-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: WELLS FARGO & COMPANY (FL)

I XXXX the response from Wells Fargo Auto Fnance, and XXXX actually responded that {$2600.00} for income was seen on the loan application. This should have alerted Wells Fargo Auto that this information was incorrect as I banked with Wells Fargo for close to eight years. I was turned down a loan for a mobile home on its own property XXXX years ago. 

This should have been enough for Wells Fargo Auto Finance to check my assets in my checking account. They are a guilty as the car dealership who I am currently suing. I have never had that amount of cash in my checking account, and Wells Fargo knew I banked with them. I do not accept their response.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED AUTO ACCEPTANCE (GA)

In accordance with the Fair Credit Reporting act. The listed acct below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1681. 

UNITED AUTO ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXXXXXX for UNITED AUTO ACCEPTANCE 15 U.S.C 1681 Section602 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 permissions.

15 U.S.C. 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} 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 more than seven years. 

I have attached several changes that XXXX  has changed info on my credit reports many times. However, this are still incorrect information and missing information the credit bureaus. I attached from XXXX credit reports and current report, also attached letters to that the acct was not verified with incorrect information. They ( XXXX  ) continue to make changes and then on each report and they are mismatch on ever level, as far as, terms, last payment received, major delinquency, first date reported, etc. I gave back the car on XX/XX/XXXX and made the last payment that was agreed upon which posted to account on XX/XX/XXXX. Not in XXXX, there is proof on the XXXX XXXX XXXX  sheet. This was a voluntary repo.
Consumer complaint received 2023-11-29
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. (TX)

I received my credit report then I called XXXX, XXXX XXXX TransUnion in regards to Inquiries and addresses that were being reported on my consumer credit report and I was on wait for a very long time for each consumer reporting agencies before getting the fraud department. After getting through and telling them the situation they would not remove them from my report ( XXXX ). XXXX reporting XXXX Inquiries & 2 Addresses, XXXX reporting 35 Inquiries & 7 Addresses, TransUnion reporting 25 Inquiries. Under US 1681 and 1681n It is my legal write to seek damages moving forward because it has damaged my credit scores tremendously for me and my family. I have uploaded the Inquiry & Addresses parts of my credit report from each Credit Reporting Agencies and pointed & highlighted each one on each report.
Consumer complaint received 2017-04-07
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

Before we refinanced we had Net Escrow Refund of {$2400.00} with PennyMac Mortgage. We refinanced a VA loan with PennyMac Mortgage Co. on XX/XX/XXXX to lower interest rate. I requested that Closing Disclosure be faxed to us, we signed and faxed it back. We had a XX/XX/XXXX loan signing, the XX/XX/XXXX Disclosure did not match the Loan Docs., final closing statement, but we signed anyway. We then noticed we did not see or receive Escrow refund on loan documents. I called, spoke to loan agent XXXX XXXX, Loan Officer ( XXXX.Ca. ), she referred me to loan processor, XXXX XXXX ( XXXX, Ca. ) XX/XX/XXXX, he said he would look into it. On XX/XX/XXXX over 2 months later, I received a new Addendum to closing disclosure with completely different figures. I did quite a bit of research on this and discovered that under TIL-RESPA Requirements, The new CDF comes with Stringent Requirements that were not met. First the time line, 2nd-Closing Cost Details-costs of loan were changed in different areas Also, ie ; Summary of Borrowers and sellers transactions, Escrow funds, etc. I am lodging complaint because of this and that 12 CFR1026.38 ( f ), ( g ) and CFR 1026 ( j ) and ( k ). which were not done. I asked for breakdown on the summary of Borrower 's Tranaction CFR1026-38 ( j ) ( 1 ) - ( 4 ) ie ; ( Itemization amounts XXXX to XXXX ) also see Appendix H of CFR 1026.38 ( t ). I also noticed a amount shown as Aggregate Adjustment, What is does that mean. 
The amount paid to 3rd party XXXX change. I I AM REQUESTING A FULL REVIEW AND DISCLOSURE OF MY CLOSING PAPERWORK. ALSO, Including the above itemizations, breakdown of ESCROW ITEMIZATION OF AMOUNTS PUT IN LOAN AND WHERE IS ESCROW AMOUNT OF {$2400.00} IN PREVIOUS LOAN.
Consumer complaint received 2023-11-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation (IL)

IHave asked for several months since opening the account for a account.statment only to be told no I have tried to access online my account only to be restricted I have asked for more payment options. as of now the only way to repay my account is to call into the store these deceptive and predatory practices most stop I have no idea of what my balance is how the payment are applied or what my pay-off balance is
Consumer complaint received 2023-11-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc. (FL)

-They called me Tuesday XX/XX/XXXX on my work phone. I told them it was a work phone and to stop calling me. They told me they would remove the number. They called again on Monday XX/XX/XXXX on the same work phone. I repeated the information that it was a work phone and to stop calling me. They called me again on Wednesday XX/XX/XXXX on the same work phone number. 

-They block the number they are calling from and it is a fake number. When attempting to call the number back it simply reports it is not a working number.
Consumer complaint received 2022-08-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of Carbon County (CO)

Received a debt collection letter from " Collection Center Inc '' XXXX XXXX XXXX XXXX, WY XXXX address to : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX WY XXXX with a reference number of : XXXX I think this is a SCam going out to random people?
Consumer complaint received 2024-03-15
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. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2023 I sent a letter to XXXX, to update my personal information name & address. However these Credit Agencies has not updated my only true and correct name or address by law. I sent in a copy of my drivers license & a bill with my address correct and only name, however changes are not currently updated. Consumer Reporting Agencies have to follow the law and report accurate & correct information to protect my personal information.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 2017-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (AL)

I just found out my XXXX XXXX is charging interest in a very crooked and unusual way using average balance calculations. I try to pay as much of the statement balance off as I can each month to avoid excessive interest. But, it does n't matter how much I pay, they charge interest based on some spurious average daily balance. I just noticed this on my XXXX statement, but has been happening all along. For example my XXXX statement has a prior balance of {$6200.00}. I made an ontime {$5000.00} payment. All other credit cards would have charged interest on the remaining balance of {$1200.00}. This card charged interest on a balance of {$7600.00}. This just feels very crooked to me. When I called them they said in order to avoid interest, the total balance must be paid off each and every month in full. If the balance is not paid in full they will charge based on the highest balance in the prior month, not the statement balance and not the statement balance minus any payments or credits. I do n't know if this is a legal practice, because it feels very crooked. I have attached XXXX 's statement for your review. This has been going on for a long time, I only just now notice.
Consumer complaint received 2022-12-05
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. (NY)

This is my XXXX 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 XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX, ME XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX  XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$500.00} XXXX  XXXX Balance : {$190.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1300.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$500.00} XXXX  XXXX Balance : {$190.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$670.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$650.00}
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/2023 my Truist accounts were hacked. The hackers were able to transfer out of my money market savings account to XXXX checking accounts and then XXXX the money out of my accounts. Altogether I lost {$9400.00}. XXXX months later I still have not retrieved my money from Truist. Through my branch manager ( they have not provided a written decision about my case ) they are saying that it is my fault that my accounts were compromised, but I did not give out any mani information to anyone and I did not authorize these transactions. They are also saying that the money was transferred to another bank that refuses to return it so my money is simply gone. I have exhausted all avenues to get Truist to make good on my lost funds. Please help!
Consumer complaint received 2018-12-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MI)

My name is XXXX XXXX and I am filing a complaint again XXXX  XXXX who holds one of private loans. The loan number is XXXX. This loan was purchased from XXXX XXXX XXXX several years ago, who purchased it from XXXX the original loan holder a couple of years before that. I have been paying on this loan for over 8 years, and been making large payments for the last 5 years since graduating to get it paid off yet. My payments to Navient alone sum up to around 1200 yet, my loan balance to this day is still {$1600.00}. I have requested an audit on this loan now dating back to the original date of disperment. Each time they have provided me with only a payment schedule dating back to XX/XX/XXXX. They have no paperwork to proide for an accounting from XX/XX/XXXX the first scheduled payment that was made to XXXX to XX/XX/XXXX. No matter how many times I have requested the accounting for those dates, they refuse to provide it. I am not making another payment until they can provide me with the account information from those dates who that I can do my own audit on this loan. I am requesting all documents relevant to an audit done on this loan dating back to XX/XX/XXXX. Once they can provide those documents, We can then move forward to settling this account. 

My information is as follows, The loan is under my maiden name XXXX XXXX, my address is XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. My social security number is XXXX, my date of birth is XX/XX/XXXX and my phone number is XXXX. All paperwork can be sent the address listed, thank you.
Consumer complaint received 2023-11-29
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: SYNCHRONY FINANCIAL (NY)

There are a number of fraudulent hard inquiries on my account for the following two companies : XXXX XXXX and SYNCB/AMAZON XXXX . These inquiries were not initiated by me and should be considered fraudulent.