davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: First Technology Federal Credit Union (TX)

I moved to XXXX  from XXXX XXXX XXXX  in XXXX and bought my condo in XX/XX/XXXX. I did not have furniture or furnishings. 
The bank send an email that " because I was such a good customer '' they were raising my credit limit to {$30000.00}. They did not mention that they also doubled the interest rate. 
I bought furniture and furnishings ( I was working making at least {$80000.00} per year and thought I could easily pay off this amount ). 
I was laid off in XX/XX/XXXX. I was not able to find another job. I made an inventory of what I owed and expenses ( I consulted a credit counselor ). 
I had XXXX credit cards besides this large one with about {$12000.00} altogether. The other XXXX credit cards had hardship programs where they lowered the interest rate and the payment. I have paid off all those credit cards. 
I phoned the bank but they would not offer me any help. I owed interest of about {$500.00} a month. I paid the minimum payment ( almost {$600.00} ) and used the card only in an emergency. 
I paid almost {$600.00} a month for XXXX years. I figure I paid as much as I had borrowed ( about {$37000.00} ). 
I had gotten many calls offering to negotiate my debt but I did not do that - it seemed sort of dishonest- But after I figured I had paid {$37000.00} without making a dent in the debt, I did contract with one of them. They told me to stop paying on the credit card and they would negotiate the debt. I paid them {$400.00} a month instead. 
They told me there would be a hit on my credit rating " for a couple of months. '' They forgot to tell me that they would not even negotiate until I had paid them at least XXXX of what I owed ( or about {$15000.00} ). That would take about 5 years. 
I also learned that the negotiated debt would stay on my credit report for seven years. The debt from not paying the card has already lowered my credit score by about 200 points. 
When I was working I worked for the same company as the XXXX XXXX XXXX. I had to take their required classes. One class was called " Predatory Lending. '' One of the scenarios looked sort of familiar. Basically it said they targeted old peopld ( I am XXXX now ) on fixed incomes and raised their credit limits a lot while also raising the interest rates, then refusing to let them out of the loan. I think what they did to me was predatory lending.
Consumer complaint received 2023-10-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: TRUIST FINANCIAL CORPORATION (KS)

None of the options above were applicable. I paid my Truist loan in full on XX/XX/XXXX. Truist mailed me a check on XX/XX/XXXX ( 10 days later ). It is now XX/XX/XXXX and I have not received. I have been told ( XX/XX/XXXX ) I need to wait another 30 days to get another check reissued. I have received a statement showing the loan is paid in full and that the check was in fact issued. I find it unacceptable that I have to wait a full 2 months to receive my escrow refund. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount- {$2200.00}.
Consumer complaint received 2023-10-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (OH)

My lease Payoff is {$30000.00}. I attempted to sell the vehicle and Ally XXXX is charging {$41000.00} for a buyout of the loan. This is nearly fraud, adding over {$100000.00} to purchase the vehicle. Vehicle residual value is {$27000.00} plus {$2100.00} for remainder of payments. Ally is borderline fraudulent and I will never do business with this institution again.
Consumer complaint received 2023-10-18
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. (PA)

I asked trans union and XXXX to delete the fraudulent inquires on my credit report but it has not been done. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$610.00}
Consumer complaint received 2024-03-12
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. (NV)

Experian continues to violate my consumer rights. multiple violations per FCRA and the Privacy act of XXXX. Multiples disputes sent starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and a recent XX/XX/XXXX disputes were sent and never resolved accurately per 15 USC 1681 ( a ) 2 ( i ).

Request for " investigative consumer report '' have not been provided although its been requested. 

Non-compliant with removals of unauthorized inquires per the Privacy Act of XXXX with over XXXX promotional inquiries causing humiliation, emotional damage/pain and suffering. I've made disputes online, certified mail & by phone. pER 15 usc 1681 PERMISSIBLE PURPOSES TO IMMEDIATELY remove XXXX unauthorized inquiries and the consumer reporting agencies continue to be non-compliant purposely.
Consumer complaint received 2023-01-09
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. (DC)

Privacy and Confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-10-18
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: Experian Information Solutions Inc. (TX)

I sent a identify theft report back in XXXX and also a dispute letter about all the inquired on my report and nothing was done. This is effecting my credit and slowing my home owner process
Consumer complaint received 2024-02-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Chambless, Math, Carr, P.C. (MD)

I am a XXXX  of the United States XXXX currently living in XXXX, XXXX  at XXXX XXXX, XXXX. 
In XXXX I surrendered a vehicle to the bank XXXX XXXX XXXX XXXX XXXX XXXX, now known as XXXX XXXX XXXXXXXX XXXX in XXXX, XXXX  because of a divorce and inability to make payments. It was then sold at auction and I was left to pay the difference of {$28000.00}. 
In XX/XX/XXXX, I was contacted by the law firm of Chambless , Math, and Carr in XXXX XXXX. This law firm has claimed to be the attorney for the Credit Union. Myself, and XXXX XXXX, XXXX. came to a repayment agreement of {$28000.00} and agreed to terms of an initial {$5000.00} lump sum and {$200.00} a month until the total amount was paid and that the Credit Union waives all interest and attorney fees. 
I have made all these payments in full to date to Chambless, Math, and Carr. 
Now wanting to pay this debt and complete our agreement I made a phone call to the law firm in XX/XX/XXXX. 
I was told by a different attorney in XX/XX/XXXX that I owe {$28000.00} that I have paid {$9400.00} to date and the reason for this is that they charged me a 5.84 % interest rate. Despite the correspondence I have in emails between myself and XXXX XXXX XXXX, XXXX. 
I called XXXX XXXX XXXX and spoke with a representative in the collections department and they advised me that Chambless, Math, and Carr no longer has ownership of the loan and that they do not advise paying them because an out of state attorney owns the loan. They claimed the could not offer anymore information and to contact the law firm of their attorney. The law firm is no longer answering my phone calls or responding to any of my emails. 
My credit report is reporting that I owe {$22000.00} to XXXX XXXX XXXX XXXX 
If I have paid {$9400.00} to my calculation, I owe XXXX. 

Please help, I would like to end this and pay the right amount to the right person. I am currently suffering from XXXX  issues from XXXX  related injuries and may need XXXX  XXXX soon and would like to pay and resolve this before my XXXX date. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-10-18
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. (GA)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

According to 15 USC 1681 E ( B ). I am entitled to an accurate consumer report. I have disputed these accounts numerous of time and they return as verified. Now, In the State of Georgia the Statute of limitations on a written contract in the State of Georgia is 6 years. This account must be removed off my consumer report immediately. XXXX  XXXX Allegedly {$4700.00} high balance. Allegedly Balance owed XXXX. This account must be Deleted immediately. I will file for remedy for reporting inaccurate information on my consumer report.
Consumer complaint received 2023-10-18
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 am writing to file a formal complaint regarding a significant issue I have encountered with the credit reporting agencies regarding an identity theft incident. Despite my repeated attempts to rectify the situation, I have been met with inaction and a lack of proper investigation from the credit bureau, which has resulted in significant harm to my financial and personal well-being. 
The incident in question pertains to a fraudulent account that has been reported on my credit report. I filed an identity theft report with the Federal Trade Commission ( FTC ). I also submitted disputes to the credit bureaus involved numerous of time, along with all necessary supporting documentation, including the FTC identity theft report, police reports, and notarized affidavits. 
However, instead of conducting a thorough investigation as required by law, the credit bureau in question merely asserted that the account in question was mine without providing any concrete evidence to support their claim. This response is not only inadequate but also violates the Fair Credit Reporting Act ( FCRA ) and its requirement that credit bureaus conduct a reasonable investigation when consumers dispute information on their credit reports. 
The violations that I believe have occurred include but are not limited to : Failure to conduct a reasonable investigation : The credit bureaus in question failed to fulfill their legal obligation to conduct a thorough and impartial investigation into the disputed account, as mandated by the FCRA. 
Lack of notification : The credit bureaus did not provide me with written notification of the results of their investigation within the required time frame, denying me the opportunity to review their findings. 
Disregard for supporting evidence : Despite providing extensive documentation, including the FTC identity theft report and police reports, the credit bureaus did not consider this evidence during their investigation, undermining the integrity of the process. 
Failure to block fraudulent information : The credit bureaus did not block the fraudulent account from my credit report, allowing it to continue negatively impacting my credit score and financial standing. 
Refusal to correct inaccuracies : The credit bureaus refused to correct the inaccurate information on my credit report, thus perpetuating the harm caused by the identity theft.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my second 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 an alleged fraud or extortion. 
XXXX XXXXXX/XX/XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXXXX/XX/XXXXXXXX Balance : -XX/XX/XXXXBalance : - XXXX XXXX Balance : {$4100.00} XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXX/XX/XXXXXXXX, CA XXXXXX/XX/XXXX XX/XX/XXXXXXXX Balance : {$0.00}XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4100.00} XXXXXX/XX/XXXXXXXX Inquired on XX/XX/XXXX :XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXXXX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$4100.00}
Consumer complaint received 2023-04-25
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. (OH)

I'm a victim of identity theft. I has taken action with these companies, and i still havent gotten any results. I also have included with this report an identity theft report.
Consumer complaint received 2023-10-18
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. (CA)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX, XXXX XXXX XXXX CO XXXX, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. Please delete these fraudulent accounts ASAP.
Consumer complaint received 2023-04-27
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. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX 15. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 

16. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

17. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account. 

18. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

19. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

20. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

21. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

22. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account.
Consumer complaint received 2024-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

It has come to my attention that I provided the Department of Education with a financial instrument in the form of a Master Promissory Note which has been sold. According to the XXXX XXXX XXXX and the Securities Exchange Commission, that would make me an XX/XX/XXXX. I have filed the appropriate documents with the IRS to evidence the financial transaction and a copy is attached. 

The Department of Education has not provided me with the appropriate copy B for the filing nor has my credit report reflected the proper balance on the account. To be clear, I do not owe XXXX nor the Department of Education. The Department of Education owes me for the use of my securities ( aka financial assets ).
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

on XXXX different ocassions, i was denied access to money deposited in checking account at jp morgan chase bank-XXXX XXXX XXXX ( the bank ), after the deposits had cleared and been made good funds. 
XXXX deposit was a cashier check drawn on another bank, XXXX. the other deposit was drawn on a local bank. in both cases, the checks cleared promptly. the bank would not release the hold it had invoked, and thereby denied me use of my money for a week. i registered a complaint and the bank rep that called told me, repeatedly, that the customer agreement that i signed allowed the bank to put a hold for up to XXXX days, and that i had no standing to complain. the bank has an unfair, anti-customer policy that denies the customer access to their money once checks have cleared. the bank is abusing the provisions in the customer agreement simply because it can, and surely reaps financial gain at the expense of its customers. this action caused me a loss of interest and other harm. i ask the cfpb to cause jp morgan chase bank to cease acting in this anti-consumer manner and allow banking customers to get timely access to their money.
Consumer complaint received 2023-11-13
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. (NJ)

When I went to the car dealership, I was informed that they would only run my credit once to assess my eligibility for a car loan. However, to my dismay, it became evident that they had run my credit multiple times without my consent. This action by the dealership raises concerns about their compliance with the Fair Credit Reporting Act ( FCRA ). The FCRA is a federal law that regulates the collection, dissemination, and use of consumer credit information. It requires businesses to obtain consent before accessing an individual 's credit report and limits the number of times a credit inquiry can be made without permission. By running my credit multiple times without my consent, the dealership violated the FCRA 's provisions, which aim to protect consumers ' privacy and creditworthiness. 

Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-17
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.