davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-20
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I keep receiving emails from Bank of America regarding a new checking and savings account being opened under my name. I have called two times to close these accounts. But it continues to happen. I would like Bank of America to take action and not allow these accounts to be opened online. I am worried something fraud will result from these instances.
Consumer complaint received 2022-12-08
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: EQUIFAX, INC. (NC)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-10-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC. (IN)

We sold our vehicle, XXXX XXXX, back to the dealership for {$27000.00}. The dealership then sent the check to Ally. The pay off we were given by Ally was for just over {$26000.00}. We received a check back about a month later in the mail from Ally for only {$90.00}. I called Ally and asked why we only received {$90.00} back, to which the person I spoke with told me " he couldn't tell me, he would have to get his XXXX involved to request the breakdown invoice of why we didn't get more money back. '' He said I would get this back by mail in a couple weeks, as it take them 5 days to process it, then XXXX to send it in the mail. I have not received anything back from Ally regarding the breakdown of the fees and why we only got {$90.00} back, when it should have been much more.
Consumer complaint received 2023-10-03
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. (GA)

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.

Has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-10-03
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. (CO)

An account shows on my credit report, along with late payments, charge-offs, and other negative score related activity, that is all the result of identity theft and fraud. The account has damaged my score and cause tens of thousands of dollars now in increased fees and rates. I have repeated provided proof and requests to Equifax and XXXX to remove this fraudulent account, but they have not. Even though within days XXXX found clear evidence that it was fraud and did remove the account. The Equifax and XXXX companies have violated the FCRA and caused financial damage, and must be held liable. 
The FTC has an identity theft report and has agreed with the findings. The Federal Reserve has confirmed the details and believe this account is the result of fraud. Multiple collections agencies have been sent this information, and they all have found no evidence the account belongs to me, they have removed their collections efforts and have requested the credit reporting agencies to remove the incorrect and fraudulent account. Yet Equifax and XXXX continue this violation. There are also emails from the legal department of the credit company that agree that this account is not mine and should have no negative reporting connected to my credit report. 
At this point, I suspect XXXX XXXX or other prominent individuals at the company to be involved with this continued fraud, and should also be held liable. 
The account for XXXX / XXXX needs to be immediately removed from my credit report and remove any and all negative remarks and scores. There has been ZERO evidence provided that this account belongs to me, and is clear that fraud and identity theft has used my information for this.
Consumer complaint received 2023-04-14
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. (CA)

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 XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX XXXX : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance XXXX {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXXXXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/ XXXX XXXXXXXX
Consumer complaint received 2023-10-03
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. (NY)

These accounts are recorded in an inappropriate way in my history, I want it to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-03
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. (FL)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I had a mortgage with XXXXXXXX XXXX They sold my mortgage to XXXX XXXX. This resulted in my credit report tanking over XXXX points. Both credit bureaus say this is normal and my credit should bounce back in 3 months or so. I do not accept this. I did not authorize or ask for my mortgage to be sold. If XXXX wants to sell my mortgage that is fine, but these types of transactions should not affect my personal credit score. That score is used for insurance rates, loan rates, etc. I should not be penalized for transactions that are beyond my control. This complaint is about Experian and XXXX and how credit is reported. A mortgage being sold should reflect that way so credit bureaus can properly report. I shouldn't have to pay a higher rate on a loan because my score was showing low due to something completely out of my control.
Consumer complaint received 2023-06-09
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

TOYOTA MOTOR CREDIT 59 POTENTIALLY NEGATIVE MONTHS Balance details 51 % paid off Balance {$7400.00} Balance updated XXXX XXXX, XXXX Original balance {$15000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Lease PAYMENT HISTORY LEGEND Status Account charged off. {$7400.00} written off. {$7400.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$7400.00} Original balance {$15000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 36 Months Contact info Address po box XXXX XXXX XXXX, IA XXXX ***** THIS LEASE WAS UNDER MY DAD NAME HE IS NOW PASSED AWAY XX/XX/XXXX - HIS NAME WAS XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-10-03
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. (NY)

These accounts are recorded in an inappropriate way in my history, I want it to be deleted XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (IA)

This company has called me 27 times spanning from XXXXXXXX XXXX XX/XX/XXXX to now, XXXX XXXXXXXX XXXX The following are exact dates and times of the calls. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-17
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. (TX)

On XX/XX/year> I contacted TRANSUION and advised them of my identity theft documentation submitted police reports theft affidavits also FTC REPORT THEY STILL HAVE NOT REMOVE THE FRAUDULENT INQUIRIES AND THE COLLECTION ACCOUNT I ALSO FILED A legal civil suit for failing to protect my consumer rights and failing to remove the {$250.00} collection from XXXX XXXX at XXXX XXXX AND FAILING TO REMOVE ALL INQUIRIES I XXXX XXXX Is a victim of identity theft I have never done buisness with XXXX XXXX XXXX Or XXXX XXXX XXXX XXXX XXXXXXXX in which Im now also filing a {$2.00} XXXX dollar lawsuit against TRANSUION for their lack of proper investigation and not blocking and removing this collection from my account within 4 buisness days according to section 605b of the fair credit reporting act
Consumer complaint received 2023-10-03
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. (NY)

These accounts are recorded in an inappropriate way in my history, I want it to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-03
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. (VA)

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 2018-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (LA)

I want to file a formal complaint against Sallie Mae/Navient. When I completed college in 1999, they recommended I consolidate my loans with my husbands loans. They stated it would be better for us. All it did was lock us in at a high interest rate and they would not allow us to refinance or switch to another borrower with a lower rates, I tried several times over the past 15 years. They also recommended we defer our payments in the beginning, tacking on a ton of interest and fees to our loans. They also put all of our loans in my husbands name, not mine. I am a public employee in law enforcement for 15 years and I am eligible for a payback program but they never would allow me to enroll for the payback program due to them putting all my loans in my husbands name. Most of the loans are mine not my husbands. I have contacted them multiple times over the past 15 years and have received no help. The last contact was a few months ago and they said they would get back with me and never did. I have been paying almost {$500.00} a month on my loans for at least 17 years and my balance has barely gone down. I would like someone to investigate them. I am making the payments they say and my balance barely goes down. Where is my money going?
Consumer complaint received 2020-11-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CONTOUR MORTGAGE CORPORATION (CA)

On XXXX I received a call from the sales manager / loan originator named XXXX XXXX XXXX NMLS ID # XXXX ) from Contour Mortgage. I have never spoke to him before and this was the first time this person reached out to me. He started YELLING at me on the phone and bullying me saying that I'm " already getting an unheard of rates '' and that " I don't want to deal with your files anymore, they have been on my desk for over a month '' - all because I said that I don't want to pay for a lock extension that was due to the lender lagging on their end. He then told me that I can walk away and not close my loan ( I already spent money ( {$1700.00} ) on three appraisals for three concurrent transactions ). Very rude and unprofessional individual that should never be put in a position of power and speak this way to any client.
Consumer complaint received 2022-12-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (CT)

My husband and I received and auto loan from CarMax Auto Financing to pay for a portion of vehicle that was purchased through CarMax. Before purchasing the car we asked questions about the auto loan including if there are prepayment penalties and how to make additional principal payments to our loan. We were told to just include the additional amount into the payment we send it and it will be applied to principal, or to write a separate check designating it as principal payment and it will be applied to principal. For our very first I sent in one check for the full bill amount. I sent in a second check for the principal payment amount noting principal payment on the memo line of the check. The payment was not applied to principal. It was used to pre-pay our next payment. I called to have this corrected and was told that I was wrong, and that is just how it works. I was told that it will reduce the principal by reducing the next payment. I shared that this is not how principal payments should be applied and this is not appropriate. After spending ample amounts of time on the phone with them, management and accounting department they were able to re-allocate the amount to principal for this one payment, but the statements and information online are still not fully accurate, though the do total to the correct numbers. I asked how I can ensure that it is allocated correctly in the future, and was told that any time a principal payment was made I would have to call in and ask for it be changed. I asked for any other option that may be available, and they would not provide me with one. I asked for a direct line and they would not provide me with one. I asked for any additional assistance to help my principal payments be applied as designated and they demanded that I needed to call every time. I plan to make an additional principal payment each month and spending nearly an hour on the phone each time is intentionally having a barrier in place to prevent people from doing this, and unmorally keeping customers funds in their pockets. Additionally I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and talking on the phone is challenging for me. To have a process that required people to call and speak with someone is XXXX to those who are XXXX XXXX XXXX because of the desperate impact for those who are XXXX XXXX
Consumer complaint received 2022-12-08
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: CITIBANK, N.A. (FL)

In accordance with the fair credit reporting act CBNA XXXX, XXXX XXXX, and Dept of ED/XXXX  XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I had a mortgage with XXXX XXXX  They sold my mortgage to XXXX XXXX. This resulted in my credit report tanking over XXXX points. Both credit bureaus say this is normal and my credit should bounce back in 3 months or so. I do not accept this. I did not authorize or ask for my mortgage to be sold. If XXXX wants to sell my mortgage that is fine, but these types of transactions should not affect my personal XXXX XXXX. That score is used for insurance rates, loan rates, etc. I should not be penalized for transactions that are beyond my control. This complaint is about XXXX and TransUnion and how credit is reported. A mortgage being sold should reflect that way so credit bureaus can properly report. I shouldn't have to pay a higher rate on a loan because my score was showing low due to something completely out of my control.
Consumer complaint received 2023-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

On XX/XX/20 XXXX charge was taken out for {$12.00} leaving me with a XXXX balance. 
On XX/XX/20 I received a {$10.00}. Overdraft charge and a credit for {$5.00}. ( I didnt realize XX/XX/XXXX was a XXXX XXXX ). 
XXXX XXXX states on there XXXX we will not charge you for overdrafts caused by transactions of {$5.00}. or less. 
I contacted Customer Service and was told they wouldnt honor there statement.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

I submitted 2 disputes to Experian in XX/XX/2022 regarding the inaccurate reporting of an auto loan I had with XXXX. I submitted proof of the loan being paid off on XXXX. There is NO balance owed on this account. Experian refuses to correct there inaccurate reporting. I even filed a complaint with the CFPB for XXXX. On XX/XX/XXXX XXXX responded with a letter acknowledging my disputes and stated they have now reported the accurate balance of {$0.00} to all credit reporting agencies. As of today XX/XX/2022, the innacurate reporting continues on my Experain and XXXX credit reports. This a a violation of the FCRA and something really needs to be done to enforce accurate reporting. I am attaching the letter that XXXX send to the CFPB. Obviously XXXX lied again did not correct there mistake even though they said they did. Experian wont let me dispute the XXXX account as they say I have already disputed it. I am also attaching a copy of my Experian credit report dated today XXXX which clearly shows the inaccurate balance for my XXXX account. Please CFPB look into these violations of the FCRA!