davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (WA)

I signed a retail installment contract on XXXX in the state of Washington, the APR is 20.49 %, the amount financed is {$17000.00} and the finance charge ( or cost of the whole credit ) is {$13000.00}. I put down a {$600.00} down payment, and traded in my car which counted for {$1400.00}. The total amount was {$32000.00} which is nearly double the amount of money financed to me. 

When I asked GM Financial, the lienholder, when my account was opened, I was advised ( via chat ) : " XXXX at XXXX, XXXX XXXX : Hello XXXX, I show that the loan was opened XX/XX/XXXX. '' I contend the installment sale contracts I signed, that was immediately assigned to the bank, that the transaction is really a loan from the bank and documenting it as an installment sale is just a sham to avoid the usury limit, which in the state of WA where the sale took place is 12 % per year. If this kind of business practice is lawful, why would n't every dealer have a buyer sign a retail installment contract in conjunction with an auto loan from a lender in order to profit from unreasonable interest rates? If the agreement between the lender and the dealer is what makes it a " retail installment contract '' as opposed to a loan which is directly between the lender and buyer, then why am I paying GM financial, and not XXXX XXXX? 

I do feel that this is usury. In the case of XXXX XXXX XXXX XXXX XXXX XXXX v. XXXX, XXXX, the buyer bought a new vehicle from a dealer with a down payment and an agreement to pay the balance over several installments. According to the conditional sales contract, the buyer would make payments directly to a bank that was financing the sale. The contract was furnished to the dealer by the bank, which had an agreement with the dealer to buy all such contracts, if acceptable. On the next business day after the transaction was executed, the contract was assigned to the bank. When the buyer eventually refused to make payments, the bank sued. The Supreme Court reversed the trial court 's entry of judgment for the bank, holding that the transaction was, in substance, a direct loan from the bank to the buyer. Noting that courts look through the form of a transaction and consider its substance in usury cases, XXXX held that this transaction was actually a cash sale, with a conditional sale used as a security device to protect the bank. Because the interest on the loan to the buyer exceeded 12 percent per annum, the contract was usurious. 

I would like everything I have paid to GM financial to be applied to the principal. I would like my balance paid off, as my gap insurance only covered 25 % of the ACV. I would like GM financial to remove themselves from my credit report and all my late payments from my credit report.
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: STERLING JEWELERS, INC. (LA)

I had called years ago to close my Kay jewelers account that I was lured into opening in a store when the guy said it was a membership card and it actually was a credit card. So I called right away when received to close it. And now in XX/XX/2019 is see on my XXXX credit score that this account is still opened under the name XXXX XXXX/Kay jewelers. Which is an odd buy out from the Kat jewelers account that does appear as closed. Could you help me close any account with this company for good?
Consumer complaint received 2024-03-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I believe FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you please examine the documents? Several of the listed accounts appear to be incorrect, and it's making me feel uneasy.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-04-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (FL)

I got a loan from Sallie Mae ( XXXX ) to cover my college expenses over a 4year period. I have fallen behind and unable to make my payments on time. I have expressed this to Sallie Mae resolution representative on numerous occasions. Moreover my interest is building my overall loan total to a substantial amount. My loan is now over {$120000.00}. They want me to increase my payments to {$1000.00} a month but I am unable to because I can barely make the {$200.00} per month I am paying in interest. They continuously call me even after I have expressed to them that I am unable to make payments on a temporary part time job. I recently graduated in XX/XX/2016 and I also got evicted. I have looked for jobs in my field ( XXXX XXXX ) but I am unable to find any because I am not a XXXX. For the majority of government jobs I have to be a citizen and I am only a XXXX.
Consumer complaint received 2022-12-20
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. (GA)

XXXXXXXX XXXX XXXXXXXX has placed an erroneous collection on my Transunion credit report. I have never given this company permission to furnish or access any of my personal information nor share it with anyone. This information has been removed from my other consumer reports due to fraudulent and or inaccurate reporting. I have never provided this company with my personal information nor have I ever consented to contract with XXXX XXXX XXXX. This company has accessed my personal information through a third party and has now decided to erroneously place a negative item on my consumer report. This is a violation of my privacy. See : privacy act of 1974etc. This company can not provide a written contract and I have sent numerous request to the credit reporting agency and the alleged creditor and they have failed to provide me with competent proof of claim or information they utilized to verify such claim.
Consumer complaint received 2022-12-20
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)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2023-05-26
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA (NJ)

On XX/XX/23 I opened a Marcus Savings account with a promotion : " After enrolling, you must deposit {$10000.00} or more in new funds from an external account into your Account within 10 calendar days of enrollment ( the Funding Period ). The Account balance plus a minimum of {$10000.00} in new funds ( the Required Dollar Amount ) must be maintained in your Account for 90 consecutive days from the end of the Funding Period. The Account balance is based on the starting current balance reflected on your account at XXXX XXXX ET the day you enroll. Once the Funding Period has ended, your Account balance may not drop below the Required Dollar Amount at any point until after the 90 consecutive days have passed. You may make multiple deposits within the Funding Period to reach the Required Dollar Amount. Internal transfers do not count for purposes of this Offer. If you choose to enroll a different Marcus Online Savings Account in this Offer, you must deposit {$10000.00} or more in new funds from an external account into the newly enrolled Account within 10 calendar days of enrollment in this Offer, even if you reached the Required Dollar Amount in a previously enrolled account '' Based on the 90 day figure, XX/XX/XXXX should be the maintenance day. It is not. See the screenshot on the day I opened the account, it says to maintain by XX/XX/XXXX! Then, I logged into my account this morning, XX/XX/XXXX, and the terms changed to XX/XX/XXXX! DOUBLE-CHECK THE TERMS AND KEEP TRACK OF DATES WITH MARCUS. WHO IS TO SAY MARCUS WILL NOT KEEP ADDING TIME INDEFINITELY SO THEY CAN KEEP YOUR MONEY LONGER WITHOUT PAYING THE BONUS TO YOU?!
Consumer complaint received 2024-03-06
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: Experian Information Solutions Inc. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-06
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. (SC)

On, XX/XX/XXXX I requested a copy of my credit report from all credit reporting agencies. I received my credit report from all agencies to check for any clerical errors that may have been created without my consent, only to discover the agencies reporting inaccurate information on my credit report. The reported names are inaccurate, addresses reported inaccurate. In XXXX of XXXX, I disputed all inaccurate information with XXXX, XXXX, and Experian agency, without receiving remedy. Reporting inaccurate information is a violation of consumer rights, 15 U.S. Code 1679c - Disclosures : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (AL)

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 LETTERS FOR REFERENCE
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NATIONSTAR MORTGAGE LLC (FL)

I live in Florida. I was affected by Hurricane Irma. So, my mortgage company agreed that I can stop payment for a few months. But they didnt mention any condition. They promised to work with me to resume payment. On the contrary, they were more willing to let my home go into foreclosure. I fought and made them design a payment plan for me. I complied faithfully with the plan. Nevertheless, they sent negative report to credit bureau. My score dropped by 150 points I asked them to fix the problem. They didnt do anything about it. I complained to the three credit offices. Recently, XXXX told me their investigation was completed. But I am still 60 days late in my account for XX/XX/XXXX and XX/XX/XXXX. Nation Star told me they have a lot of customers and I have to wait. I feel like they are not doing anything to solve the problem. Please help me! I worked hard to build my credit.
Consumer complaint received 2024-03-06
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. (FL)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-03-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

In XXXX I disputed 2 student loan accounts, both opened in XX/XX/XXXX, that showed I had 8 late payments. I disputed these late payments with Experian but have never heard back from them. Then in a recent review of my Experian credit report I find that these late payments are still reflecting on my credit report. When I contacted the Dept of Ed they told me that I had to dispute these late payments with the credit bureaus. I did what I was told and no results!
Consumer complaint received 2023-07-11
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. (KY)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I have two inquiries on my credit report. One is on XX/XX/XXXX at a XXXX XXXX and the other is XX/XX/XXXX. I called the number no one picks up I constantly call I did not apply for a car in California when I live in Virginia. Secondly, yesterday XX/XX/XXXX someone tried to apply for a credit card from XXXX  XXXX with my information. I need that taken off my credit report because I did not apply for a credit card. I called Experian. They said they cant take it off because its an application of some sort in a hard inquiry. The people who submitted the application have to take it off I cant get in contact with them so we need to do something about this. Its ridiculous how this could happen.
Consumer complaint received 2023-05-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (KY)

I initiated a {$1000.00} money transfer to XXXX using through Wise on XX/XX/2023. Wise withdrew the {$1000.00} from my XXXX XXXX account. They charged {$18.00} fee. 
The money was supposed to be available to the recipient on XX/XX/XXXX and today is XX/XX/XXXX and the recipient still don't have the money. 

I made several attempts to get hold of Wise customer service and every time they keep saying they will get back to me within 2 days. Still no resolution. 

Thanks,
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (AL)

Due to my understanding Experian XXXX XXXX XXXX drop my score by XXXX incorrect information being reported unlawful including XXXX XXXXXXXX XXXX they supposed to delete that from my credit report XXXX XXXX Experian refuse to comply with federal regulations guidelines reported incorrect information or to investigate not drop people score to harm my credit my self account is paid in full my credit score drop I here request them to put my score were it was or file civil action lawsuits against the company fraudulent activity personal information
Consumer complaint received 2023-05-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (WI)

All of a sudden, I saw this debt collection on my credit report. I never heard from them, never got a letter... nothing. Then it just shows up on my credit report. My credit has been pristine, and now this happened and has crushed my credit report. I don't know where this debt came from.
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (CA)

A overpayment on account prompted a credit balance refund check for {$490.00} on account, however check was never received and when I requested a stop payment on check it was denied. Since my account had double the amount of the credit balance I asked for it to be put back in account, however that was denied as well. I am now out {$490.00} and I'm asking for it to be put in my credit card account.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (FL)

I the consumer and natural person was denied a job by First Advantage when I applied for XXXX XXXX Employment. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1692K.

You are the subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by this company due to the response I received. This is discrimination, because I applied in good faith to grow with company.
Consumer complaint received 2024-03-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report. Upon contacting XXXX XXXX, they confirmed the validity of the identity theft report and assured me they would remove the fraudulent accounts. Despite encountering system issues, they can not provide records. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-20
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (TX)

Dear Consumer Financial Protection Bureau, I am filing a complaint against Navy Federal Credit Union, concerning a fraud claim for card num ending in # XXXX of {$190.00}. 

Navy Federals investigation determined an agreement that an error occurred as I asserted and that a provisional credit was applied that was not applied temporarily while they await information from the merchant that supports the validity of the disputed charges. 

It clearly states in the provided letter that : if the merchant does not provide information within 45 days from the date of the letter, their determination that the error occurred as I asserted will be final and the provisional credit that I did not receive would become permanent. 

It has been well off past 45 days and Navy Federal has failed to communicate and refund the money back to my account regarding my claim. The merchant has not sent any information within the timeframe stated in the certified letter within this claim ( See Attachments ). Navy Federal states that when their investigation was completed I would be notified of a determination stating whether the provisional credit that I did not receive during their investigation was removed or permanent. 

RESOLUTION : Therefore, I am filing a complaint with an expectation of authorization action to be taking place for the return of my funds to be expedited back to my new credit card account ending in # XXXX. 

I am also a victim of disable discrimination with a XXXX XXXX  and demand a resolution for those of disabilities to be advocated for under the American of Disability Act to be able to use their reasonable accommodations regarding and claims and consult with a customer service provider as a Private ClienXXXX base on their disability needs. 


Respectfully Submitted, XXXX XXXX XXXX