davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
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. (IN)

Find out more than XXXX credit cards ( XXXX  XXXX and XXXX XXXX XXXX ) was reported to my credit, the same day i called both banks and explain them that i dont know nothing about those cards .right away, i report it to the police and follow up with the banks ( XXXX XXXX XXXX and XXXX  XXXX ) but especially XXXX XXXX did not want to fix/solve the issue all they do was adding interest instead of fixing the issue.
Consumer complaint received 2024-10-08
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance {$28000.00}XX/XX/XXXXXXXX Balance {$410.00} XX/XX/XXXX Balance {$220.00} XX/XX/XXXXXXXX Balance {$0.00} XX/XX/XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$460.00} XXXXXX/XX/XXXXBalance {$220.00} XX/XX/XXXXXXXX Balance {$0.00}
Consumer complaint received 2023-08-13
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. (TX)

I pulled my consumer report and noticed several non mailable addresses. To ensure I receive all mail from the United Postal Services, heres my corrected address ( Insert address ). 
My name should also read XXXX XXXX, my current phone number XXXX. 
Remove any and all other information to relinquish all identity theft claims as the information you are reporting is not mine. 

XXXX XXXX XXXX, IL XXXX-non mailable address XXXX XXXX XXXX, IL XXXX-non mailable address XXXX XXXX XXXX, IL XXXXnon mailable address XXXX XXXX XXXX XXXX XXXX, IL XXXXnon mailable address XXXX XXXX XXXX, IL XXXXnon mailable address
Consumer complaint received 2024-04-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC. (OH)

In XX/XX/XXXX, The car dealer Twin Auto in XXXX did not inform me about the car 's ( XXXX XXXX XXXX ) conditions, maintenance and it's true book value when they sold it to me. They have misinformed and disinformed me and made me sign papers without explanations. They also added additional products that I did not request. So at the XXXX dollar book value car was sold to me with a near XXXX  % interest rate at a XXXX USD loan. 
The loan company Ally Finance accepted this invalid load application that uses an inflated price. Now I can not refinance the car because the LTV ( Loan to Value ) is negative. I communicated with both companies and even XXXX to find a way to resolve this unfair and deceptive business behavior. I felt vulnerable and abused. 
My attempt to enjoy purchasing or refinancing a car with my perfect credit has now turned into a deep frustrating experience. I do not know what to trust. The only choice I have is to file a complaint.
Consumer complaint received 2024-04-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

On XX/XX/XXXX, I accidentally sent {$1000.00} to Nissan Motor Acceptance Corp/nissanfinance.com. It was intended for my mortgage company, XXXX. I caught it the next day. I called XXXX ( my checking account ) asking if they could put a stop payment on it but they could not. On XX/XX/XXXX, I spoke with XXXX in Nissan Finance, XXXX. She said the system will reject the epayment and send it back. I spoke with XXXX again and was told they would open a recovery claim. That didn't help. On XX/XX/XXXX, I spoke with " XXXX '' at Nissan Finance. He said there was a note in my now closed account stating the {$1000.00} was returned/rejected on XX/XX/XXXX. I spoke with XXXX a few more times to see if the amount was pending and it wasn't. On XX/XX/XXXX, I spoke with " XXXX '' at Nissan who also told me the payment would have been rejected. I went to my XXXX bank today and was told Nissan had accepted that payment. I have proof of payment which I will attach. I realize this was my error but I need that {$1000.00} returned. Thank you, XXXX XXXX
Consumer complaint received 2023-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was Recently reviewing my credit report and noticed multiple fraudulent inquiries. See list of in accurate information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-04-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Santander Consumer USA Holdings Inc. (CA)

I took a pay cut a few years ago I was forced to file for bankruptcy XX/XX/XXXX as of XX/XX/XXXX Santander consumer offered to defer my monthly payments on my vehicle for six months XX/XX/XXXX my bankruptcy finally cleared the same month that my last deferred loan payment on my vehicle was to go through and found out that because of the bankruptcy I was denied for deferred loan and required to pay the back fees from XX/XX/XXXX to XX/XX/XXXX. Even though I agreed to keep my vehicle after bankruptcy Santander consumer took me to court anyway. I talked to Santander consumer about the {$3000.00} of back fees in hopes to get the payments down and I was promised that every time I make payments I would be given 30 days in which was a lie and my vehicle was repossessed on XX/XX/XXXX after throwing numerous of payments to bring the balance down to {$1400.00} in the past few weeks they still took my vehicle and will no longer take payments and they now want {$2000.00} in order for me to get my vehicle back in which I do not have the funds to do so but right away. Especially being I work out of town
Consumer complaint received 2020-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, No. XXXX ( XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.
Consumer complaint received 2021-04-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL (AL)

Synchrony bank, as usual, gave interest {$790.00} instead of {$800.00} for a traditional IRA CD ( one year term at 2 % APY ), for principal amount of {$40000.00}. This is going on for years. Just calculate the amount of money synchrony is pocketing ( illegally ) for years, involving millions of us account holders for regular CDS, and for traditional IRA CDS. 
The US government is a silent spectator. 
Synchrony bank must immediately refund {$1.00}.
Consumer complaint received 2024-10-08
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. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX - XX/XX/year> Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request : I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2023-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit report is showing late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Good afternoon, According to 15 U.S. Code 1692c - Communication in connection with debt collection. 

Date : XXXX Portfolio Recovery Associates/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2024-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (TX)

I had to restore my XXXX XXXX XXXX XXXX, and I tried to add my Citi Debit Card back to my account. I kept getting the error contact the card issuer. So, I finally called the bank on XX/XX/2024 and had to call about 4-5 times. Issue is still not resolved. 

On the first call, the banking specialist transferred me to the wrong department. She transferred me to the credit card department. The agent in the credit card department immediately said you have called the wrong department. I did not call her department, and I politely let her know that I was transferred and had not called. She tried to get an XXXX XXXX  specialist from the banking side on the line, and then the call got dropped while she transferred. I had to call back. This will make me now talk to the fourth person. 


I called back the man was attentive and tired to work with the specialist himself, then had to transfer me someone in fraud said they cleared everything and got rid of any errors or red flags. 
And setup my card to be able to work with XXXX XXXX. 

I hang up the phone and attempt to add my card to my XXXX XXXX via the Citibank App through manage digital wallets, it fails. Same error contact card issuer. Then I try to scan the card with the XXXX wallet scan card feature to add it this fails, then I try to manually key the card in and then this fails. I make two more call in attempts and get sent to the wrong area with the automated system call chain to the branch locator. 

I call back and finally get a person and then immediately tell them I need a supervisor for my issue she asks the issue to pass on I tell her then she gets me to the supervisor and then the supervisor had some technical issue and I could hear her but could hear her trying to dial or put me on hold Im not sure. 

But what I am sure of is that I worked in banking and financial services for around 20 years and its absolutely ridiculous and disgusting that Citi and so many other huge banks hire off shore support and these people have one a language barrier, two a cultural way of living life barrier because they are not in XXXX, and dont know what our day to day life is like when it comes to living and doing business here. And for the record Im not XXXX I prefer to date men of XXXX specifically XXXX XXXX XXXX XXXX XXXXXXXX. I have a huge affinity for these men period. However I prefer to speak with someone in XXXX that has a strong understanding of how life flows in the financial realm here. 

When I first got my checking account and debit card I had the same problems. Im sick of this ongoing issue and expect a resolution in a timely manner. 


So its an ongoing issue and Citi needs to get it together. And implement a dropped call system where it allows the last agent helping you no matter what department they are in if the call hand off does not complete their inbound calls get paused and the system should redial the last person. It would make a life changing difference and put Citi ahead of the other banks.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Incorrect DOB : - XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX Employer - XXXX XXXX Employer - XXXX XXXX  XXXX Employer - XXXX
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (UT)

I went in for a XXXX  operation, and on the day of the operation I was told by the receptionist who signed me up for Care Credit through XXXX XXXX  that the credit would be 0 % interest. There was no indication of a temporary period of time that interest applied, or that there would be an increase. I was misinformed of the terms of the loan and now have been charged a {$1900.00} lump sum interest amount that more than doubles the amount I owe. 

I messaged with customer support on XX/XX/XXXX  to ask if I could pay the remainder of the principal balance owed prior to the interest charge ( {$1400.00} ) and waive the lump sum interest because I was unaware of any interest on the loan ( {$1900.00} ), and they told me that wasn't possible. I think if you allow a nurse or receptionist who is not representing the true terms of the loan in a upfront and honest way to obligate consumers for credit use with Care Credit, they should be informing people of the period of time the 0 % interest offer is good for. She told me in person that there was no interest and it was an awesome option to cover the cost of my XXXX. I would've paid off my entire loan prior to the end of the promotion had I known it was a temporary offer. Now I have a loan I won't be able to pay off for years because of a lack of understanding of the loan terms, and I feel as a consumer I was harmed and misled in the process.
Consumer complaint received 2022-09-20
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: NAVY FEDERAL CREDIT UNION (NJ)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resul from an alleged identity theft, not later t

han 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no
other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consum I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2022-12-07
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: AES/PHEAA (TX)

FCRA Violation student loans not mine U S DEPT OF ED/XXXXL U S DEPT OF EDXXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation inquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Violation collections not mine XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-08
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: EQUIFAX, INC. (TX)

XXXX has had information provided by myself, for over 30 days, that directly resolve my situation. They have information from myself, the original creditor, the settlement and removal of debt that I negotiated over the course of 3 years, with little to no help from XXXX. 

When I call, they state the information doesn't apply on their end, but my report has not changed. At all, and my app does not reflect, adequately that it has been paid and resolved. 

When I called and waited 30 minutes for a supervisor she disconnected the call when she heard something she didn't like and hung it. I find it hard to believe that a 30 minutes hold, and 5 minutes of a call, filled with tension, caused the phone to magically disconnect. 

No call back was provided. No effort to resolve. 

If you are a credit reporting company, YOU ARE NOT THE GOVERNMENT, for one. You're a company getting favor from the government based on a " service '' you provide. The only point of a credit agency is to report truthful and accurate information. 

XXXX XXXX is resolved completely. 
XXXX XXXX XXXX have been resolved completely. 

This complaint encompasses both because if I don't say anything now, about how the CC took over 30 days. Then I wait, 30 days, and complain about XXXX XXXX XXXX. 

That will take 60 days to resolve based on their time table and I have no way to speed up the process, no way to inquire where they are with the process, the application is faulty, the information is only good for people that want to ruin your credit. 

XXXX job is to report properly. They are not reporting properly. They are not following the 30 day rule agreed to by Legislatures and governs corporations as well. 

Everyone benefits from credit scores, except for the person that has a score reported incorrectly and XXXX  makes no real efforts to assist in the process. 

They care more about showing you a card to apply for, to get a finder 's fee, than they care about actually helping the consumer. 

Stop trying to ruin my future prospects with your lazy and inattentive acts that by this point, look more like malice than negligence. With a nice sprinkle of racism and discrimination.