davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: GFS II, LLC (OH)

I had a truck loan that was repossessed unlawfully. The company turned around and sold the truck for way under what the truck was worth but continue to bill me for the remainder of the loan which is predominantly interest as this is a subprime auto loan. I have an attorney and they were notified that I was filing bankruptcy so they hurried to file suit. I decided not to file bankruptcy very recently and was going to settle with the company but all of a sudden I have a garnishment on my paycheck for {$560.00}. I can not afford that payment amount and can not afford my bills now. I want to find out how much the loan company is ACTUALLY out from the truck without interest as I know it is not the {$6000.00} they are trying to charge me. The truck was never worth that amount. I was tricked by the dealership into even signing for this loan. XXXX and Gateway Financial trick customers into loans they can not afford and then repossess and that is how they make their money. XXXX and XXXX is who garnished my wages for Gateway. I need help with this company. I will pay what I myself caused, but not {$6000.00} to a greedy company making money off of customers who are desperate and easily tricked. This is unfair and deceptive. I want to settle on this and stop the garnishment.
Consumer complaint received 2022-10-27
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (FL)

I am disputing several credit errors on my report. I have made SEVERAL attempts to get this resolved through Fed Loan, ombudsman, FSA complaint, and I also contacted the credit companies. 

# XXXX XXXX XXXX XXXX Accounts need to be closed/PIF : Several Fed Loans are still showing up as active on my credit report through Fed Loan Servicer, thus my credit report incorrectly reflects DOUBLE the amount of student debt which has now impacted my credit. I took out a private loan through XXXX in XX/XX/XXXX. These Fed Loan accounts were paid in full in XX/XX/XXXX by XXXX private secured loan, but all 3 major credit reports are still showing up with a balance on Fed Loans of XXXX {$400000.00} ( see attached credit reports below ) Explanation : I formerly had a accounts/loans with Fed XXXX XXXX. ( See the attached documents as highlighted in the report for the accounts ). 

XX/XX/XXXX : I took out a personal loan to pay off the student debt through XXXX XXXX XXXX paid off these loans. ( See attached documentation/exhibit. ) This was finalized on XX/XX/XXXX. ( See attached document/exhibit. ) XX/XX/XXXX : I received a welcome letter from XXXX for the personal student loan. ( See attached document/exhibit. ) XX/XX/XXXX : On the same exact day, this loan was transferred to XXXX ( A Department of Education Servicer ) on part of the Fed Loan Servicer. ( See attached document/exhibit. ) XX/XX/XXXX : I received a Paid in Full status letter from XXXXFederal Student Aid that this was paid in full by my private loan through XXXX. ( See attached document/exhibit. ) XX/XX/XXXX : I made my first payment on the privately secured loan to XXXX. 




Who I Contacted -- timeline : Fed Loans : I spoke with Fed Loan Servicer on the phone on XX/XX/XXXX. They indicated that I had to fill out a form to have the information corrected I filled out and uploaded documents several times ( XXXX, XXXX, XXXX ) ; was sent the same form repeatedly to fill out, which I did, without any resolution I also sent them the form with all of the pertinent documentation via regular mail on XX/XX/XXXX FSA : XX/XX/XXXX : Filed complaint with FSA ; case number XXXX ; was received an email stating that I would receive a response within 15 days ; received no response XX/XX/XXXX : I contacted Ombudsman at FSA. The representative stated there is an open case. She is requesting an email be sent to me by the caseworker. 


Credit Bureaus : XX/XX/XXXX : I completed an online dispute form. They came back with results stating that I still had an open account, with open balance, see attached. 

XX/XX/XXXX : Sent regular mail disputes to all 3 credit bureaus via tracked XXXX mail XX/XX/XXXX : I contacted XXXX and they stated that the credit error needed to be fixed by Fed Loan Servicer, but they could see the open balance on my report
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CO)

This complaint arises from incorrect reporting on my credit report. In the past XXXX years, Infiniti Finance has reported my account over 30 days late on XXXX different occasions. In XXXX of XXXX, a payment deferral was taken due to XXXX, at that time the late payment was to be added on the back end of the loan. The next payment made in XXXX was made on-time, however Infiniti financie inadvertenly put that payment towards principal only. From that point on, a late payment did accrue. There has never been a missed, nor a late payment on this account. Please see the attached payment history as well as the last 24 month statements. 

In XX/XX/XXXX I submitted a disput on XXXX XXXX and nothing was resolved. On XX/XX/XXXX I called Infiniti Finance to discuss the situation and it was discussed and reviewed that no payments were ever late.
Consumer complaint received 2022-10-27
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: EQUIFAX, INC. (MI)

The Equifax Data Breach has severely put my identity at MAJOR risk for potential misuse. I have spent XXXX days now checking my credit for inaccuracies. Discovering data selling as an industry. Along with other American atrocities, this has taken a lot of time out of my life and added stress and pressure to my life. Affecting me deeply with the various things i have discovered and the sheer horror and terror I have been overcome with knowing how truly vulnerable my personal information is.
Consumer complaint received 2022-10-27
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LOBEL FINANCIAL CORPORATION (FL)

LOBEL FINANCIAL
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

I LEASED A CAR FROM LOBEL TWO MONTHS LATER THE CAR GAVE OUT ON ME IT WAS A LEMON. I TOLD THEM TO GET ME ANOTHER CAR AND THEY REFUSED. I TOLD THEM TO PICK UP THEIR CAR AND TILL THIS DAY THEY ARE CHARGING FOR A VEHICLE THAT HAS EITHER BEEN JUNKED OR SOLD FOR PARTS. I THINK THIS IS UNFAIR. THIS HAS BEEN GOING ON SINCE XXXX XXXX XXXX  AND BECAUSE OF THIS I CAN'T GET ANOTHER VEHICLE SO I CAN GO TO WORK TO TAKE CARE OF MY FAMILY.
Consumer complaint received 2022-10-27
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. (DE)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I AM WRITING IN REGARDS TO THE DISPUTES I SENT OVER 30 DAYS AGO THAT I HAVENT GOTTEN A RESPONSE BACK FROM EXPERIAN AND THATS A VIOLATION OF THE FCRA, THESE ARE A RESULET OF Identity theft AND I WANT THEM REMOVED ASAP ACCORDING TO 15 USC 1681c-2
Consumer complaint received 2023-03-15
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)

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. 

XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, has violated my rights.

15 USC 1681, section 602 A. 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 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes, with antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnished 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 2022-10-27
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America refuses to send me my monthly statements from my Visa prepaid AZ XXXX XXXX ending in XXXX and XXXX from XX/XX/XXXX thru XX/XX/XXXX. 
Bank of America sends me fabricated excel spread sheets that are loaded with mistakes, no balance, no Bank of America on front page with AZ XXXX XXXX prepaid card. 
Bank fraud.
Consumer complaint received 2022-10-27
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: College Ave Student Loan Servicing, LLC (IN)

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15usc1681 sections 602 states i have the rights to privacy. 15usc1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. under 15usc1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

dates are XX/XX/2022 and XX/XX/2022 The amount is {$62.00}
Consumer complaint received 2022-10-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (WA)

XX/XX/2022 - I checked my online banking account- noticed an unauthorized transaction of {$500.00} from Debit card - I immediately called and reported. 
Was told my card needed to be closed out a new one ordered- they said transaction will be stopped and funds replaced. 

Today XX/XX/2022 I needed to transfer funds in my checking today XX/XX/2022 ( from my savings ) so I could make a daycare payment and pay another bill - UNABLE to do this without the overdrawn amount being taken out - as this caused my account to be overdrawn as it was not authorized so did not transfer funds to cover - I DID not authorize this and Wells Fargo had NO business authorizing a payment from an account that did not have the funds- I was transferred many times only to hear sorries and apologies. They even transferred me to a XXXX XXXX one time!!!! 

I can not do anything with transaction - Wells Fargo kept transferring me and I kept having to call back - I requested numerous times to be transferred to a manager or supervisor - the last time waited on hold entirely too long. I have been banking with them for YEARS and this is ridiculous. ANY other time a transaction is DECLINED for NO funds to cover in account - EVEN if I have it in my savings- THIS was not a normal transaction for me so usually a Fraud alert will pop up - NO ONE CAN explain where the ball was dropped and told me all they can do is apologize and I had to WAIT! on top of that one person had the nerve to YELL at me and act like I had NO reason to be upset and did not deserve a fast resolution to this. As if me banking with them for YEARS meant NOTHING. I am NOT a new consumer!!!
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I would be gIad if you put attention regarding to my complaint its because I found out there are some inaccurate informations that are UNKNOWN to me. You are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following inaccurate items are needs to remove : XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5700.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} ; XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally lodge a complaint regarding the inaccurate reporting of an account on my credit reports, which is associated with XXXX XXXX XXXX XXXX and has been managed by your organization, XXXX XXXX XXXX. This erroneous reporting has had a detrimental impact on my credit standing and necessitates urgent attention to rectify the situation. 

Upon reviewing my credit reports, I have identified discrepancies in the reporting of the account attributed to XXXX XXXX XXXX XXXX. These inaccuracies have adversely affected my creditworthiness, warranting immediate action to correct the record. 

In light of these concerns, I hereby request a comprehensive investigation into the account in question. Additionally, I kindly ask that you provide written documentation to substantiate the validity of the reported account, including but not limited to the following : Signed contracts or agreements relating to the services provided by XXXX XXXX XXXX XXXX. 
Valid photo identification associated with the account holder. 
Detailed records of service dates outlining the nature of services rendered. 
Comprehensive documentation indicating payment dates and amounts made towards this account.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transition Contacted XX/XX/XXXX via phone but they weren't not helpful with removing the unknown inquiries from my credit report. 

Hard inquires XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contacted XX/XX/XXXX via phone but they weren't not helpful with removing the unknown inquiries from 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
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I just spoke to the Executive Team at XXXX XXXX XXXXXXXX and caught them in a major lie. They sent a letter trying to conclude their investigation in which they have done zero investigation. I just had the same representative for 1.5 hours and I had him going back and fourth and with faulty information. This person has no more information that people below him which are not in the executive level. 
He claims he wants to help me but he kept fumbling. I caught him on many lies in a recorded line. Meanwhile he has yet to use a recorded line. It take time and a lot of effort. Therefore hurting me. He has zero comprehension nor education to understand what damage he has cause to me. 

He sent a on sentence letter to me saying he has concluded on the information that they are correct. He has sent the same information to the FTC. 

This is fraudulent. I have submitted to XXXX XXXX XXXXXXXX what I have paid and this person still tries to spin it in different ways and XXXX XXXX XXXX now want to charge me more than the norm. They are a fraud!!! 

In addition they are now asking me to pay even more money. They will create more harm with a close account with a closed account.
Consumer complaint received 2023-05-25
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. (NJ)

In accordance with the fair credit reporting act XXXX  accounts # XXXX, XXXX has violated my rights 15 u.s.c 1681 section 602A states I have the right to privacy.

15 u.s.c 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-01-25
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: EQUIFAX, INC. (ME)

I disputed an account on my Equifax report from XXXX that was reported as opened as of 2016 as incorrect/not mine. The investigation came back as belonging to me from XXXX but the dates are all wrong. This should be off as it is very old.
Consumer complaint received 2022-10-27
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. (NY)

I just spoke to the Executive Team at XXXX XXXX XXXXXXXX and caught them in a major lie. They sent a letter trying to conclude their investigation in which they have done zero investigation. I just had the same representative for 1.5 hours and I had him going back and fourth and with faulty information. This person has no more information that people below him which are not in the executive level. 
He claims he wants to help me but he kept fumbling. I caught him on many lies in a recorded line. Meanwhile he has yet to use a recorded line. It take time and a lot of effort. Therefore hurting me. He has zero comprehension nor education to understand what damage he has cause to me. 

He sent a on sentence letter to me saying he has concluded on the information that they are correct. He has sent the same information to the FTC. 

This is fraudulent. I have submitted to XXXX XXXX XXXX what I have paid and this person still tries to spin it in different ways and XXXX XXXXXXXX XXXX now want to charge me more than the norm. They are a fraud!!! 

In addition they are now asking me to pay even more money. They will create more harm with a close account with a closed account.
Consumer complaint received 2023-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

I had a Checking and Savings account with Fifth Third Bank. On XX/XX/16 I had a balance of {$3900.00} in my checking and {$500.00} in my savings. On XX/XX/16 someone somehow had gotten control over my account they deposited fraudulent checks for {$1900.00} then withdrew everything out of the account my {$3900.00} included. This bank now tells me that I owe {$5700.00} from my checking and {$1400.00} from my savings. There was never any credit given to me for the money that was stolen. I've asked the bank several times in writing to show me proof!!. What hurts the most is that they are saying I owe what was taken from me. The told me oh the account is closed its charged off so we really don't care about it anymore we sold that account. {$4500.00} may not seem like a lot to this big bank but that was my kids trip to XXXX that summer!! Do not bank with Fifth Third they have absolutely NO Fraud or Identity Theft Protection!!!!!!!