davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

My name is XXXX XXXX and I have mailed, faxed, emailed, and called each bureau XXXX, TransUnion, and XXXX. I have done everything that the law requires to get this matter resolved that's I have contacted the local police department I have filed the necessary paperwork with the FTC. I filed disputes with these bureaus 30 plus days ago and havent received anything. I have been a victim of identity theft. I am not sure when this theft took place, I looked up one day and requested my credit report and found all the errors what else can I do. I want this resolved as soon as possible.
Consumer complaint received 2022-03-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

I am presently involved in a medical malpractice litigation against a hospital. My previous LawFirm ( XXXX of XXXX XXXX ) made me see an XXXX doctor that I did not seek as a medical provider for my care. The LawFirm chose the doctor and sent me to him. This was in XXXX AR RESOURCES INC Original creditor : XXXX XXXX XXXX  XXXX XXXX in the amount of {$1400.00}. Well, I since parted ways with the Law office of XXXX XXXX for new representation on my case. XXXX XXXX office sent me to this doctor, I didnt request them, therefore I am not responsible for this bill. XXXX XXXX is!! This has dropped my XXXX credit score approximately 87pts.. Going from XXXX to XXXX. Please get this unjust report off my credit reports. XXXX.
Consumer complaint received 2022-03-19
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. (GA)

After reviewing my credit report, I am dissatisfied to see the following items that are still showing up in there, despite the fact that I have informed you that they are inaccurate and detrimental to my credit score, and they can still be seen in there, which is causing me to become increasingly irritated.
Consumer complaint received 2019-02-04
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. (GA)

Inhave accounts on my credit that i never created. Is this legal? I never applied or obtained any credit XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed Hide closed ( 1 ) STUDENT LOANS XXXX XXXX Reported : XXXX XXXX, XXXX {$22000.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX {$250.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX {$300.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$590.00} Needs Attention XXXX  Reported : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX/XXXX   XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX
Consumer complaint received 2022-03-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

XX/XX/XXXX it all started. I am self employed. Because of pandemic work was very slow. Could not afford payments. Santander would only say make payments or we will take vehicle. I investigated Santander and found they lost a lawsuit where they put people in loans knowing they would eventually fall behind. In XXXX I was trying to get a vehicle. My credit was XXXX or below. No one would finance me. Then this company XXXX XXXX loans accepted me. I was only able to go to car XXXX because no other car dealer would except them. After purchase I was my payments it was thru Santander. I tried to volunteer to return vehicle and they refused. Then they repossed. Number XXXX I believe I paid them more then enough for vehicle with ridiculous interest. Number XXXX still believe I fell under the terms of the lawsuit they lost with the XXXX of Florida in which i stated to them repeatedly and they refused to answer. With the prices of used trucks they gave vehicle away. So I state again they should have never given me a loan back in XXXX. The vehicle should have been turned over to me as the terms of the lawsuit as I understand it. And the money they sold the vehicle for should be returned to me and this removed from my credit.NOTE They told me credit had nothing to do with giving me a loan. Every loan I ever heard of is based on credit.
Consumer complaint received 2022-08-26
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. (GA)

Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA
Consumer complaint received 2022-03-19
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. (FL)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX Balance {$0.00}, XXXX XXXXXXXX Balance {$1000.00}, XXXX XXXX  XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX Balance {$1100.00}, XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$710.00} XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$830.00}, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Consumer complaint received 2022-03-19
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. (GA)

After reviewing my credit report, I am dissatisfied to see the following items that are still showing up in there, despite the fact that I have informed you that they are inaccurate and detrimental to my credit score, and they can still be seen in there, which is causing me to become increasingly irritated.
Consumer complaint received 2022-08-26
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. (GA)

Describe what happen? 

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well. 


What would be a fair resolution to this issue? 

I want all negative items removed from my credit report because you are in direct violation in the FCRA
Consumer complaint received 2022-03-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION (VA)

( 1 ) Navy Federal Credit union has failed to comply with THE TRUTH IN LENDING ACT and has created a deceptive form to undermine the laws put in place to protect consumers. NAVY FEDERAL CREDIT UNION ( NFCU ) failed to disclose to me, XXXX XXXX, a federally protected consumer my right to request a written itemization of the amount financed in conjunction with the disclosure of the amount financed. 
( 2 ) NFCU failed to disclose to me, XXXX XXXX, a federally protected consumer a statement indicating whether or not I'm entitled to a rebate of any finance charge upon refinancing or prepayment in full pursuant to acceleration. 
( 3 ) NFCU defined the term amount financed as The amount of credit provided to you on your behalf which is not same definition used in the The Truth In Lending Act nor does it have the same meaning and it also implies that the credit I received was given to me by NFCU and not extended.

( 4 ) NFCU defined the term total of payments as The amount you will have paid after you have made all payments as scheduled. Which is not the definition specified in The Truth In Lending Act nor does it have the same meaning.

( 5 ) NAVY FEDERAL CREDIT UNION has committed multiple violations of The Truth In Lending Act and created a deceptive form to undermine the federal laws put in place to protect consumers from abusive practices as such and to inform consumers of the actual cost of credit.
Consumer complaint received 2018-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion refuses to remove the 11 unauthorized hard inquiries off of my report ... I contacted the companies and was told if I did not authorize it then Transunion should remove them ... this is a violation of F.C.R.A. law and neglect of my rights and concerns ... and XXXX  is reporting 6 unauthorized hard inquiries and refuse to remove them also ...
Consumer complaint received 2016-01-12
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (FL)

Honda advertises no money down lease on new Civic for $ XXXX/mo.. In very fine print, they show hundreds, if not XXXX of dollars of upfront costs to do this lease. The no money down offer is misleading if not fraudulent.
Consumer complaint received 2022-03-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bliksum, LLC (CA)

There is an item on my credit report that I am unclear on. It is showing that the creditor is LoanMe and is reporting as a charge-off with a balance of {$0.00}. I disputed this account with the 3 major credit bureaus, XXXX, XXXX, and XXXX. I requested on various occasions that they investigate the item and provide me with details of their investigation. To date, I have never received a response from these bureaus, so I am still not clear as to what this item is. I decided to send dispute letters directly to LoanMe. My first letter to them was dated XX/XX/XXXX and I asked to see the following items : * The complete original alleged promissory note that shows my signature * The account transaction history * Any required default or acceleration notices * The notice of sale document * The Calculation of Surplus or Deficiency letter * Any additional finance contracts including those related to insurance or finance products * The buyers guide * The purchase order * Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note I did not received any of these items. I received a response on XX/XX/XXXX and XX/XX/XXXX saying they did not conduct an investigation as they said they can not assist with the resolution. They stated XXXX XXXX XXXX is claiming to now own the debt and LoanMe can not assist with any resolution. Therefore the account can not be verified as accurate reporting since it is still reporting as Loan Me Inc. This is my second time attempting to dispute this account as the CFPB has sent me a letter trying to also stall the removal of this account reporting on my report. I will submit my email address along with this complaint as requested by the CFPB. Please ensure this account is expeditiously removed from my report as it continues to damage my credit score.
Consumer complaint received 2022-03-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

The government approved loan forgiveness until XXXX. However, Navient does not apply to this forgiveness apparently. Around the same time my payments got recharged, my family member was having a life-threatening XXXX. They would not remove the late fees. I also explained my own personal health conditions and offered to send in documentation. They said they have rules that need to be upheld and the fees can't be removed. Customer service representative and a supposed supervisor said no exceptions can be made regarding late fees regardless of the severity of the circumstance, even if there is a death in the family. I've heard other people with out-of the ordinary situations where they miss a payment. Credit card companies and other loan companies will make exceptions for understandable " life happens '' situations every once in a while ; but not this company. They have no basic human decency and their customer service representatives are very demeaning and rude. Very unethical business practices.
Consumer complaint received 2022-03-18
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. (MD)

I have been calling extensively trying to remove a fraudulent collection account from my Equifax credit report for the past 50 days. FCRA law states that the credit reporting agencies have up to 30 days ( at most, 45 ) to respond to any information, correct or incorrect, that is submitted to them. 

The account in question is from an agency known as XXXX XXXX XXXX. XXXX XXXX XXXX has already confirmed that the debt does NOT belong to me, and therefore must be removed from my credit reports. After speaking with the company on the phone, they informed me that they formally submitted this removal request on their behalf, back on XX/XX/2022. 

Both XXXX and XXXX have each been prompt in removing the account within 15 days... however, nearly 50 days later, Equifax still has yet to remove the account in question, and I have frankly reached the end of my patience on this matter. 

The fraudulent account information is as follows, and is also attached in the documents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$1100.00}
Consumer complaint received 2022-03-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (MA)

OneMain Financial Group LLC Complaint XXXX Dear Sir or Madam : I paid off my balance with OneMain Financial Group LLC XXXX XXXX XXXX XXXX However, they never filed a release with the Registry of Motor Vehicles In MD.

I spent {$25.00} to get my title only to find out that they are holding a lien. 
XX/XX/XXXX I am on the phone with them, XXXX, and they said that they release the lien in XX/XX/XXXX. However, I am on the phone and they are not willing to send another release. They gave me another phone number XXXX, Customer Complaint line. She talked to the manager and I have to call that number. 
I get a message that they are not there -Executive Customer Care at One Main Office and I have to leave a message.

I left a message.

This is plain out a violation of the law wherein once a balance is paid they are to release the lien with the Registry of Motor Vehicle it is their job. I asked for another to be sent and I was told I had to go to the other office. 
This is a repeat of last year wherein I called XX/XX/XXXX to XX/XX/XXXX and asked for the lien to be removed from my XXXX XXXX. It took months. They should be held accountable and punished in addition to my loss of {$25.00}. But for their negligence and willingness to take care of this and not make me waste more time, I have to call another department. How many people do they do this too?? I also dont expect to call them for 3 months like I had to do last year. I want this resolved and mailed to the registry within 3 days. 




Again, I need a title without their XXXX and I need my Money back. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX MD XXXX XXXX XXXX
Consumer complaint received 2022-08-26
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: SYNCHRONY FINANCIAL (DE)

XX/XX/2022, my XXXX was updated with a balance from rooms to go/synchrony for a card that I am no longer an authorized user on. I was removed back in XXXX. When I look in the account Im not even on there anymore. They reported incorrect information and caused my debt to income ratio to rise and my scores to drop XXXX  points.
Consumer complaint received 2022-03-18
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 (TX)

I opened a US Bank XXXXXXXX XXXX card on XX/XX/2022. In less than a month US Bank closed my account without letting me know in advance or giving any explanation. I figured out the card is closed after multiple payments did not go through. I called US Bank customer service multiple times and one of the representatives finally told me that " I'm a risky customer '' and that's why they closed the account. I asked if they can reopen the account, representative said " in theory yes we can reopen the account, but are we going to reopen it? No, we will not! '' Note that, this closure has nothing to do with nonpayment as my first bill 's due date is at the beginning of XX/XX/2022. No other explanation is given. This is an extremely unprofessional way to conduct a business, an individual 's risk profile can not change in less than a month. I had no significant changes in my credit score etc.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2022 I made a hotel reservation using my points with this Chase Southwest Rewards cc. The cancellation fee of {$35.00} was hidden and could only be seen if you clicked into a blurry hidden " i '' icon. This does make the hotel reservation fully cancellable by XXXX XXXX, 2022 XXXX XXXX. I only saw the {$35.00} fee in an email that was then stated clearly. It should have been stated clearly on the booking website. I had to cancel the hotel bc I booked the wrong hotel given XXXX has several hotels in the same 2 mile radius.
Consumer complaint received 2022-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (TX)

In XXXX, I spoke with Direct Loans to make satisfactory payment arrangements or to go on a payment plan that I could afford. The representative steered me toward forbearance rather than allowing me to make smaller payments or to be placed on a payment plan that I was qualified for due to my income. 
I remained in forbearance until XXXX when I started taking graduate classes. I called Direct Loans again and wanted to make smaller payments to at least cover the interest and asked to not be placed on in-school deferment but was told that I was required to be classified as such since I received a student loan. 
I have recently learned that the practice of steering customers toward forbearance was for the benefit of the corporation and not to help the borrower. Had Direct Loans offered me the payment plan that I was qualified for, I would have been able to make the payments and have those years qualify toward my XXXX XXXX XXXX XXXX program and would be out of debt today.I now have all of my loans consolidated and moved to XXXX.
Consumer complaint received 2023-06-26
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. (CA)

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. 

Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 1

5 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 informat
ion relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.