davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

I have been trying to refinance my car for almost two years because the note is so high. After this last time, the company that I was trying to refinance with informed me that I am " upside down '' in my car. I didn't understand why. He informed me further that the company whom I lease through, Nissan, added a car to my leasing agreement that was not in my name which causes me to have negative equity. This is making me unable to refinance the car. The car that was added to my leasing agreement was in my father 's name. I was unaware of this being done. I believe that my father and the shady salesman did this so that my father would not have a voluntary repossession on his credit report. I called Nissan and ask that this be rectified. They told me that there is nothing that they can do. I have paid for my car. I am still currently repaying for a car that was never mine to begin with. I want to have this negative equity removed and applied to the proper party, my father.
Consumer complaint received 2022-04-15
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: Experian Information Solutions Inc. (CA)

According to the Fair Credit reporting act ( XXXX XXXX XXXXXXXX ) XXXX5 U.S.C 1681 Section 602 A. States I have the right to Privacy 15 U.S.C 1681 Section 604 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions also a FTC report was sent to remove this account.
Consumer complaint received 2023-06-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2023, the consumer recieved via certified XXXX postage of the consumer requesting for Transunion to investigate the " validation '' of the debt of XXXX XXXX XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX and XXXX XXXX XXXX XXXX. Transunion report file of the consumer does not have any contact information ( address and telephone number ) of both the original creditor or the debt collection agencies in which the consumer recieved any written notice of a debt the consumer owed such collection agencies in compliance to 15 U.S. Code 1692g ( a ) ( 1 ) - ( 5 ) .Transunion was requested to foward the consumer letters ( NOTICES ) from the debt collection agencies complied with 15 U.S. Code 1692g ( a ) ( 1 ) - ( 5 ) to validate the debt. Transunion was given 30 days to investigate into having the debt collection agencies provide such Notices and was requested upon failing to validate the debt, to remove such accounts from the consumers credit report. Transunion did not correspond back before the consumer within the 30 day timeframe and did not provide the appropriate data in which a dispute can be made to validate the debt in action to show that the debt collection agencies provided within the consumers file report did not comply with 15 U.S. Code 1692g ( a ) ( 1 ) - ( XXXX ) and no validation of the debt exists.
Consumer complaint received 2019-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (PA)

I called synchrony bank 3 times to have my late fee removed since I did not receive my statement. They kept saying they would remove the fee and did not. This is the amazon store card. They also called 5 times saying my statement was past due harassing me.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right 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
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I have tried on 4 seperate occassions to have Equifax Information Services update my personal information with correct information so that my credit report reports accurately. On XX/XX/XXXX, I mailed to XXXX XXXX XXXX a letter requesting a correction to my name and address. With this letter I included a clear, color copy of both my driver 's license, social security card, and the Personal Information page from the credit report PROVIDED by Equifax. On XX/XX/XXXX i faxed to XXXX a very clear copy of both my driver 's license and social security card to ensure that they had proper documentation to update my credit report. On XX/XX/XXXX I receive a letter from Equifax stating that they could not update my information as they were unable to locate my credit file in their database. It asked that I submit one item from their " Identification '' category ( pay stub, w2 or valid social security card ) and one item from their " Current Address ) category ( driver  's license, rental/lease agreement, pay stub with address, utility bill ). As you can see, I submitted one item from each category via mail and fax. I have a copy of my fax transmission report indicating that the fax with the requested documents was received on XX/XX/XXXX. On XX/XX/XXXX I received 2 more letters ( one addressed to my correct name and one addressed to an incorrect name I was asking to have removed from my report ), again, asking me to submit one item from each category. I am infuriated with Equifax 's stalling of updating my personal information. This is a clear attempt to keep outdated and inaccurate information on my credit report to the benifit of creditors and bill collectors. This is unacceptable and they should be penalized for such actions. I have included documentation of my most recent letters sent, the identification and address items, and the multiple letters sent my Equifax to this complaint.
Consumer complaint received 2015-04-18
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (CT)

Hello, I am using Discover credit card and I pay off my monthly due on time with full due payment as per their statement to avoid interest. I also used Discover promotions like balance transfer with 0 % rate for next 18 months with initial fee. Let us say by using that promotion, if I transfer {$3000.00} on XX/XX/XXXX and they charge me {$90.00} on the day of transfer initially and then I have to pay off that amount on or before XX/XX/XXXX 

So my understanding is that from XX/XX/XXXX onwards, if I pay off my monthly purchase transaction as per monthly due, I wo n't see any interest. because my balance transfer loan is 0 % for 18 months. But every time I pay off my monthly due as per their monthly statement, they still charge me some interest. I asked them why then they mentioned, I have balance transfer loan. But that is 0 % for 18 months. 

As a consume, I am not able to understand their explanation. I can provide my last 24 months statement, you can look at it and see why those interest charges applied every month. They are charging me initially 3 % of loan to provide 0 % for 18 months and then they are charging interest fee every month. But I am paying off my all monthly purchase transactions as per their statement. 

Let me know if my statement make sense or not. 

Thanks
Consumer complaint received 2022-05-04
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2024-02-01
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (CA)

XXXX XXXX XXXX shows I missed three payments on my credit report. I sent BMW XXXX a lengthy letter regarding the situation with the car during the time which they had full understanding of the car being an accident and I was waiting for a response from them to release a payment for the accident from the driver that had hit me the car wasn't in use the car was at there service provide getting repaired and all good faith they remove the late payment and about XXXX of XXXX the payment showed back up late on my credit report which I understood that this was taken care of already but ended XXXX showing back up on my report. I didn't miss any payment the car was in an accident and I was in full contact with BMW XXXX  in regard of that and trying to get the car back on the rode or if they was going to totaled the car so the payment weren't valid during the time to be paid. Ive sent letter and also emailed XXXX XXXX one of the team leader from the insurance team in regard of my situation during this time and how the accident hinder me to be able to get to work while I waited for them to accept a payment from the driver insurance company so my car can get back on the rode.
Consumer complaint received 2019-07-07
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. (GA)

I have called and emailed letters to XXXX XXXX XXXX XXXX in XXXX and XXXX of 2017 to remove late payments that were posted to my account, and again I contacted them for late payments that were posted to the credit bureaus on XXXX and XXXX of XX/XX/2017. The payments have been removed and then reposted to my account, but for the last 2 years have been moved. It is affecting my credit score. I don't understand why the account will reflect a late payment for XXXX, and then XXXX, then will get changed from XXXX to XXXX. It also has been moved from having a late payment in XX/XX/2017, to XX/XX/2017, on several occasions
Consumer complaint received 2020-02-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

We have never had XXXX XXXX as a provider. Never. Transunion refuses to conduct a new dispute investigation saying they have already done one, God knows when. But, this can not be correct as we have never had XXXX XXXX as a provider. This record was reported the middle of last year, XX/XX/XXXX. We have XXXX as our provider since we moved to our current location XX/XX/XXXX. We never had XXXX XXXX as a provider in the past.
Consumer complaint received 2018-12-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

On XX/XX/2018, I got involved in a Citibank promotional offer which offered a cash bonus of {$400.00} if I kept {$15000.00} in a checking account for 150 days. I opened a checking account and deposited the money. The 150 days was up on XX/XX/XXXX, but I have not yet received the bonus. Three disputes have been filed, but no one knows how to solve this problem. It has now been 168 days since I deposited the required {$15000.00}. Disputes have been filed but nothing is happening. Citibank is in no hurry to resolve this dispute although it is not a very complicated case. No one knows how to handle this situation. 
I would really appreciate your help in finding out what's going on. 

Thanks very much. 

XXXX XXXX
Consumer complaint received 2024-02-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: VW Credit, Inc (TX)

Subject : Urgent : Request for Assistance Regarding Audi Financial Account Dear Consumer Finance Protection Bureau, My name is XXXX XXXX and I am writing to provide an update on the issue I previously reported to the CFPB regarding Audi Financial. 

Following my initial complaint, Audi Financial deleted all my account information, including my account number, making it impossible for me to make timely payments. Consequently, I have fallen behind by two car payments. Despite Audi Financial 's actions preventing my access to accounts, they continue to report non-payment to the Credit Bureau. 

I kindly request your assistance in addressing this matter promptly. It's crucial to prevent further misinformation on my credit report, as Audi Financial 's actions are beyond my control.

Thank you for your attention to this urgent matter. 

Sincerely, XXXX
Consumer complaint received 2022-05-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (TX)

I'm reporting bad faith and fraudulent loan practices from Santander Consumer USA Inc. On XX/XX/22, I sent in a letter of rescission per my right under XXXX XXXX after three previous attempts to validate the alleged debt owed on my car. Santander has not responded properly to my letters, affidavits or tabulations of violations to date. The only response concerning my actual request for validation, was a photocopied page of a one signature contract, with a fraudulent finance charge and a positive balance. There was never any notice given to me, neither in the original contract or in my following requests, with the proper full disclosure of the rescission process. According to XXXX XXXX I sent a notarized letter of rescission after learning my rights as a wronged consumer and was completely ignored and they sent me a threat to steal my property via notice to accelerate this month, long after my rescission letter was confirmed as received via certain mail tracking number. The entire transaction concerning my car was fraudulent from the beginning, and thus void from its creation and I'm seeking indemnification.
Consumer complaint received 2019-07-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is using third party to verify my information FCRA, 15 U.S.C 1681 The company them selves have to verify the information and they do not do so. I have a right to get verifying proof Transunion to make sure they are complying with the law. As of XX/XX/2018 the company is not complying to help protect my credit file. The company thinks they can verify information and not tell me how they came up with the information.
Consumer complaint received 2017-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

On XX/XX/2017, I attempted to order my 12-month FCRA credit report from Equifax. I followed the CFPB 's instructions and called XXXX-XXXX-XXXX. 

I was connected to an automated system. Several times throughout the call, the automated system was unable to understand me, including being unable to understand my name or how it was spelled. I was eventually asked to enter my SSN. After I did so, the automated system asked me to confirm correctness, by purporting to read back the number to me. However, instead of reading back the number to me, I only heard silence, so I pressed 2 ( to indicate that the read back was incorrect ). After trying three times the system informed me that I could not complete the request of the phone, and disconnected me. 

I called back and tried various ways to reach a representative, including pressing 0 several times. I concluded there was no way to reach someone to report the problem. 

I tried calling Equifax to obtain a report directly. Equifax indicates that credit reports may be ordered by calling XXXX-XXXX-XXXX. However, this is also an automated system. I pressed 1 to request a report, then 1 again to request a free report. An automated message played back and asked me to call XXXX-XXXX-XXXX ( the number I had originally dialed ). I was right back where I started. 


The FCRA provides ( 15 U.S.C. 1681j ) : ( a ) ( 1 ) ( C ) In general. The Bureau shall prescribe regulations applicable to each consumer reporting agency described in section 603 ( w ) to require the establishment of a streamlined process for consumers to request consumer reports under subparagraph ( A ), which shall include, at a minimum, the establishment by each such agency of a toll-free telephone number for such requests. 


The relevant CFPB regulation provides ( 12 CFR 1022.137 )  : ( a ) Streamlined process requirements. Any nationwide specialty consumer reporting agency shall have a streamlined process for accepting and processing consumer requests for annual file disclosures. The streamlined process required by this part shall : ( 1 ) Enable consumers to request annual file disclosures by a toll-free telephone number ...
Consumer complaint received 2023-07-21
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. (IN)

I checked my credit report XX/XX/XXXX and notice there were hard inquiries on my credit report that I dont have permissible purpose to be on there these hard inquiries are hurting me from being approved recognize I have reach out to all credit bureaus in the fraud department and these items are still in my credit profile. My rights are now being violated under 15 usc 168 1b XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-04-15
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. (FL)

A dental insurance company charged my credit card ( XX/XX/2022 ) for a service that I told them that I didn't want any longer. In return, XXXX not only charged my account but them billed me over {$100.00} in past due fees. I was finally able, after many phone calls, to cancel the credit card. Finally on XX/XX/2022, XXXX sent me an email advising me that they resolved my dispute, my account had a ZERO balance. 

This morning I received an email from XXXX XXXX that there was an update to my credit report and credit line. I always had an excellent credit rating, now it is good! I am very upset because especially at this point in my life, I'm XXXX now, I took and take great pride in my credit and my reputation. 

I have tried calling XXXX and TransUnion, being placed on hold, then disconnected.
Consumer complaint received 2022-04-15
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. (FL)

A dental insurance company charged my credit card ( XX/XX/2022 ) for a service that I told them that I didn't want any longer. In return, XXXX not only charged my account but them billed me over {$100.00} in past due fees. I was finally able, after many phone calls, to cancel the credit card. Finally on XX/XX/2022, XXXX sent me an email advising me that they resolved my dispute, my account had a ZERO balance. 

This morning I received an email from XXXX XXXX that there was an update to my credit report and credit line. I always had an excellent credit rating, now it is good! I am very upset because especially at this point in my life, I'm XXXX now, I took and take great pride in my credit and my reputation. 

I have tried calling XXXX and XXXX, being placed on hold, then disconnected.
Consumer complaint received 2017-10-17
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)

Accounts do not belong to me. 

Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX} Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX