davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2024-04-04
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: General Motors Financial Company, Inc. (FL)

I, XXXX XXXX XXXX XXXX, am submitting this request to Consumer Financial Protection Bureau to formally file a complaint against GM Financial Compliance Department with not compiling with the Formal Letter Written by XXXX XXXX ( GM Financial Compliance Department ) submitted to Consumer Financial Protection Bureau and myself on the removal of the eight unauthorized hard inquires reported on my credit by GM Financial. The Compliance Department at GM Financial agreed to remove the unauthorized hard inquires in a Formal Written Letter dated on XX/XX/XXXX, XX/XX/XXXX, and email communication with XXXX XXXX on XX/XX/XXXX. However, the unauthorized hard inquires have not been removed and are still listed on my credit report. I have been more than patience with GM Financial and have given this department five months to process the submission of removal to the appropriate credit reporting agencies, which include XXXX, XXXX, and XXXX. I have been in contact with all three credit agencies regarding the status on the removal, which include telephone conversations with the dispute departments in XXXX, XXXX, and XXXX. The dispute department have disclosed that there is no past or current submission of removal in place.

These unauthorized hard inquiries are not in relation to any open or active accounts. These hard inquiries have adversely impacted and exhausted my credit report, which have affected my credit worthiness as a customer. I am attaching a formal letter from GM Financial to support my claims stated in this complaint.I believe that the inquiries made by the aforementioned business were made without permissible purpose as outlined in the FCRA, specifically 15 U.S.C 1681b. My interactions with this company involve clear communication. GM Financial did not have permissible purpose to make multiple hard inquiries without my consent, as these actions are not authorized by law. I request that Consumer Financial Protection Bureau takes the necessary actions to investigate this complaint to have these hard inquiries removed from my credit report.
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 — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (WA)

XXXX XXXX XXXX is reporting incorrect information to my credit report. 
-Two year payment history is incomplete with no data. 
-Date last active is incorrect with all three credit bureaus. 
-Bureau code is incorrect with XXXX showing joint owner on a single account.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Let me off by saying that Ive had this credit since XXXX with a credit limit of {$750.00} with a excellent pay history. In addition, Capital One open another credit in XXXX and increased the credit limit without requesting it. 
Over the past 3 years, Ive tried numerous times to get a credit limit increase but denied. I received a letter stating to get a credit limit my XXXX XXXX was to pay more than the amount due for 3 months without any late payment. I have successful meet the criteria for a credit limit increase three times as recent as XX/XX/XXXX and denied. I followed everything Capital One asked for the credit limit and I do not understand why it is so difficult.
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 — Account information incorrect
Company: CLGF Holdco 1, LLC (AZ)

CB Indigo/GF is reporting incorrect information on my credit repot. 
-Last reported date different with all 3 credit bureaus -Date last Active different with all 3 credit bureaus -Two year payment history information is different in all 3 credit bureau
Consumer complaint received 2022-03-18
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 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 an account without my written instructions
Consumer complaint received 2022-03-18
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. (PA)

CFPB Write up In accordance with the Fair Credit Reporting act XXXX  XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, has violated my rights. 

15 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-03-30
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: FC HoldCo LLC (NJ)

I requested an extension on past due payments during the pandemic. My car was repossessed then returned to me when the error was recognized. However thousands of dollars in fees were added to my account. In addition, I paid all required payments including additional payments pushed to the end of the loan. 

At the end of my loan I was told I owed more than $ XXXX in fees. I was told they were for various things. The explanation varied based on who I spoke with. Each time I tried to close out the loan prior to the end of the term. I was given inflated numbers. I tried to negotiate a buyout to no avail. This company repeatedly blocked online access for payment to. Their website is not set up to allow you to pay a single monthly payment t. They will accept the payment but you must call for processing. This entire process has been outrageous. Ive paid more than double of what I borrowed and they are still telling I owe them. Sometimes the explanation is payment pushed to the end of the loan. Other times its interest. They havent released my title and Ive made all of the payments required. 

I have emails inquiring about not being able to make payments on the portal because of the fees related to repossession. 

I have emails related to attempts to resolve this issue with what they called balloon payments
Consumer complaint received 2022-03-18
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. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION (NC)

Ever since SunTrust became Truist, I have been unable to contact customer service. Online chat feature is disabled and no branch appointments available within 100 miles. Phone wait is hours long. I deposited {$2000.00} to a checking account on XX/XX/XXXX and on XX/XX/XXXX {$240.00} is missing. I have not used the account and no transaction appears to explain the missing money. This is the worst bank I have ever dealt with. Zero customer service and disappearing money. Help!!!!
Consumer complaint received 2016-06-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (CO)

I called Sallie Mae to see if they could offer me some sort of loan modification because my student loan payments are too high and I ca n't afford them and the only option that they gave me was forbearance. I do n't want to do forbearance, I want my monthly payment to be affordable.
Consumer complaint received 2022-12-16
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. (WV)

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. 

US DEPT ED : # XXXX DP OF EDUC : # XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  : # XXXX XXXX XXXX : # XXXX DPT EDXXXX : # XXXX has violated my rights. 

15 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 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 2022-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
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 — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Walmart is reporting inaccurate information on my XXXX Credit Report. the date of delinquency is not correct and should be removed from my credit report. I contacted XXXX XXXX XXXX and Walmart exercising my rights for Verification of the debt on several occassions. I would like the negative information being reported on my XXXX Credit Report " Deleted ''
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

this credit card account is my ex girlfriends and she listed me on the card as a signer i never got a card and i have never used this card she has tried to get them to removed me from the card she has verified that it wasn't my card and i never used any of the balance on the card and they still refuse to removed me she has verify to XXXXXXXX XXXX that this debt isnt mine and has yet to get resolved to it
Consumer complaint received 2017-09-09
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. (UT)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled the reporting of this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2022-03-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX {$1200.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2019-08-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In XX/XX/XXXX, while the account was in collection status, this account with XXXX XXXX was paid in full and my contract was stamped by the company as paid in full ( copy attached ). In XX/XX/XXXX, after the account was paid in full, the company reported the account as charged off to Transunion. I have been actively disputing this with the credit Bureaus for months now. Upon talking to TransUnion on XX/XX/XXXX, I was told that the stamped contract that I submitted with my dispute did not meet the criteria. When I asked what the criteria was, the TransUnion representative told me he could not disclose that information to me. In the process, I have received many notifications from the free credit monitoring sites ( i.e. XXXX XXXX, XXXX XXXX ) throughout my disputing indicating that my reported balance has gone from {$1800.00} to {$0.00} and back to {$1800.00}.
Consumer complaint received 2022-03-18
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. (GA)

I have reached out to Transunion regarding several inquires on my credit report. I notified the Bureau that several of these inquires I did NOT authorize! Instead of them removing them from my file they IGNORED my complaint. As a consumer I deserve a credit report that is 100 % accurate. On my credit report I have notified them about XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX In the dispute process the Bureau are supposed to verify items that are on my credit report. They have not. I have notified them that I didn't give these people my permission to access my credit report at anytime. However Transunion still has not removed these items from my credit file.
Consumer complaint received 2022-03-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

I never received my Bloomingdale 's replacement cards nor did my authorized user. I have been working with Bloomingdales for over a month now to resolve the issue. There is an amount of {$630.00} balance on my account ending in XXXX. I have no idea what this balance is for since all prior transactions were reported as fraud since I never received the replacement cards. Bloomingdales refuses to work with me on resolving the issue
Consumer complaint received 2022-03-18
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. (GA)

As a consumer I am highly disappointed in this Bureau! I have sent several letters to them about several accounts on my report that were deleted and re-added for instance account XXXX and XXXX these are the same account that were delated from the original creditor XXXX XXXX because they were disputed. I asked them to verify this account with the original creditor and they couldn't so it was deleted. However it was readded to my credit report under XXXX and another name. As a consumer I have the right to a credit report that is 100 % accurate. What makes matter worse is that the bureaus isn't supplying me any information on the dispute process. I have sent several letters and have gotten no responses from this Bureau. This isn't the only account that this has happened with ; there was another, account Account number XXXXoriginal creditor XXXX XXXX XXXX which I disputed this account with the Bureau back in XXXX resulting in, apparently a deletion which I also didn't receive a letter about, this was deleted due to them not being able to verify the account and then a month later was readded under account number XXXX and XXXX. I will be including copies of my credit report from XXXX and my most Recent credit report here in XXXX. However the Bureaus have a responsibility to make sure all information is accurate and correct before entering it into my credit report! This didn't happen. I am writing this complaint because I am expecting them to correct not only these two files but all the others on my credit report!
Consumer complaint received 2024-04-18
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Dealing with provider of income share agreement
Company: Leif Technologies Inc. (PA)

Hello, I came across your article regarding XXXX and wanted to inquire about the possibility of removing this XXXX from my name. I attended XXXX back in XXXX, and I have not been able to find a job as a software engineer or programmer since attending the school. I didn't feel I was receiving the best training while I was in the cohort. At a certain point, a student was teaching one of the classes, which was a red flag. Since I haven't been in a role that would qualify me to start paying on the XXXX since I graduated, I didnt receive any assistance with finding a job in the field, would it be possible to have this XXXX removed from my name? Any information would be helpful. 

Thank you.
Consumer complaint received 2022-03-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Fifth Third Bank is in possession of my loan ending in XXXX. I have not received calls on the delinquency ( the Bank stated they called on XX/XX/XXXX but no voicemail was left ) and have not received an email from this company since XX/XX/XXXX. I tried logging onto my online account to make a payment yesterday evening and this morning and couldn't log in. When I tried to call the bank this morning they were still closed and my account information wouldn't be accepted to make a payment. Shortly after trying to make a payment this morning my car was repossessed. I am only two payments past due ( 63 days ) and the last notification I received in the mail was XX/XX/XXXX, which did not state anything about the repossession of my vehicle if I didn't make a payment. When I called the bank for assistance this morning, letting them know I could make two payments today, and another next week, they refused to take the payment. They stated I must pay {$770.00} by certified funds in order to get the car back within 10 days. When I inquired about hardship assistance due to my partner being out of work due to XXXX, just having a child, and I was out of work due to an XXXX, they stated unfortunately I have to be current and made consistent payments for 90 days to even get assistance. This makes no sense and seems predatory when I am literally telling the bank we are experiencing a hardship. When I asked to speak with a manager this morning I was told they were having " computer '' problems and that I could leave a message. I would like this banks predatory and deceptive collection practices investigated. I would also like to point out that at no time was I informed on my billing statement or over the phone that Fifth Third is attempting to collect a debt ( aka they didn't provide the collection mini miranda ).
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NV)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.