davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NV)

I returned a XXXX XXXX XXXX to Nissan of XXXX XXXX on XX/XX/XXXX and upgraded to a XXXX XXXX XXXX. Attached are the documents showing the vehicle was returned and a Due Bill was signed by the dealership indicating they are paying Nissan Corp {$4000.00} to payoff the rest of my lease. 

After several months of waiting for this to updated on my CBR 's, I contacted the GM at said dealership and he gave me the run around and excuses about sending the wrong checks on old accounts and eventually the dealership failed to pay off the vehicle and apparently filed bankruptcy. This dealership committed loan fraud by taking my money for a new vehicle in a finance agreement and subsequently not paying off the vehicle. This is a crime, clearly. 

I began receiving collection notices from 3p agencies on behalf of Nissan Corp and was luckily able to prove this debt was paid off to the dealership to avoid alternative collection methods. I have contacted Nissan many times over the years and they have essentially refused to rectify this. It may not be their fault the dealership committed fraud but they authorized that dealership to conduct business on behalf of themselves accepting the risk of what could happen. 

This account in question is being reported on my Credit Bureaus as owing over {$4000.00} and is causing me harm to my DTI and for loan approvals. This needs to be completely updated to paid in full backdated to XX/XX/XXXX. 

VIN in question is : XXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I applied for an auto loan on XX/XX/2024 and I was approved, but with a much lower score than what I had expected. I was told I would have to wait for the info in the mail. When I received the report I question the info. I called XXXX about the report. I printed off the FICO report and it showed my score was XXXX, and not the XXXX score that was mailed to me.At no time was I told they would be using a XXXX, I assumed they would be using a FICO score. They never informed me they would be using XXXX score, and how it could affect the outcome of my loan. This is in my opinion a Deceptive practice. I feel they should have advise me of this matter. This is the first time I have heard of this score. I went to the Credit union, I was told had I had a loan with them then they in the last XXXX years, they would have used a FICO score, so now I question is this not a form of Bias. A person has to start somewhere, and should not be penalize because I did not have a loan with them prior to asking for this loan.I was told that the always use transition because they have the lowest scores. So what this tells me is that they want people to pay more in interest, so they can make more money. This is not taken care of the membership and in my opinion creates a deceptive practice. This should be illegal and should be stopped. When they reevaluated my score, It got change and they would not tell me the score, but it did change my load percentage from XXXX to XXXX, but in order to do this I would have to wait for XXXX year or pay down {$2500.00} in order to refinance the loan
Consumer complaint received 2018-12-22
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. (CA)

I had fraud committed against me and reported it to XXXX, XXXX and XXXX card in XXXX after I had found out about it. I reported it to the local police department and they are going to arrest the person that did it as we know who it was. I have called these companies several times since XXXX explaining what has happened and yet the still do not correct my credit reports. I filed disputes with Experian and the results are stating that the credit card companies say they reported correctly to the bureaus. I have a police report and have given them everything they have asked for to no avail. please help me get this corrected as I have already spent hundreds of hours on this whole fraud case to clear my good name.
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (MD)

For the past two months, I have been trying to flie a credit protection claim for my PayPal credit card by Synchrony Bank. The web link does not work. I have been in contact with both PayPal and Synchrony Bank only to be told that their website to submit my claim is down. Synchrony Bank said that I can not submit it by fax, only thru their website - which has been down for two months. I am being charged a credit protection fee each month, which I am not allowed to file a claim.
Consumer complaint received 2018-12-22
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: JPMORGAN CHASE & CO. (CA)

I had fraud committed against me and reported it to XXXX, Chase and XXXX card in XX/XX/XXXX after I had found out about it. I reported it to the local police department and they are going to arrest the person that did it as we know who it was. I have called these companies several times since XX/XX/XXXX explaining what has happened and yet the still do not correct my credit reports. I filed disputes with XXXX and the results are stating that the credit card companies say they reported correctly to the bureaus. I have a police report and have given them everything they have asked for to no avail. please help me get this corrected as I have already spent hundreds of hours on this whole fraud case to clear my good name.
Consumer complaint received 2018-12-22
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Genesis Lending (TX)

Hi, My name is XXXX, I attended XXXX XXXX in XX/XX/XXXX. One year after the lawsuit was filed against the school, in XX/XX/XXXX my federal student loan was forgiven, even though I paid about 7- 10 % in monthly payments to federal loan at the website XXXX, this amount was not refunded, I am greatly thankful to consumer protection agency for standing with the student who were victim of this unlawful act by XXXX colleges.

The diploma cost XXXX, about 10k was federal student loan subsidize and unsubsidized loans, nearly 5k bell grunt, and about 7k Genses private loan. However, the fact that we all know going to school it should make people life better, or at least won't make it miserable. To clarify that, I thought I was going to have a career as the school promised. Shortly after I graduated I heard about the lawsuit. Therefore going back to unskilled job is a must. I struggled to repay my Genses loan, any time I call them to let them know that I can't pay for this or that month they will say ok, but interest is adding up, 7 k I nearly paid 10k for late payments that I can't afford to make by doing unskilled labor work. Plus I was not able to go public college to pursue a career because no one that have no parents or brothers to help can attend school with {$110.00} Genses loan + XXXX $ federal laon, my concern has been shifted from pursuing a career to focus and find a way to pay back the loans. I couldn't attend school for 2 years just to make sure the loans are paid. To conclude, federal laon has been forgiven, the question remains after contacting so many lawyers that can help in student loan cases. If am i able to get at least the interest that I paid back to private loan Genesis student loan, which nearly {$5000.00}, from {$7000.00} principal. Which all equals to {$11000.00}. XXXX  school has changed my life from unskilled worker to unskilled worker with loan which negatively affected me for two years, XXXX, XXXX  for how to pay it back.

Thank you.
Consumer complaint received 2018-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MO)

Diversified consultnts-XXXX I have told them several time that this not mines and doesnt know anything about this account. They taken it off my credit serveral times but somehow it appears back on my report. Please remove this collection as this is not mine
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

On XX/XX/XXXX, the XXXX issued an order against Bank XXXX XXXX, XXXX, which is a national bank headquartered in XXXX, North Carolina with branches and ATMs located in XXXX states and the District of Columbia. When a consumer writes a check or authorizes an XXXX transaction to a merchant or other payee using their deposit account at Bank of America, the merchant or other payee may then present that check or ACH authorization to the bank for payment. Until XX/XX/XXXX, if a consumer did not have sufficient funds in their account to pay for the transaction and the bank decided not to pay it, XXXX  XXXX XXXX assessed the consumer a {$35.00} non-sufficient funds fee. Merchants commonly re-present these returned transactionsthat is, they again try to receive paymentoften multiple times. For many years, XXXX  XXXX XXXX assessed non-sufficient fund fees on ACH and check transactions that it returned unpaid even though it had already assessed a {$35.00} fee for the same ACH or check transaction that it had previously returned unpaid ( i.e., repeat non-sufficient fund fees ). XXXX  XXXX XXXX would assess these repeat non-sufficient fund fees potentially as soon as the next day after the initial transaction. From XX/XX/XXXX until XX/XX/XXXX, XXXX  XXXX XXXX generated hundreds of millions of dollars in such fees. The Bureau found that XXXX  XXXX XXXX assessment of repeat non-sufficient fund fees was unfair in violation of the Consumer Financial Protection Act of XXXX. The XXXX order requires XXXX  XXXX XXXX to refund all repeat non-sufficient fund fees that it collected since XX/XX/XXXX and has not yet refunded, totaling approximately {$80.00} XXXX in redress. The bank must also pay a {$60.00} XXXX civil penalty to the XXXX. The XXXX of the Comptroller of the Currency ( XXXX ) concurrently issued an order against the Bank separately fining it {$60.00} XXXX. 

USAA Federal Savings Bank does the same thing with assessing non-sufficient fund fees on XXXX or check transactions that it returned unpaid even though it had already assessed a {$29.00} fee for the same ACH or check transaction that it had previously returned unpaid. I have been a member for approximately 25 years and this has always occurred. At times, I called and asked that they refund the fees per the second transaction and, at times, they did. However, this is and was an ongoing issue with USAA Federal Savings Bank and just like with Bank XXXX XXXX, this needs to cease. I have complained before because I believed that money was taken from my account, fraudulently, over the years. However, USAA never goes back over 1 year to investigate and then in XXXX of XXXX, USAA is fined {$140.00} XXXX for bad money laundering controls. Regulators say the bank, which mainly serves XXXX military members, failed to keep track of its customers suspicious activities despite repeated warnings that it needed to improve.
Consumer complaint received 2018-12-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (KS)

The interest they charge is way two high its tripple what I borrowed is this practice allowed? I borrowed XXXX and I owe XXXX and I have made 3 payments of XXXX and still owe XXXX I am been taken advantage of.
Consumer complaint received 2023-03-23
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. (CA)

In accordance with the fair credit reporting ace XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2023-10-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

This complain for my small business account : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX ID were compromised and my checking account was accessed. Someone transferred {$5000.00} out of my account via XXXX without my authorization. I have emails confirming that hack/theft through XXXX. Seeking assistance in getting my stolen money back.
Consumer complaint received 2019-01-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On or about XX/XX/XXXX, I wrote a check # XXXX for {$3200.00} to Pa Dept of Revenue and it came back to the bank right away unendorsed and unsigned. 
I looked up my account with Pa Dept of Revenue and they never got the funds so I had to regenerate the forms and a replacement check which did come back properly endorsed. 
I called Citizens Bank and asked them to restore the money to my account for the unendorsed check. Instead they created a claim and asked for 6 to 8 weeks to process it. After 8 weeks the office of the chairman said they needed more time, Finally on XX/XX/XXXX they told me their claim was rejected by XXXX XXXX and therefore they were rejecting my claim. I then started a complaint procedure and they called me back and said I needed to contact XXXX XXXX as they were not going to restore my money. I am writing now because I feel I have been treated most unfairly.
Consumer complaint received 2022-07-09
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: EQUIFAX, INC. (MI)

I received a copy of my credit report and noticed some hard and soft inquiries that I dont recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX
Consumer complaint received 2023-03-22
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-04-14
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Alliant Capital Management LLC (MI)

I've received repeated calls at all hours from a company by the name of Alliant Capital Management. The most recent call was at XXXX XXXX. Thinking it was an emergency I called the number back and received a voicemail for a person named XXXX at the above named company. This is absolutely ridiculous. I contact my creditors directly from the companies listed on my credit report. I do not answer numbers I don't know and I don't deal with companies who want money over the phone. I pay my bills that I receive by mail and that are listed on my credit report. These are extremely aggressive tactics for a debt that isn't proven to be mine. I've gotten calls before XXXX XXXX, after XXXX XXXX. It's not right. No other company has EVER behaved this way. I received voicemails threatening legal charges, that I could go to jail. I'm not stupid, I know that no debt, unless fraudulent, can put me in jail. I've committed no fraud so I know I'm in the clear. But I will not tolerate someone trying to defraud me.
Consumer complaint received 2022-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

According to the fair credit reporting act 15 USC 1681.I have the right to privacy. Also according to 15 USC 6802, No financial institution is suppose to share information to third party people.

These are clear violations of my federally protected rights.
Consumer complaint received 2023-03-20
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: EQUIFAX, INC. (CA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). The following is a list of the negative items : The inquiry by XXXX XXXX XXXX XXXX  on XX/XX/XXXX was not authorized by me. According to the FCRA, credit inquiries must be authorized by the consumer in writing, and I have no record of providing such authorization. Therefore, I request that this inquiry be removed from my credit report. 

The inquiry made by XXXX - XXXXXXXX XXXX on XX/XX/XXXX has reached the statute of limitations. According to the FCRA, credit inquiries that are more than two years old should not be reported on the credit report. Therefore, I request that this inquiry be removed from my credit report.

Similar to item 1, the inquiry by XXXX XXXX XXXX XXXX on XX/XX/XXXX was not authorized by me. As per the FCRA, any credit inquiry not authorized by the consumer must be removed from the credit report. Therefore, I request that this inquiry be removed from my credit report. 

The personal information on my account number, which belongs to XXXX XXXX XXXX in XXXX, CA XXXX, is incorrect. The FCRA requires that all personal information reported in the credit report must be accurate. As this address belongs to someone else, I request that it be removed from my credit report. 

The account number belonging to XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The account number belonging to XXXXXXXX XXXX XXXX XXXX  is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The account number belonging to XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The inquiry made by XXXX XXXX  on XX/XX/XXXX was not authorized by me. As per the FCRA, any credit inquiry not authorized by the consumer must be removed from the credit report. Therefore, I request that this inquiry be removed from my credit report. 

In accordance with the FCRA, I request that you investigate and remove the aforementioned negative items from my credit report. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-01-17
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. (GA)

I have submitted a dispute on XXXX-18 with all three major credit bureaus in regards to several inaccuracies listed within my credit file. On each dispute letter that was mailed I was clear in explaining the necessity for a signed contract and/or some form of a legal document with my signature to confirm the accuracy of several accounts. Each credit bureau failed to disclose to me how they supposedly verified the debts. Under the FCRA I have a right to request this information and each bureau failed miserably in providing said documents per the law and per my request. I also disputed one of the accounts directly with XXXX XXXX XXXX in the amount of {$540.00}, yet only received a letter stating the information reported is accurate. I am in the process of filing a complaint with the FTC, due to unfair billing practices which have destroyed my credit worthiness. As mentioned previously, I requested some form of documentation to prove the investigation was handled in accordance with the FCRA. I have warned each bureau as well as the creditor that I will seek legal action to protect my rights and credit under the FCRA. Before taking any additional legal action, I would like to seek assistance from this agency.
Consumer complaint received 2021-04-14
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: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX, I received an email from Amex to encourage me signing up for the platinum card and will receive the welcome bonus of 100,000 point if I signed up and spend {$5000.00} in 6 months. But when I got approved, customer service said I was declined to get the offer. 

Amex didnt tell me any reason about it upfront until I reach out to customer service to verify if the bonus was gone through. That means If I didnt contact them at all, I would spend thousands of dollars and would not receive any bonus at the end. Duing my application process, Amex also did not provide any info about their declination for my bonus. 

I found their information misleading. And I am very disappointed that they processed my application far different from what they claimed.
Consumer complaint received 2020-09-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect (MI)

On XX/XX/2020 I contacted Americollect about a debt via certified mail. The debt in question is reported twice on my credit report in the amount of XXXX $ opened on XXXX XXXX. I never received notice of this debt, and it is being reported on my credit report. I have written the company for validation of this debt and the company never responded. It has been 30 plus days since contacting the company.