davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nicholas Financial Inc. (FL)

Nicholas financial auto loan wont stop appearing on my credit for a debt. that amount was paid off by a gap insurance when the car got total lost in an accident in XX/XX/2016. it was for a XXXX XXXX, the car insurance windhaven paid 90 % of the car debt and the gap insurance covered everything else. they confirmed and sent out letter to clarify. but that company wont stop posting this.
Consumer complaint received 2023-03-29
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. (CO)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (OH)

I possess a XXXX  store credit card from Comenity Bank. On XX/XX/2019 there was a fraudulent purchase made using my card information ( but not my card as I possess same ). I noted this within a matter of days and contacted Comenity Bank to notify them of the unauthorized transaction. The bank closed that account and issued a new card and had me complete paperwork to initiate an investigation. I was informed that I would not be responsible for paying that sum until and unless the investigation was complete and I were found liable. Despite this assurance, I soon received two statements from Comenity Bank, one for the new account, and one for the closed account under fraud investigation. Under the closed account it was stated that I had a minimum payment due of {$32.00} and demanding payment. As I had been informed not to pay this as I was not liable, I telephoned Comenity Bank to question this. I spoke to a representative ( which I audio recorded as my state is a one party consent state ) and questioned why I was having payment demanded of me for an issue still under investigation. I was informed that this was a mistake and that the statement should never have been issued to me. I was informed that payment was not due and I was not to pay it. However, I am now receiving notices from Credit Reporting Bureaus that I am delinquent on this payment. I telephoned Comenity Bank this evening, XX/XX/2019 ( and again recorded the call ) to ask why I was being listed as late in payments when I was specifically told that payment was not due and that I was not to make the payment. Comenity Bank states that I do not owe a payment as the investigation is still pending .... yet they have reported me as being delinquent in payment. I am greatly concerned as I have a credit score of XXXX as I am very careful with my credit and having a late or missed payment on my record is troubling. Especially troubling as, unless I am mistaken, it is unlawful for Comenity Bank to demand payment or list me as late on this payment while it is still under a fraud investigation. If this reflects negatively on my credit I will be seeking full reparations and punitive actions against Comenity Bank as I should not be reported as late or having missed a payment when this issue is under a pending fraud investigation for a purchase I did not make. 
I do not still possess the old account credit card number ... but will provide the new card number later in this complaint for identification purposes.
Consumer complaint received 2023-03-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (TX)

In 2019, I co signed for a car loan thru Navy Federal for my young daughter, who was attending college at the time. 
The car was found at a local car lot called XXXX XXXX XXXX, and the loan was for {$6500.00}. 
The owner of car lot, talked to us about a connection they had at Navy Federal, and that they sent all there're customers here for financing. I didn't have a problem with that because I bank with them also. 
After applying, the salesman drove us to the nearest Navy Federal on XXXX XXXX in XXXX XXXX XXXX, and took us to a known salesman to start the loan procedure. 
The loan XXXX or clerk took our information and printed a check and we were done in the matter of XXXX to XXXX minutes. 
I have since not been able to obtain a car title nor get the vehicle registered in my state. 
The owner promised the title would be available in a few weeks. Eventually, weeks turned to months and months to years. 
He eventually explained to my husband and myself that he couldn't get the title because it belonged to XXXX XXXX XXXX, but was in process of obtaining it.. 
All the while visiting the car lot every month to attain a monthly paper tag from the owner because he didn't hold a legal title to this vehicle prior to selling it to me. 
I contacted the bank, and they advised me that they had nothing to do with me not obtaining a title, then they changed my car loan to a counter loan.

Therefore sticking me with a car I can not register, and a loan on a car I ca n't drive.

I am currently still paying on this loan every month, So I am seeking help from your office of experts in this matter, Thank you!
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

Dispute Numbers provided by Citi : XXXX & XXXX I am writing in response to a credit card dispute case which is being handled by Citi and prolonged for almost 3 months now without any resolution. Hoping to get some help on resolving the issue. 

My case is as below : Myself, US citizen was traveling to XXXX. I came to XXXX on XX/XX/XXXX and the cab driver took me to a restaurant in XXXX, where I was forced to give my credit card even though there was absolutely no service provided. 
The name of the restaurant was in XXXX and hence I could not read. There were 2 charges that was made at the place on the same day on my credit card were {$1400.00} & {$2400.00}. 

Citibank responded to my dispute by sending a sales receipt from the merchant. 

I responded to them saying the sales receipt is totally fake and also my sign was forged. The charges show some amount like {$250.00} for mixed fruit and {$900.00} as some drink. I am pretty sure they do not even have a menu with the amounts. 

Also the receipt shows {$1100.00}, while I was charged {$1400.00} and {$2400.00} on the same day. I sent a reply to Citi asking the merchant to provide explanation for the same? 

This is totally an extortion where in these people are fleecing foreign customers. I had called the Citibank customer service on the same day to inform regarding the fraud committed and to dispute the charges. 

The cab driver who took me to the place was XXXX and his number is : XXXX XXXX XXXX XXXX. The XXXX authorities are trying to nab this person but looks like he has absconded from XXXX. A formal case has been registered with the XXXX authorities. 

I have asked Citibank that the charges immediately withdrawn from my card. The investigation is taking too long and I am not confident if the same will be resolved. I have called the customer service multiple times but not much information is received other than the case is being investigated.
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: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting act, 1. XXXX - XXXX XXXX XXXX ; 2. XXXX XXXX  XXXX XXXX 3. XXXX - XXXX  XXXX 4. XXXX - XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX  XXXX XXXX XXXX  8. XXXX XXXX XXXX - XX/XX/2022 9. XXXX  XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I recently looked at my credit report and noticed there were fraudulent accounts on my credit report. I have listed these accounts that I have 0 knowledge of and do not recognize these. I would truly appreciate that these are blocked and removed from my credit report. As I need to get approved to get into an apartment.
Consumer complaint received 2020-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I had an account with XXXX XXXX and then I got a refinance loan with XXXX XXXX at a cheaper rate. The car was paid off in the transaction. I paid the account as agreed on a monthly basis. The account was recently posted to Credit bureaus from XXXX? Why is this just now being viewable on my reports??? The dates are false. Its XXXX! Also they would repossess the car if I was to be 120 days late. They have caused my credit score to take a big hit while I was in the process of purchasing a home. The account details reported are listed below. I want restitution from this creditor and my credit reports updated with this information updated with payoff and in good status along with deletion of derogatory status. 

Status Date Reported XX/XX/XXXX????? 
Payment Status 120 Days Late * ( I was never late, Made Monthly payments ) Account Details Bureau Name XXXX XXXX Account Type Auto Loan Responsibility Individual Original Loan Amount {$27000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX This was paid off by new loan with cheaper rate. These dates are wrong Payment Details Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Term 72 Months Payment Frequency Monthly ( every month ) Lender Info XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Remarks Closed. ****It was paid off in a positive status and not late*******
Consumer complaint received 2019-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

Fed Loan Servicing added loans to my account for years I did not have a loan. I did not receive ANY loans while attending the University of XXXX from XXXX XXXX. Lastly I started the school at the end of the year which makes them look even more guilty cause XXXX loans would not be possible. Secondly I only used a loan for XXXX XXXX because I used my GI Bill and XXXX  veterans benefits during XXXX. Please make them remove these 2 fraudulent loans from my account. They did this because they thought Trump would pay for them because I am a XXXX veteran. Those 2 probably belong to an employee in XXXX or someone accepting bribes. Please have them remove those fake fraudulent XXXX loans from my account
Consumer complaint received 2023-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Synovus Bank (TN)

XXXX Dates letters sent XXXX XXXX, XX/XX/2023 XXXX Credit Amount : {$500.00} Sent letters stating this account is not mine, does not belong to me. No response
Consumer complaint received 2023-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Unable to get free annual credit report via annualcreditreport.com website. 

Attempted to get XXXX report online via the above-mentioned website, as required per Federal regulations. 

Received an error and was referred to XXXX via annualcreditrepot.com. XXXXXXXX referred me back to annualcreditreport. Annualcreditreport has no XXXX  mechanism to contact customer service and report a problem.
Consumer complaint received 2022-03-01
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. (CO)

I sent Experian a certified letter to dispute incorrect information on my credit report. I have not received a response stating that an investigation has even started. The information is inaccurate and needs to be corrected. 
They are reporting a payment status as " Current was past due 90 days '' This is an FCRA violation- and the status needs to be corrected to " current, or Pays account as agreed ''
Consumer complaint received 2020-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2020 I went online to the Quick Silver Capital One web to pay my account in full. The options were 1. pay the amount due 2. pay another amount 3. pay the full amount. I chose the option to pay the full amount, which was {$3400.00} that was paid through my bank account. The bill was not due until XX/XX/2020. Today I received a bill for {$49.00}. I called Capital One and was told this was interest accrued but was told repeatedly the {$49.00} was interest. Ultimately the concern is this company can repeatedly add additional interest accrued, Capital One is demonstrating Long Shark characteristics.
Consumer complaint received 2022-07-18
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. (CA)

I am disappointed to see the Credit Bureaus doing nothing to correct my Credit Report despite the multiple letters I have been sending requesting that the Credit Bureaus remove the disputed items from my Credit report. I am a victim of identity theft and the items I am disputing do not relate to any transactions that I have made or authorized. Neither did I received any benefits as a result of the theft of my identity. I informed the Credit Bureaus regarding my situation through the letters I have been sending them with complete attachments of my complete personal information and FTC 's ID THEFT REPORT. I have read that the Credit Bureaus are required to remove any accounts and information that the consumer considered asaan item resulting from the identity theft under the Fair Credit Reporting Act section 605b. But despite XXXX constant reminder of the significance of the FCRA to the Credit Bureaus, It is clear that the Credit Bureuas are not willing to coply with the Federal regulation. The Credit Bureaus have been non-cooperative since I started disputing my Credit File. The last letter I sent was in XX/XX/XXXX yet again emphasizing the FCRA section 605b. I ma submitting this complaint to remove the following items from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX WAY XXXX, CA XXXX XXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

Ive never missed one minimum payment on my credit card and after an entire year they charged me {$900.00} deferred interest in 1 month without telling me. Nowhere did it say they were going to do this or I would have worked harder to pay off the balance. Now my minimum payment has increased and I can not afford to pay the balance at all because they charged me XXXX as a deferred interest payment. This should be illegal and I refuse to pay this fee I would rather default on my loan then pay your {$900.00} deferred interest fee. I havent charged anything in that card for over a year I was just focused on paying it off.
Consumer complaint received 2019-09-15
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have excessive credit inquiry on my credit report I never signed or authorized I have called the companies also emailed them but no response. Some inquiries are back to back by the same company I also been involved in fraudulent charges to my credit and they put a fraud alert on my account
Consumer complaint received 2022-04-26
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 XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2019-09-14
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. (TX)

I am a victim of identity theft, and did not make the charge [ s ]. I never gave your companies authorization to pull my credit report. Because of this unauthorized pull, my credit score has dropped. In order to pull a consumers credit report you need permission to do that, and if you dont have it its a violation of the FCRA which carries fines. Please provide me with proof that I authorized your company to pull my credit report. If you cant send me this proof in 30 days, you must delete this inquiry at once. Please update, or remove any inquiries that is not reporting with 100 % accuracy.I have contacted the furnished who placed these inaccurate inquiries on my credit report. I asked them to provide me with proof that I gave them authorization to pull my credit report. As of today, they have not provided with the proof that is required. Because of that they had no permissible permission to pull my credit reports. 
After researching on the internet, it states a company needs authorization to pull a consumers credit report. This company did not have that authorization. They have violated the law, and I will hold them accountable. Because of their violations, Im asking your company to follow the law and delete these unauthorized inquiries Here are the inquiries : XXXX - Card Service Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX  XXXX Inquiry from XX/XX/2019 XXXX   XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 XXXX  XXXX XXXX-XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX   Inquiry from XX/XX/2019 XXXX  XXXX XXXX   Inquiry from XX/XX/2019 XXXX - XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX XXXX   Inquiry from XX/XX/2019 XXXX XXXX Inquiry from XX/XX/2019 XXXX XXXX XXXX Inquiry from XX/XX/2019 2019
Consumer complaint received 2022-03-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION (CA)

XXXX XXXX, I had asked my Mortgage provider, XXXX Bank, to exclude Owner 's title insurance ( which is stated as optional ) on XX/XX/XXXX. They replied saying they would speak with First American Title Company and exclude it. Neither the bank nor the First American Title Company never responded with any data or numbers as to what it would look like if they removed owner 's title insurance. I was communicating with the bank only all the time and the bank is partnering with the title company. 

Today is XX/XX/XXXX and we are now 3 days away from closing the home. Today, I was arm-twisted to buy owner 's title insurance by scaring me with the fact that if I don't buy owner 's title insurance, then : ( a ) my overall title charges will increase by {$3000.00} as the title company is bundling all together for a discounted rate and ( b ) that removing owner 's title insurance is going to delay my closing by 7 days. 
I had no choice but to go for it at this time. 

Also, today, XX/XX/XXXX, I had a very bad and insulting experience with one of the escrow assistants in First American Title company. 

I was not told about what would happen if I reject the owners title insurance policy ( which is optional ) by representing it with proper data and numbers, much before hand. I had asked this information around XXXX weeks back. 

Now, XX/XX/XXXX, I am around 3 days away from closing and I am called and I am being disturbed on my vacation with information like if I do not take the owners title insurance policy then its going to increase the overall rate by {$3000.00}. This is almost like twisting my arm, and trying to force me to take the owners title insurance policy without presenting the clear information and data to me much before hand. 

When I informed the escrow assistant that I feel insulted, there was no empathy or acknowledgment shown, rather there was a blank statement in response saying that OK we will include the owners title insurance policy. 

This practice needs to be addressed and made sure that all homeowners are treated and communicated properly. They should be treated with respect and dignity. 

The escrow assistants name is XXXX XXXX XXXX. 
My address is : XXXX XXXX, XXXX, CA XXXX Why would they do this to consumers? Why would the title charges increase by {$3000.00} if I try to deduct an owner 's title insurance by {$1200.00}? 


Regards, XXXX