davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been paying my auto loan for approximately 5 years my pay off date is XX/XX/2020. My payments are set for Auto and are paid monthly. Payoff is soon and now my payments for payoff are going up. Is this legal? and how can I stop the payoff going up?
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Someone has been using my identity without my permission. These accounts below are listed on my credit report that Have non knowledge of. I didn't apply for them so they shouldn't be on my report. 

1 ) XXXX XXXX -opened XX/XX/XXXX amount {$1000.00} 2 )  XXXX XXXX -opened XX/XX/XXXX amount {$1000.00} 3 ) XXXX XXXX XXXX -opened XX/XX/XXXX amount9 {$3100.00} 4 ) XXXX XXXX Opened XX/XX/XXXX amount {$1200.00} 5 ) XXXX XXXX XXXX   opened XX/XX/XXXX amount {$210.00}
Consumer complaint received 2022-07-26
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. (IL)

I'm really upset at how my credit report is being handled. I've sent out a couple of dispute letters to resolve my issue. I did not receive the signed contract I asked for from all three bureaus. Due to the FCRA, if the original contract is not produce the account must be deleted immediately. 
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 to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not famish an account without my written instructions
Consumer complaint received 2019-05-05
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. (FL)

This is primarily in regards to Both XXXX, Equifax and XXXX with specific focus on XXXX and EQUIFAX : I have unsuccessfuly been able to reach to ANY actionable results with XXXX over the course of the past two months as it relates to disputing inaccuracies and false information on my Credit Report. The same is True for Equifax. 

My last attempt with XXXX failed as every time I attempted online to find a way to dispute derogatory collections I was directed to " provide my credit card information '' without any explanation as to why or what is was going to be used for. So " Accessing '' my credit report through XXXX involves a forced " Payment Plan '' before even being able to " Dispute ''. 

Through many hours of research I finally got a customer service number to reach a " human being '' and guess what?, pretty much like Equifax, I was now speaking to a XXXX who was asking me for my Personal Social security Number. This was something I was not prepared to give out so willingly and had to ask several times if I was speaking to an American based office in which I was finally told " No ''. 

I went ahead to explain my issues and sought clarification as to why I was being asked to provide my credit card information through a XXXX portal without being given reasons as to what I was paying for and this rep danced around the question as expected. Now lets be clear, I only want to dispute the following on My XXXX : -Duplicate Amounts from the Same Collection Companies - The fact that said Accounts ( Medical ) were not mine - Inaccurate/Similar Names on my Credit report which are actually family members -Inaccurate/Incorrect Addresses and Places of Employ This was a very similar issue or issues with Equifax At the end of it, this person, who grilled me from the XXXX on behalf of XXXX and Received my social security number stated that Her Department can not handle said issue and she would need to " Transfer Me '' to another Department. WOW!!! 
Disbelief and utter shock. 
I was then transferred but NOW, I was speaking to an XXXX Gentleman with a very strong accent who proceeded to re-qualify me before I could even get to my issues. I refused and He stated that he will transfer me to His American Counterpart. 
Of course, this without giving me a direct number. Needless to say, that number was not operational at that time when transferred and NOTHING was resolved on my end. 
This is NOT the way American Companies are supposed to Treat American Citizens of Residents. This is NOT right.
Consumer complaint received 2019-07-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

From 2007 till now, it has been so difficult to get my servicer, which seems to change all the time, to lower my payments. When it is done, it is cancelled after sometime without notice, Instead I get pushed to apply for a forbearance, instead of just allowing me to continue to pay as I earn. Moneys taken out of income tax return is never seen on my account, no contact is made to let me know that money has been recieved. It is a mess. My credit is poor because of all the interests. I know I'm being mislead, and overcharged.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

I took out a XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Barclays. When I had difficulty working with the website to pay my bill, I sought help via their customer service phone number. They couldn't help me with my password or user name. They couldn't help me access the account. So, I told them I wanted to cancel the account since it was difficult to use/manage and asked for the outstanding balance of {$180.00}, which I paid, over the phone, on XX/XX/2022. ( BTW, I pay all my bills and do all by banking online. I know how to use these systems, but theirs just doesn't work. ) Then, on XX/XX/XXXX I received an email saying that I was behind in my payments. 

I contacted them by phone on XX/XX/XXXX. They told me I had a balance of {$9.00}. This balance was due to an interest charge of {$1.00} on the final balance I had paid off when I cancelled the account on XX/XX/2022. In the intervening months, late fees and interest charges accrued totally {$9.00}. 

I don't think I should have to pay these late charges or interest. Maybe I do need to pay the {$1.00}. But even if I pay the entire balance, how do I know this will end? I could pay the entire {$9.00} right now only to find in a few months that I owe them another {$20.00} for interests and late fees they charged on the {$9.00} balance. 

The account is closed. I have no access to it. They have sent me no paper bills, but even if I pay the bills, then they just charge me interest on the previous balance. It never ends. 

I tried to get the charges removed by calling the customer care people. Three people put me on hold, then after several minutes, they hung up on me ( while I was on hold ). The customer service people seem to mean well, but the system is rigged to keep robbing you even after you close the account and pay of the balance since they charge you interest on whatever balance you had when you paid it off to close the account. 

No one will help me. All I get are some XXXX people at a call center in XXXX, but they can't do anything. They told me to call the number on the back of the card but I threw away the card when I cancelled the account and none of them can give me the number I need to call. 

It's hard not to think XXXX is just running a scam. Does XXXX know about this?
Consumer complaint received 2021-05-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (LA)

Reached out to the companies to try and get them to delete said debts off of my credit reports as they were not authorized by me to report anything to my credit reports. I did not sign any contracts nor do I owe any debts to this company. 


ERC- {$150.00}
Consumer complaint received 2021-07-21
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: Bridgecrest Acceptance Corporation (GA)

XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXXS CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BALANCE OF {$130.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX CLOSED ON XXXX XXXX XXXX XXXX CONTROL ORIGINAL CREDITOR : XXXX XXXX XXXX  CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX BALANCE OF {$110.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- BRIDGECREST XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX BALANCE OF {$18000.00} To whom it XXXX concern : I have been contacted by your company about a debt you allege I owe. 
I am instructing you not to contact me any further in connection with this debt. 
Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. 

Please reinvestigate this matter to have them [ delete or correct ] the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on [ identify disputed item, creditors name and whether it is a credit account, court judgment, etc. ] is [ inaccurate or incomplete ] I am requesting that the item be removed [ or corrected ] immediately. 
Enclosed will be a copy of my police report pertaining to the item supporting my position.
Consumer complaint received 2018-05-11
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CT)

On XX/XX/XXXX I noticed a fraudulent charge on my account and a on XX/XX/XXXX There were 2 {$20.00} charges and a {$240.00} charge. I got the {$40.00} but I am waiting for the rest
Consumer complaint received 2022-10-14
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. (WI)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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. 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, other than records of convictions or 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 in accurate.
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc. (NY)

Creditor is attempting to collect on an alleged debt that has past the debt statute of libation for residents of NY which is three years. I have attempted to request validation as per USC 15 1692g and notice of expired debt was sent but this creditor refused to cooperate with any of my requests. This creditor continues to violate my rights as a consumer and needs to take responsibility for their actions.
Consumer complaint received 2017-07-20
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My husband and I sent a letter to the credit bureaus XXXX XXXX 2017 asking them to investigate numerous issues we had on our reports. They responded to my husband but sent nothing about me, even though my information was in the same letter!
Consumer complaint received 2021-05-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Army and Air Force Exchange Service (MA)

I got out of the military in XXXX, at the time I had a military star card from AFEES. The debt went into collections and they have taken my tax refunds every year since including the most recent third stimulus payment. I just called them and my original debt was XXXX and now 12 years later after taking i would guess XXXX worth of tax refunds they said the balance is now XXXX and that the money they have garnished did not even cover the interest. I know this is a federal debt according to them, but is there anything I am able to do? Does the statue of limitations apply? I saw that in XXXX there was a class action lawsuit in California for this reason and the group suing won because the statute of limitations had been passed long ago.
Consumer complaint received 2022-07-26
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. (FL)

In accordance with the Fair Credit Reporting Act 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 instruction.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion I have applied several times for a credit card offer from XXXX XXXX bank. I was rejected the first time because I was unable to lift the freeze on my credit report because TransUnion had suspended my account because they claimed they could not verify my information. I followed steps to have my information verified and by filling out forms was able to regain access to some sort of account at TransUnion. 
After getting the same credit card offer in the in the mail from XXXX XXXX bank I reapplied. I called Transunion and was able to get a temporary lift of the credit report freeze. 
XXXX XXXX attempted to access my credit report again today and I do not know if they were successful. I received a text and an email from TransUnion informing me that I needed to authorize this inquiry by logging into their True Identity product. I was unable to log into the TransUnion product XXXX XXXX as my TransUnion log in is not valid for that TransUnion product, but somehow I have access to this product via another credit card company. I was able to log in to XXXX  XXXX using those credentials but there was nowhere to authorize the XXXX XXXX inquiry that I was told to authorize. I did, however, see from this session that as a result of all this messing around in TransUnion, TransUnion decided my credit score should be dropped by 7 points. And as far as I know I have no way of authorizing XXXX inquiry so that I can do something as simple as obtaining a credit card My complaint against TransUnion is that their web site is intentionally confusing so they can pressure consumers into buying additional products. I also believe TransUnion is intentionally making it as difficult as possible for consumers to easily manage the protection of their credit information via a freeze so that TransUnion can dispense with the whole mechanism of freezing credit information. Why would I go through the considerable trouble of unfreezing my credit if I was not expecting an inquiry and therefore why does TransUnion need me to authorize an credit inquiry from a legitimate bank? And why would I need numerous different log in credentials if not to make it more difficult to manage my credit information protection. 
My second complaint is that TransUnion is lowering my credit score because of TransUnions anti-consumer policies is a form of retaliation for actually making them respond to the needs of a consumer. It was obviously not a human decision but is something built into their scoring algorithms. 
Thank you for considering this complaint about a credit reporting agency. I am glad that there is now a federal agency finally looking into this industry.
Consumer complaint received 2022-07-26
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)

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2018-05-11
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. (OH)

I filled a dispute with EXPERIAN, regarding that an account that is showing on my credit report that I did not authorized to be open. 
The account is : XXXX XXXX - XXXX XXXX, and EXPERIAN came back saying this is a valid account, but did not provide of Affidavit of Debt or documentation that I actually opened the account. The other 2 credit reporting bureaus removed the account because they were able to verify that this was not my account.
Consumer complaint received 2023-02-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Global Credit Union (AK)

On XX/XX/2023 I was denied credit twice by Alaska USA Federal Credit Union for reasons other than a credit based, ability to afford and/or ability to repay a loan. We were given inconsistent reasons for the denial. I do not believe they are being truthful or honest in how this situation was handled. Please see my attached statement.
Consumer complaint received 2017-07-21
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. (NE)

I was the victim of Identity theft for a period of 5 years there were many accounts opened and many inquiries that I did not authorize. I have reached out to the credit bureaus who referred me to the company who pulled the report. After trying to resolve this with the companies directly unsuccessfully, I reported the Identity Theft. I rarely use credit and to this date only have 3 authorized credit accounts. Now that I need to use my credit to guarantee a business loan for the XXXX XXXX I own, I can not due to the negative information that is in my file that was not done by me. One of these inquiries resulted in an account being opened with XXXX XXXX XXXX. XXXX XXXX XXXX  has already removed the account from my file due to the fraudulent activity.
Consumer complaint received 2022-12-15
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: CITIBANK, N.A. (RI)

I had an XXXX dollar balance with AMEX/CBNA they have had me showing a balance since XXXX when closed account. But never realized this and its XXXX dollars. 

I just paid this but would like the XXXX dollars removed from my history as delinquent as did not have or was not given notification had this balance. 

There is no reason should have had this on my credit report. Its absolutely erroneous and needs to be removed as negative impact. 


Credit usage 2 % Balance {$8.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Credit Card Payment summary 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 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
Consumer complaint received 2019-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (OH)

All equipment was returned via XXXX on XX/XX/XXXX to XXXX XXXX XXXX and confirmation was made that equipment was received on XX/XX/XXXX and the XXXX reference #  XXXX XXXX XXXX XXXX was contacted DATE/TIME : XXXX XXXX Reference Number : XXXX in regards to this and I was told that XXXX : I was able to confirm that it was already returned. 
XXXX : On XX/XX/XXXX. 
XXXX : Please expect the refund within 1-2 billing cycles. 

DATE/TIME : XXXX XXXX and the Reference Number of the chat is : XXXX
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (NC)

Requested Chase to lower my % rate. Have been good customer for over 9 years. Never missed or late payment with Chase. I have viewed XXXX ( XXXX ) Chase customer credit card statements. These friends of mine have a credit score equal to or less than my credit score. They make less money, they have been with Chase a much shorter period of years. My % is 29.99 with Chase, which is Very High. All of my XXXX Friends have % rate between 23.99 % -16.99 %. I have send many emails, and spoke to employee of Chase about this problems/issues. The only difference that is Displayed is that I am XXXX. And Chase is Racially discrimination against Me and any other XXXX customer that Chase can identify. Chase has Racially Profile me, and are charging my credit card account a higher % rate based on that decision.JP Morgan Chase employee practice these policy regularly.