davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-14
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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (CA)

Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a late payment reported by Santander Consumer USA account # XXXX. 

I want you to know that I understand my financial obligations, and if it werent for Santander Consumer USA, Id have an excellent repayment record. I have been a satisfied customer of XXXX since XX/XX/2016. Their outstanding customer service is the reason Ive remained a loyal customer, and Ive always considered it a priority to make all payments on time by setting automatic payments. Unfortunately, I was not aware that XXXX had been bought out by Santander Consumer USA, due to being on military travel orders. I had no access to information about this transition as military members had no contact privileges while on training mission.Upon return from my training, I was notified of the transition and the late payment.I made it certain to pay my dues immediately upon notification. I am concerned about the repercussions of this occurrence as it has an impact on my credit score and hope that my consistency with all my previous payments is enough to prove my reliability. Your records will show that I had never been late with a payment until this unfortunate oversight, and I have been prompt with my payment since the situation was brought to my attention. 

I am planning to apply for Veterans Mortgage Loan and it has come to my attention that the missed payment on my record could impact my ability to qualify. I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. 

Thank you very much for your consideration,
Consumer complaint received 2017-06-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (VA)

We have had a checking account wi  th BB & T since 2015. We have a direct deposit monthly into the account from salary. Ever since then we have had numerous overdraft charges and fees over the last several months.
The most recent charges are being described below because the bank has refused to provide any recompense, amendments or assistance to prevent this from happening.
We were charged {$180.00} in overdraft last month and another {$390.00} this month. Overdrafts were charged for purchases when there was enough money to cover those items at the time. When we enquired about this, the bank said that there 's nothing they can do and that because the transaction went through at a later date there was n't enough money in the bank and we were charged overdraft. However, this was not evident in my account statement online. They said the only way for me to keep track was to write every item that I bought down and deduct it from my account.
This bank and its employees showed no care or effort in addressing the issue or customers. We are really hoping this could be resolved and get refund back for these we were wrongfully charged for by BB & T bank.
Consumer complaint received 2022-07-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc. (MD)

Myself and my Girlfriend got a XXXX XXXX XXXX XXXX suv financed on XX/XX/XXXX. The dealership was XXXX and the bank that they got us approved with and financed with is CPS ( Consumer Portfolio Services , Inc. ) based in California. The " Amount Financed '' is {$18000.00}. The " Finance Charge '' is {$15000.00}. With 22.25 % APR/INTREST. Monthly payment for 72 months is {$470.00}. My girlfriend is the Primary Vehicle owner and I am the co signer/owner so we used her XXXX Credit to get approved. But what I've looked into is that is this is called a Predatory Loan? And yeah they definitely didn't run by everything with us and just had just sign our name on an XXXX and tap everywhere to sign everything and just kept scrolling so we couldn't even read what was in the contract. I called the dealership afterwards and asked them why everything was priced so high and they said " Its just what the bank approved '' so then I called the bank then they said " Your APR/INTREST & Finance charges have to do with the dealership so call them. ". So neither of them gave me an answer or solution.
Consumer complaint received 2022-07-10
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 (CA)

The Undersigned having full control of Trust revokes all permissions to the Government and/or any political subdivisions/Organizations to use copyrighted TRUST name XXXX XXXX XXXX or trust in any fashion excep1 by explicit written request/order in direction otherwise. Said name belongs to Trust in operation by trustees wherein the government/agencies thereof have no control as Trustee/Secured Party/Bailee having full mental capacity and ability to contract as well as natural right to trust holds a common-law trade-name, trademark, XXXX XXXX XXXX as authorized representative ( Attorney-In-Fact ), as well as established validity of the Power of Attorney by continual non-contested use. The Private Offset Account established in the name of TRUST is the property of TRUST as well as any value that has been deposited in Private Offset Account is the property of TRUST, as any such value was created from the credit thereof. Account will remain in effect with appointment of fiduciary by Form XXXX. 

The Placing of an Unlawful or Improper XXXX, XXXX, Impoundment, or Garnishment against any funds, bank accounts, savings, accounts, XXXX! XXXX funds, investment funds, social security funds, intellectual property, or any other property belonging to the XXXX XXXX by any agency :
Consumer complaint received 2022-03-11
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)

My updated credit report from Equifax was reporting of a inquiry that is not connected to me. The inquiry posted should not be on my report because I have neither inquired nor reached out to this inquiry. If Equifax has made an extensive investigation about this, they should have removed all this inquiry. However, they have not their duties of either confirming the item and/or reaching out to me to notify. Here is the list of the unauthorized inquiry : XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2018-09-14
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. (TN)

I purchased a XXXX XXXX from XXXX XXXX also known as XXXX XXXX XXXX on XX/XX/XXXX. I specifically instructed them to use XXXX because I already had a line of credit with XXXX. Instead of doing as I requested they send several different companies my credit reports and scores without my consent. Once again I specified XXXX only. I checked my hard inquiries and Transunion shows one hard inquiry against me that I do not recognize. It states : XXXX To Inquiry from XX/XX/XXXX Automotive This inquiry could stay on your report untilXX/XX/XXXX. 


See an error? 
Find out how to dispute a hard inquiry Institution Information XX/XX/XXXX To XXXX, TN XXXX ( XXXX ) XXXX " I have tried contacting this number and it says the number has been disconnected or is no longer in service. '' I want to know why XXXX XXXX sent inquiries to companies without my permission because I stated XX/XX/XXXX only. This one inquiry isn't even legit because I can't contact them and by law I am lawfully given the right to contact or have an address and phone number. Thank you and I hope you can help me. These hard inquiries stay on my credit reports for up to 2 years, which drops my credit score with each hard inquiry. 

XXXX Inquiry from XX/XX/XXXX- Finance This inquiry could stay on your report untilXX/XX/XXXX. 


See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX   XXXX, TX XXXX ( XXXX ) XXXX " This is XXXX  XXXX, which I would never do any business with them ever. '' I did call them and was told XXXX XXXX could have this removed from my credit reports by sending them a letter stating it was by mistake. Also no information is given on this report or inquiry. 

XXXX XXXX, XXXX Inquiry from XX/XX/XXXX- Automobile Dealers, New This inquiry could stay on your report until XX/XX/XXXX. 

See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. This dealer goes by the name : XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX!!! I also received a letter today XX/XX/XXXX from XX/XX/XXXX XXXX XXXX   with a hard inquiry from XXXX ! I did not give consent or did not want financing from XXXX  XXXX XXXX, specified XXXX only. That should have been the only financial institution used to finance the XXXX.
Consumer complaint received 2022-07-10
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. (SC)

In accordance with the Fair Credit Reporting Act the accounts listed below has violated my rights : XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-10
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. (SC)

In accordance with the Fair Credit Reporting Act the accounts listed below has violated my rights : XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX 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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-10
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. (VA)

Requested credit reporting to investigate account on my report and they did not notify me of investigation results. I sent letters on XX/XX/XXXX and again XX/XX/XXXX and again on XX/XX/XXXX. XXXX sent me a letter about my identification and I sent that in again and still no response. I also reached out to the company listed on my report and got no response into XXXX and with that they violated my hippa and still did not verified that the account in fact was mine. I sent another letter to the credit bureaus and still no response.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL (CA)

I applied for a Guitar Center Credit Card XXXX XXXX XXXX XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX and Syncrony, XXXX XXXX / Syncrony Financial processed the credit application. 

I was denied credit based upon " Address of record did not match .... '' Yet I was denied because I wrote home address `` Drive '' on the Guitar Center credit application and not dr or DR . 
Syncrony, XXXX XXXX  /Syncrony financial ( processed & delivered ) to guitar center XXXX XXXX , California a ( defective / flawed ) credit report. 
-Map of my home address attached - My credit scores are attached. 
I spoke with XXXX, a customer service agent with XXXX. 
on Thursday XX/XX/2018 between XXXX and XXXX XXXX time to inquiry specifically about acceptable vs. non-acceptable ABBREVIATION ( s ) on FICO applications and documents, that might or could affect or have a impact on a credit report. 
" It is outside of FICO scoring ", DENIAL OF CREDIT FOR USE OF AN ABBREVIATION, AS PART OF MY HOME ADDRESS IS OUTSIDE OF THE " score ' AND FICO SCORING. " formula " It is my position Syncrony, XXXX XXXX /Syncrony financial did not deliver a Factual " FICO CREDIT REPORT and any and all documentation sent to Guitar Center are defective & flawed, and not a accurate or true reflection OR representation of my current Credit or Factual Credit History, on file with : XXXX , XXXX and XXXX References, U.S . Department of Commerce California Chamber of Commerce, Utah Department of Commerce and other State & federal, CALIFORNIA & UTAH, regulatory agencies. ( drive ; dr dr. acceptable substitutions for `` Drive " ) United States Postal Service It seems like the logic of Syncrony is you can NOT use the root form of the word ONLY THE substituted?

Syncrony is thus, in my opinion operating, delivering a product " predictive analytics, or opinion outside of accepted FICO Fair Isaac Corporation, protocols.

- attachment MAP of my home address -attachments XXXX XXXX 2018 snapshots. 

Under penalty of perjury the above statements are true and accurate. 
signed :
Consumer complaint received 2018-09-14
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. (NC)

Fraudulent account : XXXX XXXX XXXX. 
# XXXX XX/XX/XXXX18 Fraudulent inquires : XXXX XXXX /XXXX XXXX/XXXX/XXXX XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX XXXX.
Consumer complaint received 2022-07-10
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. (VA)

Requested credit reporting to investigate account on my report and they did not notify me of investigation results. I sent letters on XX/XX/XXXX and again XX/XX/XXXX and again on XX/XX/XXXX. XXXX sent me a letter about my identification and I sent that in again and still no response. I also reached out to the company listed on my report and got no response into XXXX and with that they violated my hippa and still did not verified that the account in fact was mine. I sent another letter to the credit bureaus and still no response.
Consumer complaint received 2022-03-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I called and requested a payment extension. I was told if I got a payment extension this would keep the account from being reported as delinquent. I agreed to the extension and I paid the agreed payment on XX/XX/XXXX. On XX/XX/XXXX I received an alert that my account has been reported delinquent by Capital One. When I called their rep. I was told I would have to file a dispute. I was never told that my account would be reported as late I was told if I made and kept the payment extension my account wouldnt be reported as late. My credit score went down 60 points because of this issue
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX To whom it may concern you have violated my rights under the FCRA. 

XXXX. 

PAY STATUS : SHOULD HAVE 30 DAYS BUT DOES NOT. 

REMARKS : SHOULD HAVE NOTICE OF DISPUTE BUT DOES NOT. 

LAST PAYMENT : NOT VERIFIED CAUSE {$0.00} not any money or change its fake information I NEVER PAID : ON XXXX XXXX XXXX XXXXXXXX I NEVER PAID : ON XX/XX/XXXX & {$0.00} IS NOT ANY MONEY THIS IS FAKE INFORMATION LAST PAYMENT : MADE FAKE NO DOCUMENTS & I DONT WANT TO VERIFY DATE CLOSED : XX/XX/XXXX IS CRAZY CAUSE HOW YOU RECEIVE A PAYMENT ON CLOSED ACCOUNT. 

7 YEARS OVER STATUTE OF LIGATIONS : AFTER 7 YEARS A FILE SUPOSE TO LEAVE A CONSUMER CREDIT REPORT & THIS ACCOUNT IS REPORTING OVER 10 YEARS. 

XXXX XXXXXXXX 7 YEARS OVER STATUTE OF LIGATIONS : AFTER 7 YEARS A FILE SUPOSE TO LEAVE A CONSUMER CREDIT REPORT & THIS ACCOUNT IS REPORTING OVER 10 YEARS. 

LAST PAYMENT : XX/XX/XXXX. ( {$0.00} ) IS INCORRECT INFORMATION ON MY REPORT DATE CLOSED XXXX. HOW YOU GET A PAYMENT FROM ME WITH THIS ACCOUNT BEING CLOSED BEFORE A PAYMENT. 

PAST DUE : SHOULD NOT BE THERE BECAUSE THE ACCOUNT IS CLOSED
Consumer complaint received 2024-03-21
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Bright Capital Inc (NJ)

Subject : Urgent Request for Assistance in Recovering Funds from Bright Money Loan Account Dear Consumer Finance Protection Bureau, I am writing to seek your assistance in resolving a concerning issue regarding my loan account with Bright Money. As a borrower, I have been diligently making timely payments to my Bright Money account, ensuring that my debts are being paid off. However, I recently encountered an unexpected situation that has left me in distress and in need of immediate support. 

On XX/XX/XXXX, I received a notification from my bank account regarding a purchase of {$5000.00} made on my debit card by Bright Money. Alarmed by this transaction, I promptly contacted Bright Money to address the issue. I provided all the necessary information to verify my account on four separate occasions, starting from Monday, XX/XX/2024, when the charge was initially made and pending, up until the present date of XX/XX/2024. 

Regrettably, each representative I spoke with informed me that the only payment they could locate on my account was the last payment I made on XX/XX/2024, amounting to {$440.00}. Despite my persistent efforts to provide evidence, such as screenshots showing the deducted funds from my bank account, I have not received a satisfactory response or resolution to this matter. One email I received on XX/XX/2024, stated, " Please be informed we couldn't see any transactions in your Bright account to refund the funds. '' The loss of this substantial amount of money is not only financially burdensome, but also deeply affecting me emotionally. I had diligently saved up this money with the intention of paying off my bills, and this situation has caused significant distress and XXXX  Therefore, I kindly request your intervention and support in facilitating the recovery of my funds from Bright Money. I also opened up a claim with my bank account for this matter. I kindly asked that Bright Money place my account on hold suspending all future transactions so I wont be charged every month for money I currently dont have.. 

I would greatly appreciate any assistance you can provide in expediting a resolution to this matter. Please let me know if there are any additional steps or information required from my end to further assist with the investigation. Thank you for your attention to this urgent matter, and I look forward to your response. 

Sincerely, XXXX
Consumer complaint received 2022-07-10
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. (OH)

In accordance with the Fair Credit Reporting act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX  Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency maty 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 ) Section : States 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 2022-03-11
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. (SC)

In accordance with the Fair Credit Reporting Act US DEPT OF XXXX Account # XXXX, XXXX XXXX OF XXXX Account # XXXX, XXXX XXXX OF XXXX Account # XXXX, XXXX XXXX OF XXXX Account # 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 a account without my written instructions.