davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (TX)

I am writing because I and co signer XXXX  XXXX XXXX being XXXX  for a fraudulent loan with Exeter XXXX. They creditor is causing me less than equitable opportunity to dispute the agreement with has violated the XXXX as well as XXXX. I have filed for arbitration with XXXX  ( case number XXXX ) and have sent the company notice via certified mail. They are continuing to threaten my ability to obtain a job to survive and raise my family, which is threatening my housing and stability. Due to this unfair reporting that we have a balance owing that is currently in dispute and that payments are late. The vehicle is not in working condition as I demanded the pre sales inspection documents, none of the defects were listed. They include but are limited to collapsed motor mounts, PVC valves, etc.. which has further impacted my ability to perform in my independent business ventures. And seek employment, which I have been deemed ineligible due to this unauthorized use of my credit profile. I do not consent and was not given the Gramm-Leach Biley Act as I am just learning that I can decline this intrusive violation of my privacy. I was not given a recession document which is required by federal law. I was told that I was pre-approved for XXXX and when signing the retail agreement asked why there was an additional XXXX on the balance. I was told that it was a warranty, I asked " was this a condition of my approval since I was only offered XXXX '' the finance rep replied " yes, it is. '' I later found that he lied to us during finance transaction. I wrote the XXXX XXXX XXXX to complain. I was put on the phone with his superior in finance and he made light of this unlawful transaction and violation of my consumer rights. As he tried to explain the charges to me since I was unable to make an informed decision. We also gave a cash down payment on what was to be a credit transaction. We were not given a signed retail agreement at the time of transaction, it was unsigned and in an envelope. I had to write the XXXX  XXXX XXXX to get a copy a month later when I was reviewing the agreement again for more fraud. We both were also given XXXX denials letters from varies creditors, when I gave no permission or signed no XXXX form authorizes my XXXX to be given. Which is identity theft, we did not consent to this as we were told I was pre approved. I would like Exeter to remove themselves from the XXXX XXXX XXXX, as I have sought remedy through administrative process from this unfair and abusive agreement, the was unclear and falsely marketed. Due to this I have had my consumer right violated, by means of TILA, DTPA, FCRA. I want the title to the vehicle in my name and any POA given revoked. I have many more emails trying to work with dealership in finding clarity in the agreement as all I see is clear violations of my rights.
Consumer complaint received 2023-01-04
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: Experian Information Solutions Inc. (CA)

I filed a complaint and asked that the negative items on my report be removed due to enormous amounts of inaccuracy 's and the fact that upon writing the courts to ask why they would have verified incorrect information about a bankruptcy they told me that thats not possible because they dont ever verify any information and there fore they are getting wrong information from a third party and are not sharing the way it was verified thats whats wrong with using information from a third party and
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (CA)

Citibank discontinued sending statements to me and without notifying me charged my Citi XXXX XXXX XXXX XXXX credit card for their Citi credit monitoring service. I was not using this card for purchases and they began charging my card without notifying me for $ XXXX/mo and accumulating late fees. They discontinued sending statements in XXXX. I only became aware of this in XXXX as a Citibank VP send me a threatening letter that I owed XXXX and if unpaid it would go to collections. 
When I called the outstanding balance since XXXX had become XXXX I paid immediately. I've been a customer since XX/XX/XXXX. I have no debt -- I pay 2 mortgages always on time. I've excellent credit -- yet they managed to trash my credit standing. This is why Americans have lost all trust in banks and their predatory behavior. I'm XXXX and very busy maintaining my obligations. 
This bank never communicated with me about any of this. Last week I received all my statements since XXXX from them. Since I was not using this card for purchases they devised a technique to collect late fees. 
I have worked hard to maintain my good credit standing. Citibank is sabotaging my credit scores. This is both predatory and elder abusive.

Not once did they contact me. If my Citi credit monitoring is not paid why then was the service continued. They had no authority to charge my credit card for these amounts if unpaid for -- so this is another issue. They had no right to report my account to the credit bureaus without contacting me. If they abuse customer like myself -- no debt, always pay my obligations on time -- which I have many years of record to show, imagine what abuse they must render to people that are struggling. 
For me their behavior is unquestionably criminal. They are a criminal and amoral organization. This is not how America use to be. This is the new America -- take advantage of the normal working guy.
Consumer complaint received 2023-01-04
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. (WA)

In accordance with the Fair Credit Reporting act XXXX  XXXX Acct # : XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX  Acct # : XXXX XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX Acct # : XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # : 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
Consumer complaint received 2019-04-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (OH)

I have a loan with one main financial XXXX XXXX XXXX. XXXX oh XXXX my monthly payment is XXXX due on the XXXX of each month. they tried to take my XX/XX/XXXX payment out early and put me in insuffient funds. my credit union XXXX XXXX charged me XXXX XXXX XXXX. when I called branch manager at one main XXXX XXXX she apologized and told me she would return my XXXX. I went ahead and made a payment on line for XXXX $ on XX/XX/XXXX and then they went into my account again and took out XXXX.they double dipped.i have had problems before and they assured me everything was fine.XXXX even told me they would not debit my account twice but they did. these people can not be trusted.i will never do business with them again
Consumer complaint received 2023-08-02
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America, in over 17 years - 2006 to present has done the following. Failure to provide proper XXXX interest deductions while committing tax fraud. Resolved by court decision. Paying down {$31000.00} in principal reduction in 17 years while paying over {$300000.00} in mortgage payments. Failure to allow fully amortized payments. Did not take the initiative to resolve the problem. Servicing a loan which they could not legally sell. Changed vital information on mortgage statements. Failed to return overpayment upon request. Usurped " or more '' provision. Failed to acknowledge ownership of note. Each monthly statement has four payment options. B of A has control over options to offer or deny that always favor the bank, taking advantage of XXXX XXXX XXXX XXXX XXXX customers.
Consumer complaint received 2019-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (WI)

Navient I submitted my income based repayment paperwork for Navient after they stated they didnt receive all of it. Once i did so, I received an email at XXXX that same day stating that my paperwork was revived. The young lady I spoke with stated that she would would move my payment date to XX/XX/XXXX to ensure that the paperwork had been completed she on XXXX end. Fast forward til today, Ive been charged {$850.00} dollars XX/XX/2019. I cant pay my rent or electrical bill. Whose gon na help me?
Consumer complaint received 2019-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

This is a follow-up to a complaint previously submitted to the CFPB. This complaint is being submitted simultaneously to the CFPB and to the XXXX XXXX XXXX via XXXX. 

Navient 's response to my complaint is misleading and ignores critical facts, as set forth below. 

I submitted to Navient the request to enroll my new bank account in AutoPay on XX/XX/XXXX ( See Ex. D, attached ), confirmed by Navients XX/XX/XXXX email to me. ( This email serves as confirmation of your request to enroll the loans below in Auto Pay. ) My old bank account had been enrolled continually in AutoPay for more than sixteen years up to that date. Navient had ample time between XX/XX/XXXX, when I submitted this information, and XX/XX/XXXX, to finalize [ ] the enrollment. 

Indeed, as Navients XXXX email to me shows, this was Navients expectation, since that email explicitly stated that the Estimated Start Date for the new AutoPay arrangement was XXXXthe same day as the next payment due date. I reasonably relied on the representations in Navients XXXX XXXX email, and expected that the AutoPay payment would be made from the new account on XX/XX/XXXX. 

Navient says that it was unable to extract my XXXX. XXXX, XXXX payment from my new bank, but gives no excuse why this was so, twenty days after Navient acknowledges I had furnished it with the information necessary for it take the payment. 

Any consequence of Navients unexcused delay in setting up AutoPaya delay Navient never bothered to report to memust fall upon Navient. Put another way, Navients statement that the account must be current is misleading. If the account was not current, it was because of Navients failure to timely set up AutoPay for the new bank when it had been given 20 days to do so. ( My mortgage servicer, to give one example, was able to activate my autopay capability with the same new bank within 24 hours of my request. ) At no time did Navient advise me that there was any difficulty in setting up the new AutoPay arrangements. 

Accordingly, the putative Administrative Forebearance was unlawfully imposed. I do not owe it, nor do I owe any expenses that flow from it. The arguments that Navient makes in its response about capitalizing interest, since they ignore Navients own responsibility for the delay in setting up AutoPay, are irrelevant. 

It also follows from these facts that my account was never past due, as Navient asserts. 

Even if these facts were not dispositive ( they are ), Navient also assured me through its customer service representative, on a recorded line, that my XX/XX/XXXX payment would constitute timely payment for XXXX, and that my monthly payment going forward would be readjusted to the proper {$230.00}. Navients failure to honor this commitment would, on its own, constitute an unlawful unfair, deceptive, or abusive act under Sections 1031 and 1036 of the Dodd-Frank Act. I invite Navient to review the recording, and the law.
Consumer complaint received 2022-11-06
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: EQUIFAX, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. The inquiry was not authorized XXXXI Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. Validate account XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX account XXXX Account Number : XXXX Please remove it from my credit report
Consumer complaint received 2018-09-07
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (IL)

The cfpb is currently suing your company/respresented company. Per a consent order filed, all collection activity must stop and all funds must be held in an escrow account until a settlement is reached. As of XX/XX/XXXX, a wage disbursement order was faxed over to my employer XXXX XXXX, requesting that funds be withdrawn from my paycheck and mailed directly to your company. I have no been notified of any settlement reached. If none has been, then this is a violation of the cosent order in place.
Consumer complaint received 2023-05-07
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. (MD)

In accordance with the fair credit reporting act XXXX XXXX account, # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (VA)

Citi Bank approved a Flex loan for me via my AT & T Universal Credit Card issued by Citi. The funds were approved and wired to my bank XXXX, but to a wrong account which Citi failed to disclose to my bank or myself in XX/XX/XXXX. 

After many telephone calls, conference calls and requests by XXXX and myself to Citi personnel, the funds were located and transmitted to my account on XX/XX/XXXX. I was told by Citi on XXXX XXXX that the payments due for XX/XX/XXXX and XX/XX/XXXX would not be posted as late and there would be no negative reporting to my credit report. On XX/XX/XXXX XXXX  alerted me to a XXXX point drop of my credit. From XXXX to XXXX. I immediately called Citi who assured me this would not happen and of course they danced and gave excuses. 

I have escalated this to the CEO of Citi with no response. It has been recently reported Citi has sent money to wrong account as a result of bad IT systems. It is reported this week they sent {$900.00} XXXX in error to wrong accounts forcing their CEO to retire early.
Consumer complaint received 2019-04-13
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. (GA)

When you go online to Equifax and try and file a dispute - the online application closes abruptly and then an error message says can not process at this time. This happens all the time and has happened since I fired them as my monitoring service. 

The XXXX, GA address is not my address - that is the dispute
Consumer complaint received 2019-04-13
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. (WA)

Transunion has reported to XXXX XXXX  and XXXX XXXX that I had 9 hard inquiries in XXXX or this year. I have spent over 6 hours on the phone with them in countries all over the world telling them to stop reporting falsely that I had ANY inquiries in XX/XX/2019. They have removed the information twice and re added the false inquiries twice. They are extremely rude and refuse to hear me out. They repeat over and over we don't do that. They do and they did they dropped my rating because of it and so did XXXX by 54 points. I want them to stop badgering consumers by telling them to stop the inquiries or they wont get their credit fixed.
Consumer complaint received 2022-12-29
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. (PA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-04-13
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. (ID)

On XX/XX/2019, I asked my bank ( XXXX XXXX ) to obtain a credit report as part of an application for a mortgage loan. Three companies reported : XXXX, TransUnion, and XXXX. Both XXXX and TransUnion referenced several Creditor accounts that were incorrect, that is, the Creditor information was not mine but actually belonged to another person. XXXX  information was mostly correct. I contacted TransUnion to dispute the incorrect information. After two calls, a TransUnion representative took my complaint and initiated the steps to remove the incorrect information. I was not successful in contacting XXXX   either by internet or phone call to rectify the report. I have three fundamental concerns : ( 1 ) how and why was incorrect information added to my identity, ( 2 ) why are credit-rating companies like XXXX and TransUnion permitted access to my personal financial information and have such incompetence in ensuring that the information is correct, ( 3 ) why do financial institutions like XXXX XXXX rely on credit-rating reports when the reports may have inaccuracies? It seems that persons like me are the ones who have to rectify credit-rating problems created by the incompetence of companies like XXXX and TransUnion. My suspicion regarding concern ( 1 ) is that the credit-rating companies are not using a complete set of personal information when they obtain financial information : namely, complete 9-digit social security numbers, current addresses, and birth dates, all correlated to an account held by a person. The incompetence of companies like XXXX  and TransUnion places a terrible burden of proof on the financial status of US citizens. Why are such companies not appropriately regulated by the Federal Government?
Consumer complaint received 2019-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTIONS USA, INC. (AZ)

When I moved out of my apartment in XXXX XXXX XXXX in XXXX Arizona on XX/XX/16. At the time, I signed a document stating that I was closing out my lease and that there were no charges owed in addition to any fees agreed to upon taking the lease ( security/cleaning/pet deposit, etc. ). 
The apartment complex then re-rented the apartment to another tenant on or around XX/XX/16. 
I was NEVER notified that the apartment complex was stating that I owed {$420.00} for " damages '' to this apartment until I found out that I was sent to collections for this amount. In XX/XX/2016, I disputed the charges directly with the apartment complex and the collection agency and all 3 credit  agencies. However, the debt is still listed as owed by me on my credit report. 
I just recently disputed these charges again and the apartment complex collection agency sent documentation ( which I never received before ) and which is clearly altered and fraudulent stating that AFTER I moved out on XX/XX/16, they found damages ( when another tenant was already renting the unit ) and providing " proof '' that I signed off on these charges. This paperwork is fraudulent! It was clearly altered after I left and dated it after I signed all the paperwork and moved out!!! I was never notified that XXXX XXXX XXXX stated that I owed {$420.00} ( over my other deposits ) and that they had sent me to collections. 
A search of XXXX will show that this is a known and common tactic of this apartment complex.