davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Contact the credit agency to dispute inquiries that were made with my knowledge, after there investigation they conclude the information was correct. I contact the individual companies I never heard back from them regarding the matter. I have attached a pdf of the document the was sent to Transunion XX/XX/2015.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i.

In response to my dispute regarding the account XXXX XXXX XXXX XXXX XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that XXXX Compliance procedures and reporting format have been violated.

I hereby request the immediate deletion of this account from my consumer reports.
Consumer complaint received 2022-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (VT)

Got a call from Santander consumer us my truck loan holder. The informed me my loan was in default and a nation wide search was place on my vehicle for repossession. Told me I missed 6 payments and bounce one of the checks. Told me if I payed XXXX in ten days it they might be able to resolve it but the loan was charged off XX/XX/2021. I never got any notifications from them. No email or calls not even a letter. I went straight to bank and got all my bank records. I have all bank statements. I have never mist a payment on this loan In the XXXX XXXX yrs Ive had it. They said I bounce a check in XX/XX/2021 my statement not only shows it was paid but also had over XXXX in the account that month. Im in fear they will reposses my truck for a big mistake that they have made and I need help. Also my credit report reflex this mishap.
Consumer complaint received 2017-04-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC (AR)

My insurance company  (   XXXX  of Arkansas  )  had an internal processing error, which resulted in my, and everyone else insured by this company, policies to not be renewed. These claims were denied due to this error. I eventually had the problem fixed and my policy was then renewed. These collections were inisiated due to no fault of my own. If they would resubmit them to my insurance company the debts  may  be paid. Thank you.
Consumer complaint received 2016-05-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

I have a car loan with Ally financial since XX/XX/XXXX never late on any payments. My car was a total loss due to flooding that occurred on XXXX/XXXX/XXXX and auto insurance total the car the following week. I called Ally I explain the rep my car was total loss " what do I need to do '' she mention that I needed to contact my insurance. I specifically ask about the payments and she stated car was total so the insurance will contact them, My payment was due on XXXX/XXXX/XXXX. Ally Reported my account to the credit bureau as delinquent. I called Ally multiple times from the collections department to the total loss claims no one has been able to explain to me why if the car was a total loss and my insurance will cover and also have GAP insurance why the account was reported as delinquent. I did not received any calls from Ally or any third party collections agency in behalf of Ally or any documents via mail or email on regards of the account been late, I had set online access to make my monthly payments but after I reported to Ally the total loss the account was remove and I do n't have access to see the status of the account until my credit report send me an alert about XXXX account being delinquent, I have not been able to get an answer from no one at ally but " system generated a report every 30 days after the account is late, so the report is send every 30 days by a computer '' It do n't make sense to me and now I 'm delinquent 60 days I have called multiple times and a supervisor requested me to submit a payment to cover the 2 months and he will try to see if they can remove the delinquent report from my credit. This is not fair treatment to a customer, I was mislead with incorrect information, I trusted them with my situation and believed was been handle in a professional way. Is very overwhelming losing my car in a flood and now my credit has a delinquent report.
Consumer complaint received 2022-09-05
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: American First Finance, Inc. (FL)

AMERICAN FIRST FINANCE XXXX  XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, KS XXXX XXXX ( XXXX ) XXXX I have tried calling explain to company my identification was confiscated and ive pressed charged on the person and I didnt make this purchase. 
Delete Late payments from XXXX from XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards
Consumer complaint received 2016-10-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On or around XXXX I discovered than XXXX XXXX Bank has the wrong date on file for my bankruptcy. The account is closed but my dates were not properly updated with the records they have it reported as being charged off XXXX of XXXX when it should be XXXX XXXX almost 10 ago and not 5 years ago. The XXXX XXXX account was the whole bankruptcy case. There is a serious and obvious error please delete this account from my report it is wrong.
Consumer complaint received 2018-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL (OR)

On XX/XX/XXXX I applied for a TJX Rewards Card. The application was denied by XXXX XXXX, Creditor. I received the written explanation on XX/XX/XXXX which stated that the decision was based on XXXX reporting " applicant is deceased ''. I complained to you about this XXXX and XXXX  responded that they did not deny me credit and they have no record of my being deceased. I then obtained my full credit report from XXXX   which in fact, shows no credit denial, no deceased and no problem. I have called and written Synchrony with no results. I request your help in having these " errors '' corrected. Their wrongful credit denial caused me a great deal of public embarasment, a 10 % cash discount and future benefits associated with the reward card. There should be a penalty for their sloppiness, and poor attitude. They make no effort to correct the lies.
Consumer complaint received 2022-09-05
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. (FL)

Delete Late payments from XXXX XXXX XXXX from XX/XX/2022, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Consumer complaint received 2022-09-05
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)

Delete Late payments from XXXX XXXX XXXX XXXX from XX/XX/2022, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Consumer complaint received 2022-02-12
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. (KY)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-03
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC (MI)

I had student loans through XXXX XXXX. They closed and the lawsuit states that I'm no longer responsible for these loans. I reconsolidated the loans through XXXX and they will not discharge them until the Department of Education tells them to. These are still showing on my credit report as me owing.
Consumer complaint received 2016-05-03
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (NY)

I 'd like Chase Bank to issue a letter of explanation about a forged check on my account. It 's almost comical, but I do need the letter so i can complete the refinance of my mortgage. 
In a nutshell : Someone going by the name XXXX forged a check on my account. I alerted Chase and a day later Chase closed my account, and opened a new account in my name. 
While Chase apparently automatically forwarded other autopay orders to my new bank account, somehow the autopay for my Chase credit card - and only my Chase credit card - was not forwarded, and I missed two payments. Chase 's credit card division then reported my delinquency unleashing a cascading chain of events, as my credit rating momentarily plummeted and XXXX is now holding up my mortgage refinance until i can supply a letter of explanation from Chase. 
Chase refuses, of course to admit they goofed, and refuses even to issue a letter explaining the events that led to the late credit card payments. Meanwhile, my credit score has recovered but XXXX 's mortgage division insists on a letter of explanation from Chase before they will allow me to complete my refinancing. 

I am attaching copies of relevant correspondence. 

Please ask Chase to issue a brief letter of explanation, noting that a forged check forced the closure of my account and an oversight led to two missed credit card payments. My Chase account has a balance in excess of {$110000.00}, and the credit card bill was in the hundreds. 

Many thanks - XXXX XXXX XXXX
Consumer complaint received 2021-01-26
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: EQUIFAX, INC. (TX)

I don`t have knowledge of this account and have sent letters requesting validation to the, to no avail! I am requesting that you immediately delete information off of my credit report that isnt mine. I have no contracts with these companies and did not agree to pay any money to them. I know that mistakes happen on peoples credit reports, and I am quite certain these are mistakes.
Consumer complaint received 2017-02-05
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (WV)

I had to go Bankrupt in 2013 due to my husband passing away.I have a car loan and that 's all, I do not have any credit card 's at all.I have to get a small loan {$200.00} for my XXXX.The Credit Agency keeps saying I have credit cards that do n't exist.XXXX for XXXX I have NEVER dealt with these people and XXXX XXXX and again have not EVER dealt with these people.Everything else I have been making payment 's on time for my car.I checked my credit and it say 's nothing deliquint and nothing in collection's.So what 's the problem.
Consumer complaint received 2016-10-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION (TX)

When I 'm unable to pay and set up a payment plan navy fed would lock my account and then not honor the payment plan date we would agree on and take more then what was due to be paid and withdraw it 1 or 2 days earlier causing me to get even more behind and frustrated that I ca n't make my payments.
Consumer complaint received 2016-02-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: ENOVA INTERNATIONAL, INC. (VA)

I recently learned that a high-interest online loan I have with NetCredit is not legally binding in the state of Virginia. 

I notified the lender who responded by stating that their license in the State of Utah allows them to do business in Virginia.
Consumer complaint received 2020-11-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

I am complaining against Chase bank XXXX XXXX branch in XXXX, CA. It is regarding the recent promotion if you deposited {$250000.00} and leave it for 90 days, the bank will award me with {$2000.00} cash bonus and deposited to my checking account. 
I opened the account and deposited {$250000.00} to my chceking on XXXX XXXX and I fulfill all the stipulation and follow the term and condition as the banker XXXX XXXX instruction . 
and here is the instruction as the banker gave it to me - please see attached after the 90 days lapse, I checked and met with the personal banker XXXX XXXX in XXXX XXXX. And according to XXXX, I was not eligible for the promotion. 
I felt cheated and misguided since I follow all the term and requirement for the promotion. And I asked to speak with the branch Manager : XXXX XXXX, however i was told that she is on maternity leave and noone know when she is coming back. 
The banker was telling me that there is no dispute about why I am not receiving the Cash bonus and Why he had not tell me this prior to XXXX XXXX. I think Chase was taking advantage of myself and Coming from the Veteran family, I felt that Chase is not acting fairly and misleading the client.
Consumer complaint received 2015-12-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: NAVY FEDERAL CREDIT UNION (MN)

Navy Federal Credit Union issued fraudulent debit card and XXXX credit under my forged name in XXXX, 2015. I called and had accounts shut down and have learned I have been the victim of identity theft. Attempts at other institutions were made - BUT ONLY NAVY FEDERAL 'S WENT THROUGH - without apparent verification and opened with a STARTING {$25.00}, XXXX credit limit! This company has some serious regulatory issues!
Consumer complaint received 2015-09-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Sometime in the last 2 years, Bank of America converted my checking account from XXXX that is free of charges to XXXX that requires a monthly minimum balance or certain amount of direct deposits each month to avoid a {$12.00} fee. In addition, Bank of America locked my ability to transfer funds into the account sometime in the last year. In XXXX of 2015, my balance failed to meet the minimum requirements and I was charged this {$12.00} fee. I raised the issue with BofA and noted that I could not transfer additional funds into the account and asked for the fee to be refunded. They responded that they would not refund the fee and I promptly transferred my remaining funds from the account and told BofA to close the account. After the transfer, BofA charged me an additional maintenance fee, which then overdrew the account resulting in an overdraft fee of {$35.00}. Now BofA has informed me they will not close my account until I pay them the fees that they have charged me.
Consumer complaint received 2016-06-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc. (TX)

When I was on a XXXX XXXX, I was on XXXX but not paid for XXXX months. I contacted whichever company was handling my student loan at that time ( I do n't know for sure that it was FirstMark as my student loan is continually sold to other companies ). I let them know that I was on unpaid leave and asked if they had any options to place my account in a deferred payment status or any options for someone that did not have income. At that time, my account was in good standing. The representative stated they did not have any options for someone with no income. She said I either have to pay it or it would go to collections. I asked again, what options they have for people with no income, as my account is in good standing. She said you either pay it or it goes to collections. 
This is negatively affecting my credit and has negatively affected my ability to gain employment. I would like this item removed from my credit report and the balance forgiven for my XXXX experienced from the negative reporting.
Consumer complaint received 2016-11-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (VA)

A credit card was opened using my credit information with a hard inquiry to my credit report with XXXX. I did not apply for the card. I received an alert from XXXX and discovered that the inquiry was from Barclays in Delaware. Then I received an email from Barclays congratulating me on choosing paperless billing for my new XXXX XXXX XXXX. I called Barclays security to report the fraudulent transaction. I told them that I did not apply for the card and asked them to close the account. They said that they would close the account and reverse the inquiry on my credit record. That was yesterday -XX/XX/2016. Today, XX/XX/2016, I received another email congratulating me on opening my new Barclays credit card. There have been no further alerts from XXXX.