davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc. (TX)

Lease terminated XXXX, XXXX, two months early, very low mileage. {XXXX} excess wear and tear charged and an unauthorized charge of XXXX for " Sale Expense ''. Called XXXX ( 3rd phone contact ) and they waived ( deducted ) XXXX  and stated XXXX} would cover the entire bill. ( XXXX, employee # XXXX, lease recovery department ). I sent in the {XXXX} with the knowledge they would return my XXXX} check - but they cashed the XXXX immediately after the call. 

Return calls are always unproductive " because you are not authorized to talk about your daughter 's account '' - my daughter has authorized them to talk to me on four occasions. GM Financial routinely loses records of prior conversations. 

I noticed they actually did not deduct the charges, but cashed my check for XXXX. Since then they refuse to talk to me " because I am not authorized ''. My daughter works in a hospital and has limited access to her phone during business hours ; she has called them four times and authorized me to speak to them about the account. They always deny that they have authorization. 

They tricked me into paying XXXX in exchange for a {XXXX} rebate, then declined to give me the {XXXX rebate.
Consumer complaint received 2017-09-14
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. (AL)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 
XXXX XXXX- XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX-XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX from XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX from XXXX XXXX, XXXX Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-09-14
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. (MD)

XXXX. With the XXXX fiasco, I tried to contact Transunion to put a freeze on my credit report. Initially, when I clicked on Click to initiate freeze process, I was directed to a screen about a {$19.00} fee. Later, I got the message, " We are experiencing heavy volumes due to the XXXX breach. Please try your request again later. '' I 've been trying for days. Now, the message is The website is temporarily unavailable. Please check back later. We apologize for the delay. Incredibly, initiating a freeze with XXXX  and XXXX was easier. 

XXXX. Why is TransUnion trying to get us to pay them {$19.00} for a freeze? This should be waived. 

XXXX. I 'd complain about XXXX, but everyone knows about that situation and a complaint wo n't solve anything.
Consumer complaint received 2017-09-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Guidiville Indian Rancheria (AZ)

Reference is made to Account Number XXXX for the amount of {$300.00} opened on XX/XX/XXXX. 

On XX/XX/XXXX I made a Interest cost payment of {$90.00} On XX/XX/XXXX I made a payment of {$200.00} on the Principal amount with a {$90.00} interest cost. 

Today, XX/XX/XXXX my account balance shows an incorrect amount of interest cost that is due on XX/XX/XXXX. Specifically, after calling Customer Services Representatives this Loan Company is unable to tell me and post the correct amount due which is a Principal balance of {$100.00} with a {$30.00} Interest cost.
Consumer complaint received 2019-11-06
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. (NC)

Back in XXXX, XXXX, XX/XX/2014, I was a single mother and receiving little to no child support and had difficulty making my student loan payment. I contacted Navient to ask for help with this issue. There was an extreme amount of time -- three months actually -- until the deferment was approved. During that time frame I decided that feeding my children was more important than paying the monthly student loan payment. Navient never offered an alternative such as a reduced payment based on my income, which I now find out was an option. The result is a credit report that reflects the three months of non-payment of these three student loans which happened almost six years ago as I was awaiting my deferral. Please note : This is the ONLY " ding '' on my credit report. Since that time all of my children have attained the age of adulthood and I am no longer in the financial position of being unable to pay my loan. Since the end of my deferral I have not missed any payments on any student loan or other financial obligation. How can my credit score still be impacted so greatly by something that was caused by necessity to feed my children and the length of time it took Navient to process the deferral? Why wasn't I given the option of a lower payment so I didn't have to be punished with higher interest rates, lower credit score, and being branded as a person with " severe delinquency '' on my credit report for seven years until it is erased? This seems like a harsh punishment that does not fit the crime. Please help me find a way to rectify this situation. Thank you.
Consumer complaint received 2019-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital One is reporting a new late in XXXX that I do not owe. My card and wallet got stolen while I was out of town so I had to cancel the card that the auto draft for my account was on which made the payment decline. I forgot about the auto draft and didn't know I was late until later because I thought the auto draft was still set up.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

The Equifax hack has made my families personal information available to the dark web. Equifax hack check indicates 3 in my family " potentially '' have had our info stolen. From numerous articles it was indicated putting a freeze on our accounts, on all four services ( XXXX, Equifax, XXXX XXXX XXXX ), is the best thing to do. From my understanding if your information was stolen, there should be no fee for the freeze. XXXX and XXXX charged me {$10.00} each to put a freeze on and they indicate we could be charged {$10.00} for each freeze / unfreeze. 

1 ) I want Equifax to refund these fees as their hack is not my fault.
2 ) I want FREE credit monitoring from Equifax for life for everyone in my family 3 ) I want not fees to unfreeze and refreeze my accounts.
4 ) Equifax execs need to go to jail for insider trading as they sold stock after the hack and before they informed the public
Consumer complaint received 2020-08-20
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. (IL)

THIS IS NOT A DUPLICATE. 

I HAVE BEEN IN CONTACT RELIGIOUSLY FOR THE PAST 3-6 WEEKS WITH ALL THREE CREDIT BUREAUS AND I HAVE NOT HAD ANY RESULTS IN REGARDS TO REMOVING UNAUTHORIZED AND UNRECOGNIZED HARD INQUIRIES ON MY CREDIT REPORTS. ALL 3 CREDIT BUREAUS ADVISED ME TO CONTACT THE  CREDITORS TO REQUEST REMOVAL OF THESE INQUIRIES AND THOSE ATTEMPTS WERE NOT SUCCESSFUL. UPON REACHING OUT TO THE CREDIT BUREAUS AGAIN, I WAS TOLD TO DEAL WITH THE INQUIRIES BECAUSE THEY WILL EVENTUALLY FALL OFF AFTER 2 YEARS. THIS IS COMPLETELY UNFAIR AND UNETHICAL ON THE PART OF EVERYONE INVOLVED. INVESTIGATIONS HAVE BEEN REQUESTED AS WELL AS I HAVE BEEN VERY PATIENT, BUT I HAVE HAD NO POSITIVE RESULTS AND THIS IS HINDERING MY XXXX XXXX AS WELL AS PREVENTING ME FROM BEING ABLE TO DO IMPORTANT THNGS IN MY LIFE. THEREFORE, I AM CHOOSING TO GO ABOVE THE CREDIT BUREAUS AND THOSE CREDITORS AT THIS TIME. PLEASE ASSIST WITH THE FOLLOWING UNAUTHORIZED AND UNRECOGNIZED HARD INQUIRIES : XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX EXPERIAN : XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XXXX  XXXX, XXXX XXXX CARD THE ABOVE MENTIONED HARD INQUIRIES FOR ALL 3 CREDIT BUREAUS ARE UNAUTHORIZED AND UNRECOGNIZED AND THEY NEED TO BE REMOVED. METHODS HAVE BEEN TAKEN TO BLOCK FURTHER INQUIRIES WITHOUT MY PERMISSION. THANK YOU.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I requested that Experian open an investigation a negative account listed on my credit report from XXXX XXXX in the Amount of {$1600.00} on XX/XX/XXXX. My request was that Experian provide me with validation of this account with the signed original contract in accordance to my right as the Fair Credit Reporting Act Section 609 1 ( A ) 1 states. Experian has failed to validate this account and provided me the reason that the item was updated and it meets the requirements of the Fair Credit Reporting Act. The report also suggested that I could directly reach out to XXXX XXXX, which is what I did on XX/XX/XXXX. 

Upon reaching out to XXXX XXXX, I have not recieved any correspondence about the account, I have not recieved an original signed contract from Experian or XXXX XXXX directly. The letter that I mailed to XXXX XXXX was recieved XX/XX/XXXX and signed by XXXX XXXX according to XXXX Tracking Number XXXX. However, I am being ignored and have not recieved any validation of the debt or any correspondence from XXXX XXXX. Experian continues to update my credit report stating that the Account has been verified by XXXX XXXX and they will not re-investigate this account as of XX/XX/XXXX. 

The reason for me submitting a complaint is that, I have no validation via a signed contract with XXXX XXXX stating that I owe {$1600.00} or proof that this debt is actually mine yet Experian continues to report this account as verified. This has now caused me damages because the lack of due diligence has prevented me from obtaining new credit and also prevented me from passing a financial evaluation for potential job opportunities.
Consumer complaint received 2022-10-07
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. (AZ)

On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-09
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. (NC)

I recently applied for an auto loan and wasn't able to get it. I have plenty of accounts that are fraudulent and inaccurate on my credit report. I wrote to XXXX, Transunion and XXXX. I made them aware of the fraud and inaccurate accounts I will attached the letters to the complaint. I haven't received a response as of yet this is a critical situation. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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 inaccurate. The following personal information - J XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX NY, XXXXXXXX XXXX XXXX  NY, XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX NY. XXXX XXXX XXXX XXXX XXXX XXXX NY. XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/21, XXXX XXXX XXXX XX/XX/21 XXXX XXXX XXXX XXXX XX/XX/21
Consumer complaint received 2022-10-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I sent an international wire transfer in the amount of {$72000.00} ( switched it to Brazilian currency before sending it, which was {$350000.00} XXXX  ) on XX/XX/2022 to my wife. I was told from my bank, which is XXXX XXXX, that it would take 3 hours if not it would be there by the next day. This Monday will be 6 weeks and the money still hasn't made it down there. Apparently, they go through Bank of America when dealing with international wire transfers, and me and my bank have reached out six times to Bank of America to find out where the money is, the last two times requesting a recall of that money. The last request being XX/XX/XXXX. This has been going on for 4 weeks and Bank of America has not responded one time to this inquiry. I don't know what is going on, and to them this might not be a lot of money, but this is my life savings and this was to buy a condominium down there for me, my wife, and my XXXX daughter that will be born on XX/XX/XXXX. This whole process has cost me more money because of the fact that I'm still trying to hold on to the property that we signed the agreement on, but since I didn't get the funds in time, I'm being penalized each day with interest. At this point I just want my money back and a response telling me your money is on its way back, but I can't even get that nor any other response from Bank of America. If I forfeit on this condo it will cost me another {$7200.00}. I don't know what else to do...
Consumer complaint received 2024-02-01
Product: Credit reporting 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. (NJ)

I recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. I found recent inquiries not done by me. This situation has caused my score to decrease. Please remove it from my credit report as soon as possible.
Consumer complaint received 2022-04-06
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. (TX)

XX/XX/XXXX FACTUAL DATA INQUIRY ON MY CREDIT UNAUTHORIZED INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX  DEALER SERVICES UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX DEALER SERVICES UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT XX/XX/XXXX XXXX XXXX XXXX UNAUTHORIZED HARD INQUIRY ON MY CREDIT REPORT
Consumer complaint received 2019-11-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

I have been a customer of Wells Fargo for 12 years and in the past I've never been assessed overdraft fees for pending items that has not posted to my account. On 3 occasions, XX/XX/29, XXXX & XXXX, I was assessed overdraft fees on items that posted to my account even though AFTER each item was paid, i had a positive daily ending balance. However, there were still items that was authorized/pending on my account which was affecting my available balance. 

In the past, I was always able to make a deposit before the cut-off to cover the items that was pending and as long as my actual account balance was positive when other items posted, I did not have to pay overdraft fees for those items. Now, Wells Fargo is immediately taking the funds for authorized transactions from my current balance - even though they are still pending and has not posted to my account, and causing me not to have enough funds to cover the items that post. Hence, I now have to put funds in the account to cover the pending/authorized items AS WELL AS the overdraft fees. If I do not put deposit those funds, I will be assessed overdraft fees for the pending items even though they were already deducted from my bank balance which caused me not to have enough money to cover the items that posted. 

I believe this to be an unfair overdraft fees practice. According to the overdraft fee laws, if you opt into the overdraft fee protection, at the banks discretion they can pay the items. However, if the items has not been processed and is still pending, technically, the bank has not paid them yet and therefore, your actual bank balance should not be affected by those pending transactions until the bank actually pays them. A customer should not be paying overdraft fees for pending transactions that has not be paid from their account by the bank.
Consumer complaint received 2019-11-06
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 — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

I was a cosigner on a new XXXX XXXX XXXX that was traded in earlier this year. From my understanding the XXXX was being traded in during the month of XX/XX/XXXX or XX/XX/XXXX. The information i gathered from the actual borrower was XXXX  had the car and took longer to send in the payoff for the car than normal and Nissan reported the car as a late payment on the credit reports, which dropped our credit scores. 
Now being the co-signer I was never made aware of the late payment issue or missed payments, as there had never been an issue the 3 years the car was in the owners possession. I just so happened to get an alert saying my credit score dropped due to late payment, but the car was already traded in when it hit. I have contacted Nissan financial multiple times to be blown off and then told they don't have to inform the cosigner that a payment is late, but they are responsible for keeping up with the payments even if the car is traded in. I have tried to get them to remove this negative late payment from my credit report as I had no knowledge of the situation, but was told Nissan doesn't remove their remarks. The car was paid off a day after I seen my credit score drop and I just want this removed from my credit report.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (PA)

15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT.

( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

-- I am entitled to Fair Credit Reporting. 
-- I have given them authorized permission to report this public record on my consumer credit report. 
-- I Demand it to be reported and every violation of failure to report authorized information on my report is a {$1000.00} fine. 

-- Letters have been sent certified mail and return receipts have been received by me. 

-- The following is a public record UCC filing and my permission has been given orally, in writing, and electronically to report this public record on my consumer report and I demand it to be reported : -- RE : PUBLIC RECORD FILING -- XXXX XXXX Department of Real Estate : -- Mortgage Agreement Filing Number : XXXX. 
-- UCC Filing Number : XXXX. 
-- UCC Filing Number : XXXX.