davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (MI)

On XX/XX/XXXX Credit Acceptance Corp. Canceled auto payments that had been reoccurring since XX/XX/XXXX for payments on a vehicle loan. I was not contacted or notified for two months. In XX/XX/XXXX once contacted I talked with a credit Acceptance Corp employee via telephone. I explained no payment should be missed because of the authorized auto payments that were set up to endure the length of the entire loan. She investigated the issue and told me verbally that yes it had been canceled by them and she stated she thought that was strange. However, if I did not pay 11??  ..dollars that my vehicle was already in repo. On principle and what I believe to be repetitive criminal business practices I cooperated with the repo. 
Upon credit acceptance auctioning the vehicle and including what I paid into the loan they made roughly XXXX dollars on a vehicle window priced at XXXX. Considering their shady practices I consider it a win for them. Yet, they have me in collections for an additional XXXX. 
This company has many negative reviews on XXXX, XXXX and I assume with your organization as well. 
Attached is a letter from credit acceptance stated that I had canceled via XXXX XXXX. I had no idea it even went through XXXX XXXX. What good sense financial institution would use a middle man to due transaction outside a bank. It would be much easier for a simple man like myself to call my back to end payments. 
Perhaps they use XXXX XXXX to allow for the gap to make these claims. I have heard that XXXX XXXX only runs two years of autopay continuously then it has to be reset up. I guarantee. Credit Acceptance not only knew this but uses it to reclaim and resell cars. 
Even if it was accidental the contract I signed authorized autopay for the entire 48 month duration of the loan and I never canceled the payments and never missed a payment. They canceled it or knew through all their previous dealings with XXXX XXXX the policies and procedures of XXXX XXXX to the extent they failed to notify me of such so that I could have avoided this mess and still have my vehicle that I loved! 

Thank you for you time.
Consumer complaint received 2021-02-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Contacted XXXX and TransUnion multiple times about a false account appearing on my credit report. Attached proof of letter sent along with pictures of certified mail, return requested proof.
Consumer complaint received 2022-11-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

Portfolio recovery a third party debt collector refuses to send me the history or the origin of the debt that they are sueing me for. I sent them a certified letter XX/XX/XXXX and I had an attorney send them a letter on XX/XX/XXXX, both of which they are ignoring as they continue to garnish my bank account. Back in XXXX  they told me that the account was resolved and I only have had one account, now they have changed it to two accounts, one is open and one say resolved paid in full. I only had one account. They are refusing to provide and supporting documents
Consumer complaint received 2020-08-24
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. (FL)

l have submitted three certified letters to XXXX, Experian XXXX   credit report bureau about that method of verification of bankruptcy on my credit report. I am not denies l did not filed bankruptcy in XXXX. l am requesting their method of verification/ how they got this bankruptcy if the court do not report it.The letters was send out on XX/XX/2020, XXXX. For the last two investment results to me it stated that bankruptcy was verified by the USBK Northern District Of Florida Docket Number XXXX. But they keep send me their investigation results stating verified as accurate. As stated above l have to right to request their method of verification and for it to be send to me. l have not got any method of verification from XXXX, XXXX, Experian.I wrote a letter to bankruptcy court that they claimed they got my info from and the USBK Court bankruptcy court where the item was filed stated in letter address to me that they did not report to any credit report agency or any third party agency. It is public record for anyone to look up any public record
Consumer complaint received 2021-01-27
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. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2020-08-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MN)

On XX/XX/XXXX, I was sent XXXX USD via PayPal. The transaction number is XXXX. I was collecting monies for a gift certificate for a third party. The money for this transaction is not available to me. It has been marked " pending '' for almost 90 days, now. I did go ahead and purchase the gift certificate and included the " pending '' {$1000.00}. 

I have chatted with PayPal numerous times regarding this transaction. I would like them to either let the transaction proceed so that I can access this {$1000.00} or I want them to cancel the transaction. I know the paying party personally and they will simply write me a check. Either solution is perfectly acceptable. PayPal keeps telling me that they are awaiting more information from the payer and they can neither cancel the transaction nor can they let it proceed. I have contacted the payer and they are telling me that the information that PayPal is asking about is private information about the third party. The third party 's name was written in the " memo '' portion of the transaction simply for the payers personal accounting. The payer does not want to give private information about the third party and I completely understand! I'm not even sure it's legal to do so. I believe, PayPal is holding this money without cause and is not helping to resolve this transaction. 

Could you please intervene on my behalf? Like I said, either letting the transaction proceed or cancelling the transaction are acceptable solutions. 

Thanks you.
Consumer complaint received 2021-01-27
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. (TX)

On XXXX XXXX I was notified by the IRS that someone tried to use my social security number to fraudulently file taxes for XXXX. The IRS provided me with documentation and the steps needed in order to protect my identity. One of those steps were to contact the credit bureaus of the identity theft. On XXXX XXXX I filed a complaint with the FTC and on XX/XX/XXXX I mailed the documents provided by the IRS and FTC to Experian XXXX 
Experian received my documents on XX/XX/XXXX. I spoke with a representative at Experian on XX/XX/XXXX to confirm that they received my supporting documentation that listed all the accounts that were not mine and that were fraudulent placed on my credit report. On XX/XX/XXXX, I received an email from Experian stating that the documents that i submitted was not enough and that they were denying my request to " block '' the requested information listed on the FTC report that i provided to them. I then attempted to call Experian to see i someone can explain to me what the email means and what do i need to do or what other information is needed from me. The first representative told me that she could not provide me with any information about what other documents may be needed to get the fraudulent accounts removed. I then asked to speak to a supervisor, who then, kept me on hold for 47 minutes and then hung up on me. I have been trying to reach someone at Experian to get these accounts removed and to speak to someone so I can get an understanding of the next steps, but every representative refused to assist me with my credit report and explain to me why the supporting documents that I provided was not enough
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was scammed out of {$2600.00} and an additional {$790.00} on XX/XX/2021 by going on a fake ( XXXX ) website where I gave them permission to go into my phone with an app called ( XXXX XXXX ). 
Once they had access they saw what was in my account and credit card information. 
From there I was tricked into sending them the above amounts. The {$2600.00} was transferred from my bank america credit card to my checking account and the {$790.00} was my own money through XXXX. Once I realized what had happened I immediately called bank within 10 minutes to stop payment and was told they would try? I was instructed to file a police report which I did and was ultimately denied a refund by Bank of America.
Consumer complaint received 2022-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2022-05-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In accordance with the fair reporting act XXXX  account # 's XXXX XXXX XXXX {$180.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$98.00}, XXXX XXXX XXXX {$1300.00}, XXXX XXXX XXXX {$4800.00}, XXXX XXXX XXXX  XXXX {$5000.00}XXXX XXXX XXXX XXXX  {$160.00}, XXXX XXXX {$2200.00}, XXXX XXXX XXXX$0.00}, XXXX {$0.00} XXXX has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (CA)

My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/XXXX, that Experian and XXXX Credit Bureaus closed my complaint to protect my PRIVACY. I called Experian and XXXX after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, on my credit report which are UNKNOWN to me. This is disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.
Consumer complaint received 2022-11-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022 I mailed experian, XXXX XXXX XXXX letters disputing inaccurate accounts on my credit reports. The companies have failed to respond to me within or after the 30 days from the first dispute letter was sent out.
Consumer complaint received 2022-12-07
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. (VA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (CA)

I am writing to express my deep concern and dissatisfaction regarding the recent Non-Sufficient Funds ( NSF ) fee that was applied to my account, despite my enrollment in the XXXX XXXX XXXX XXXX ( OOPS ). 

It is unfair to consumers that Navy Federal Credit Union continues to charge NSF fees in situations where other major financial institutions, such as XXXX Bank, do not, given similar overdraft protection plans. The practice of imposing these fees, despite protections like OOPS being in place, is not only unjust but places an unnecessary financial burden on your customers. 

I am requesting that Navy Federal Credit Union immediately cease the practice of charging NSF fees when customers have enrolled in OOPS or similar protection services. This fee should be reversed on my account, and moving forward, this policy must be reassessed to better align with consumer expectations and industry standards. 

As a valued customer, I expect XXXX XXXX to prioritize fairness and customer satisfaction by eliminating these excessive fees. Please confirm in writing that this charge has been reversed and that steps are being taken to prevent future occurrences. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2022-11-18
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: Resurgent Capital Services L.P. (PA)

Resurgent Receivables is a third party that was never given written consent from me the consumer to have access to my reports or even report information. Further there is no written consent from me the consumer for them to have had communication with XXXX XXXX XXXX  This is a violation of 15 USC 1692c ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

Resurgent Receivables has committed identity theft and continues to do so as recent as XX/XX/2022. 
15 USC 1681c-2 ( a ) a consumer reporting agency must remove/block information alleging to be a result of id theft shall be removed no later than 4 business days
Consumer complaint received 2024-12-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (WI)

XXXX XXXX XXXX, An Attorney Law Firm, has been aggressively pursuing myself for credit card debt that had resulted into massive Identity theft. Currently in major debt. The IRS is the place that confirmed these high breaches of personal security and identity theft on behalf of me. The original card was a XXXX XXXX card going back 5 years ago. It already has been issued by the court and my financial situation is now beyond repair.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (WA)

On XX/XX/2023, my wife made two ACH transfers ( $ XXXX and {$22000.00} ) from XXXX by XXXX XXXX to Citi bank. I'm the secondary joint owner of XXXX saving account and the sole owner of Citi checking account. Citi suspects it's a fraud so that they closed the Citi account forcefully. In order to get the money back, Citi requires XXXX to send an Indemnification Agreement ( Hold Harmless Agreement https : XXXX ). However, XXXX said they don't have this process and can't do it. 

Now I'm in this deadlock and can't get my money back. I appreciate if you can help us negotiate with Citi and XXXX and find a way out.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 

1. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 4.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2020-08-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (TX)

Filed dispute on XX/XX/2020 requesting copy of the contract with my authentic signature.under the FCRA I am allowed to make this request.it has been 40 days and I have not received contract with authentic signature.The FCRA allot 30 days for a dispute to be completed.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2022 - a merchant fraudulently charged {$100.00} to my American Express card. I disputed this transaction as fraudulent. On XX/XX/2022, American Express send me written correspondence saying that I am responsible for the charge based upon the documentation that was attached, yet the documentation attached was a non-descript electronic receipt, reflecting a transaction on a card with a different number, without stating what the goods are for, who ordered them, and where they were sent. Further, this does not change the fact that I DID NOT order ANYTHING from this merchant, DID NOT receive ANYTHING from this merchant, and DO NOT have any idea what this charge is for! Instead of performing its duty under the Fair Credit Billing Act, American Express tells me that I should resolve it with the merchant myself.