davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-23
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: CREDIT ACCEPTANCE CORPORATION (TX)

This is a formal complaint against Credit Acceptance located in XXXX XXXX. MI. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Credit Acceptance has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

ON SEVERAL DATES I HAVE GONE TO ALL BRANCHES RE : NO ACCESS TO MY ACCOUNT BALANCE AT ATMS ( USING DIFFERENT BRANCHES : ITS ATMS USING DIFFERENTDEBIT CARDS!! 

NO BRANCHES WOULD ENTERTAIN KY SUGGESTION CLOSE ACCOUNT AND OPEN A NEW ONE
Consumer complaint received 2021-06-03
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2020-07-13
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. (FL)

THE DISPUTED ACCOUNTS AND INQUIRIES HAVE BEEN CASUING SERIOUS DAMAGE TO MY CREDIT REPORT AND I AM NOT LIABLE TO THOSE REPORTING. THEY ARE INACCURATELT PLACED ON MY CREDIT FILE AND HAVE BEEN REPORTING FALSE TRANSACTIONS. I AM REQUESTING IMMEDIATE REMOVAL OF THOSE DEROGATORY MARKS AND INQUIRIES THAT HAVE CAUSED MY REPORT TO BE MEDIOCRE. PLEASE INVESTIGATE THIS MATTER AND HAVE THOSE REMOVED.
Consumer complaint received 2024-11-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC (AZ)

I submitted for short sale review on XX/XX/XXXX. Finally on XX/XX/XXXX it was submitted to the investor for review. I was told it would take XXXX business days. Its now XX/XX/XXXX and I have yet to receive an answer. I have a buyer about to pull out because this is taking so long.
Consumer complaint received 2022-04-06
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (TX)

I tried to remove a late payment from XX/XX/2020 on my Santander auto loan. This was the only payment I missed during Covid. I was told by the lady that took my call that they have to follow the FCRA rules and can not remove the late payment even if it happened during Covid.
Consumer complaint received 2021-01-25
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: JPMORGAN CHASE & CO. (NC)

I watched an online presentation from XXXX about their affiliate marketing program and the company charged my Chase credit card account {$3000.00} on XX/XX/XXXX and {$5000.00} on XX/XX/XXXX.. The company promised to send profits made to me and was told that I could withdraw the money at anytime. XXXX refused to pay me any of the commission that I was promised. I contacted Chase bank which is the credit card company which holds the charges by email in XX/XX/XXXX advising Chase that this company was a scam and I wanted my money back. I filled out an affidavit on XX/XX/XXXX with documentation that they requested. XXXX asked for additional paperwork on XX/XX/XXXX and I sent the documentation by fax. I have received several letters from Chase advising that the charge made to XXXX is a valid charge. I received the same letter about the charge being valid on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XXXX. I am not disputing that the charge was made, I advised then that this company was a scam and they did not honor their agreement of paying commission to me and I wanted my money back from them.
Consumer complaint received 2020-09-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Universal Account Servicing, LLC (FL)

I attended Florida XXXX XXXX - XXXX. In XXXX, FL. 
I graduated and always make my monthly payments. This is a private loan provided by the school. I was looking at the statements of my payments recently and found that the amount of interest charged is different for every payment. Example. For three months I paid XXXX which was the min. Payment amount while I was in school. One month the amount that went to interest was XXXX only XXXX for principal balance. Every month it differs. The interest rate on my account is 11.5 %. Every month they charge different interest. The website they use is XXXX Universal Account Servicing
Consumer complaint received 2022-07-22
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently disputed a Bankruptcy from my consumer report because, I notice some inconsistent data points being reported. 

1. As reported, the item US Bankruptcy Court does Not have an exactly matching Data Furnisher/Creditor Contract address location. Transunion shows ( U.S Bankruptcy Court ), XXXX ( US Bankruptcy Court GA XXXX ) and XXXX ( XXXX ). 

2. The date filed and reported shows XX/XX/2022 with Transunion and XXXX but shows XX/XX/2022 with XXXX. 

XXXX. The reference for Transunion is ( XXXX ), XXXX ( XXXX ), and XXXX ( XXXX ) which is Inconsistent as well. 

XXXX. XXXX and Transunion Reports a closing Date of ( XX/XX/2022 ) and XXXX reports nothing. 

I am not disputing the bankruptcy because of verification purposes, I'm disputing the bankruptcy because of the wrong information being collected by each credit reporting agency, causing this bankruptcy to be inaccurate.
Consumer complaint received 2021-04-23
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My XXXX, XXXX  and XXXX  credit reports were accessed on XX/XX/2021 as indicated by a hard credit inquiry by Capital One Auto Finance. 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via XXXX to the address indicated on the XXXX credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.
Consumer complaint received 2020-07-13
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- PERSONAL ACCOUNTS XXXX. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

13. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-12-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (DC)

I was instructed by XXXX XXXXXXXX to file a complaint with CFPB to assist me with my issue. 

In XXXX, PHH contacted me to inform me of a missed mortgage payment. When I asked for which month, the representative told me they did not have a date and that I needed to provide proof of all payments for the year. I contacted my bank and provided proof of payments for the year. Despite my calls for resolution I was told it was being researched/ reviewed. Months later I never received a formal response and they began reporting me as a month delinquent. This has prevented me from refinancing my mortgage and taking advantage of XXXX because they have continued to report me as delinquent without providing a date for over a decade. I am asking to have this matter resolved because according to PHH my loan has matured and I am responsible for paying off my mortgage this month ( XX/XX/XXXX ). Im prepared to pay off my mortgage as soon as they provide proof of the mortgage and the pay-off amount, which I have requested but have not received. I refuse to pay any late fees or an additional mortgage payment because I do not owe one. This mortgage company has exhibited a pattern of underhanded dealings throughput my mortgage. In XXXX, they attempted to foreclose on my XXXX mortgage claiming I had not made adequate payments due to a lack of homeowners insurance. I contacted the XXXX XXXX and proved that I was not in default due to a lack of homeowners insurance. In fact, for 3 months I had XXXX active policies. In the process I also uncovered that they were illegally increasing my mortgage by over $ XXXX and they could not explain the charges. So not only were they charging me and exaggerated amount for homeowners insurance I did not need but using a made up added monthly charge of over $ XXXX to force me into foreclosure. They acknowledged the error in charging me for unnecessary insurance but never explained the additional amount added to my mortgage, which I deem to be fraud. The XXXX XXXX did not take any action against them and they still keep part of my mortgage payment in suspension for years and reported me as delinquent until I repeated requested that the matter be addressed. In XXXX, XXXX XXXX did not advise mr to reach out to CFPB which could have been a tremendous help then but Im glad I was advised to do it now. 

In closing, Im asking the CPFB to assist me in getting this matter resolved and in the event fraudulent activity is taking place by PHH that the appropriate action is taken to prevent this behavior from affecting other hardworking borrowers.
Consumer complaint received 2021-04-23
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. (CA)

My Experian credit report was accessed on XX/XX/2021 as indicated by a hard credit inquiry by XXXX  ( XXXX XXXX XXXX XXXX ) I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via USPS to the address indicated on the Experian credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX is reporting false information to my credit report for my car loan All 3 credit bureaus shows I had a late payment in XXXX of XXXX I contacted XXXX on XX/XX/XXXX and asked them to fix this. Spoke with XXXX who advised he does not see that I was ever late making a payment and I should report this as inaccurate information and they will remove this information from all 3 credit bureaus.
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date Opened XX/XX/2021 Balance : {$410.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Equifax ; XXXX  and XXXX  should not be reporting a chargeoff on the XXXX XXXX/XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has already gone to judgment and I am making payments. I have attached paperwork for reference regarding this account. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-09-21
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Transunion to verify the disputed accounts and remove them if unable to prove that the accounts are mine. Transunion is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit or receive goods or services from the alleged accounts. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX XXXX  XXXX Date opened XX/XX/2020 Balance XXXX, XXXX XXXX Date opened XX/XX/2020 Balance {$12000.00}, XXXX XXXX Date opened XX/XX/2020 Balance {$1900.00}, XXXX XXXX Date opened XX/XX/2020 Balance {$7500.00}, XXXX XXXX Date opened XX/XX/2020 Balance {$1200.00}
Consumer complaint received 2022-09-21
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. (TN)

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX  account XXXX XXXXXXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX, HAS violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-09-18
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: Experian Information Solutions Inc. (NY)

Date XX/XX/20 Attn : CFPB Consumer Relations Department To Whom It May Concern I am reaching out because as of now, I did not receive any response or notice from three Bureaus Credit Reporting Agencies for my disputes with them. They are stating that these accounts are under investigation. But I still have not received any updated letter from the Beaurus and creditors. 

Inaccurate account information, balances, last payment status, and default dates for all the accounts listed below are being shown. The agencies investigated it, but I did not hear back from credit report agencies and creditor. 

I have listed out the accounts and my reasons for disputing them below. Since this is my second request with CFPB to resolve this matter, I am expecting to receive responses in a timely manner this time. Thank you for your help in this matter. Please see my list for dispute below : Credit reporting agency name : EXPERIAN Alleged account # ( 1 ) XXXX Creditor XXXX   XXXX, account type : Revolving. 

( 2 ) XXXX XXXX XXXX, account type Revolving. 

( 3 ) XXXX Creditor XXXX  account type revolving. 

( 4 ) XXXX creditor XXXX, account type revolving.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I see an account from Bank Of America on my credit report, but I don't know anything about the repayment terms and I can't seem to get a copy of the original credit application or contract. I am requesting that BOFA please provide me with the credit application and contract for this account so that I may better understand things. I am requesting that Bank of America communicate in writing only and not call me on the telephone as I work during the daytime and can not take calls at work.