davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Complaint to the Consumer Financial Protection Bureau ( CFPB ) Subject : Illegal Reporting and Predatory Lending Practices by Credit Acceptance Corporation ( CAC ) Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Respondent Information : Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Summary of Complaint : I am filing this complaint regarding predatory lending practices, a lack of proper notification of vehicle repossession and sale, and illegal reporting of derogatory credit information by Credit Acceptance Corporation ( CAC ). These actions violate federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ). 
XXXX. Repossession and Lack of Notification : In XXXX, my vehicle was repossessed by CAC. Under federal and state law, CAC was required to provide me with notice of the repossession and subsequent sale of the vehicle. No such notice was provided, depriving me of the opportunity to redeem the vehicle or challenge its valuation before sale. 
2. Balance Remaining After Sale : Despite the sale of the vehicle, CAC continues to report a balance owed without accounting for the proceeds of the sale. This lack of transparency violates my rights under the Truth in Lending Act ( TILA ) and undermines my ability to validate or dispute the debt.

3. Derogatory Credit Reporting : Since the repossession, CAC has been reporting derogatory remarks to credit reporting agencies, causing significant harm to my financial standing. I believe this reporting is both inaccurate and unfair, violating provisions of the FCRA. Specifically : The reported balance does not reflect proceeds from the sale of the vehicle.

CAC failed to provide sufficient verification of the debt upon my request.

4. Emotional and Financial Impact : Due to these actions, I have been unable to move forward financially. The derogatory marks on my credit report have prevented me from obtaining housing, employment opportunities, and fair access to credit.

Requested Resolution : I request that the CFPB investigate Credit Acceptance Corporations predatory lending practices and noncompliance with consumer protection laws. Specifically, I ask that : All derogatory remarks associated with this account be removed from my credit report immediately.

CAC provide a detailed accounting of the sale proceeds and balance calculation for the repossessed vehicle.

Appropriate fines and penalties be levied against CAC for their noncompliance.

Restitution for financial and emotional harm caused by CACs actions.

I appreciate your immediate attention to this matter and look forward to your response.

Declaration : I declare under penalty of perjury that all the information provided in this complaint is true and accurate to the best of my knowledge. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-01
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: EQUIFAX, INC. (NY)

I understand that you are asking for additional information. I also know the law allows you to ask for additional information to prove my identity. Well, I sent you all the documents that you requested in my first complaint. Why are you asking me to send this information again? Right now, I cant get approved for credit that Im seeking due to inaccurate items on my credit report. 

And when your company asks for more information even though I sent it, Im disappointed at the way your guys are handling my disputes. I have complied with your request by attaching the proof that you are requesting.
Consumer complaint received 2021-07-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

I reviewed my credit report and noticed a medical debt from Medical Data Systems INC. I reached out to them to inquire about the debt and they sent me some paperwork in which it violated my hippa rights. They had personal information showing my procedures and medications. I never signed a hippa form to release this information.
Consumer complaint received 2021-07-01
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have noticed the following accounts reporting incorrectly for the following reasons : XXXX  XXXX XXXX account # XXXX reporting I was 30 days late XX/XX/XXXX, this was during the COVID-19 shutdowns and is not accurate. I paid this account timely for over 7 years. Please remove the 30 day late that was furnished to the credit bureaus in error. 
XXXX  XXXX XXXX account # XXXX Inaccurately reporting I was late 30 days in XX/XX/XXXX. Please update this negative information furnished to XXXX, XXXX XXXX TransUnion correctly. 
XXXX  XXXX XXXX Mortgage account # XXXX XXXX I was 120 days late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This is not accurate. The account was paid those months. 
Therefore, pursuant to the FCRA and FDCPA, I am requesting an investigation, as the accounts listed above are not being reported accurately. Additionally, I am requesting proof that you did investigate and the investigation was reasonable according to the standards set forth by the FTC. Please, 3. Provide me with proof of the method used to investigate all claims. 
4. Provide me with a complete and updated credit report.

Additionally, I am asking the above creditors to behave appropriately during this investigation period, if any action is taken which could be considered detrimental to my credit, furnishing false information to other creditors with respect to this account during the investigation period, that would be in violation of the FCRA, FDCPA and FBCA. This includes any information to a creditor that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
Consumer complaint received 2021-06-23
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. (NY)

I did not consent to, authorize, nor benefit from any of the following inquiries and collections. This is a violation of 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX XXXX : XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX  : XX/XX/XXXX XXXX/XXXX  : XX/XX/XXXX XXXX XXXX, XXXX XXXX : XX/XX/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
Consumer complaint received 2021-01-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (OR)

Mortgage company, Lakeview Loan Servicing XX/XX/XXXX payment was sent by XXXX  via Bill pay on XX/XX/XXXX ( for a scheduled payment XX/XX/XXXX ). The payment had not posted by XX/XX/XXXX. I contacted the loan servicing agency who stated they had not received the payment and advised me to stop payment and make the payment via their website. I stopped the payment. I did not have the loan number and therefore contacted Lakeview Loan Servicing, ( which was absolutely cumbersome, difficult to speak to a representative after multiple prompts and extensive waiting times ). After I obtained the loan number, I then made the payment through their website. On XX/XX/XXXX, I received a late payment notification via US Mail. I called the Lakeview Loan Servicing ( which again, required extensive time to reach the appropriate department ), to attempt to resolve the issue, request that I would not have a late payment and not have a derogatory remark on my credit report. I was assured I would not have either. On XX/XX/XXXX, I received notice via email that the payment had posted! Again, I phoned the company to advise them of the payment I made via the website and the stop payment. I was told there would not be an NSF fee. And assured this delay in payment posting would not reoccur. I have since received my monthly statement with a late payment charge and an NSF fee notice. 
Background : previous payments have always been paid via XXXX and always received by the due date. My XXXX payment, paid by the same method, was posted on XX/XX/XXXX. It is my opinion that XXXX XXXX XXXX made the error of not posting the XXXX payment by the due date. 
I have contacted my bank, XXXX, who will be sending Lakeview Loan Servicing a statement of proof showing when the payment was sent.
Consumer complaint received 2021-01-17
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$58.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$58.00} -This is not my account.
Consumer complaint received 2021-03-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

XXXX XXXX XX/XX/2021. 6 late fees due to covid 19. I was unable to pay my monthly car note of {$510.00}. These late fees on my credit report is affecting me to be able to move forward in my personal life. I lost everything. I signed up for the covid relief program not aware of the company to continue to report 30 and 60 days late to my credit report.
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Went in the dealership to apply for a lease with XXXX XXXX. I told my sales rep that I only wanted to look into leasing a vehicle and do not want to have several inquiries on my credit report. The rep reassured me that the dealership pulls the credit and then XXXX XXXX pulls it. I was very clear that I do not want anyone else to obtain my credit report. After leaving the dealership I noticed that they allowed 6 other banks to pull my credit and resulted in hard inquiries to purchase the vehicle instead of leasing. I was extremely upset because I expressed that I did not want this to happen. I then spoke to the XXXX XXXX XXXX and he told me he can run it through any bank he wanted to and then hung up on me. I feel they took advantage of me. This was extremely unfair because I told them my concerns and they deceived me by doing it anyway. I would like this addressed and to get the additional inquiries removed that was not from XXXX or XXXX XXXX.
Consumer complaint received 2021-04-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc. (MS)

Disputing items listed on the attached letters due to FCRA 623 ( a ) ( 7 ) -negative information, FCRA 605 ( B ) FCRRA 623 9a ) FCRA 605 ( b ). There are addresses not belonging to me and have been spelled out in the letters attached. I have been caught in the XXXX  data breach and have submitted my affadavit to all bureaus, which is also attached. I am disputing negative info listed on the letters attached. I have called each bureau regarding my issues listed on each letter via USPS, fax, and electronic upload and to no avail. There are unauthorize accounts on each bureauand have been listed in each letter. Please remove these items as my family is displaced and this is preventing me from providing necessary shelter.
Consumer complaint received 2021-01-17
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have a Walmart credit card. Unfortunately, Walmart transferred credit card management to Capital One. I was away from home getting help for a special needs child and not aware that switch was made. Every time I logged on with Walmart credentials I used to pay on Walmart credit card, system rejected my entries. When I called I was not able to get help because I did not have my Walmart credit card number. 

When I finally realized the unfortunate switch was made to a Capital One, I explained that the reason i was late is because of the transition to a Capital One. The ask was for Capital One to retract The late credit reporting to credit bureaus and Capital One downright refused!
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I recently pulled my Experian credit report ( which I do everyday ). And I noticed a change from XX/XX/XXXX to XX/XX/XXXX. The report prior to XX/XX/XXXX seemed to be normal. The report on XX/XX/XXXX had XXXX point ( mortgage ) score droppage overnight ; however, nothing has changed on either report. I have fine tooth combed both reports and see no change other than the score droppage. For the FICO 2 score, it states that I have " consumer finance '' accounts on report XX/XX/XXXX ; however the report on XX/XX/XXXX and the ones prior, that was not listed under the FICO 2 reason for the score. I don't understand why this has happened ; but I think this is incorrect somewhere and I would like higher level personnel to take a look at this. I have attached both reports for your review.
Consumer complaint received 2021-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service (AE)

On XX/XX/2021 I was reviewing my credit report and noticed a negative entry added to my credit report by Military Star Card, stating my payment was late 30+ days with a XXXX past due amount. This information is inaccurate as I have never been late on a payment with my Star Card. In addition to this, it make no sense for a payment to be late with a {$0.00} past due amount. I respectively request for the negative entry to be removed from my credit report.
Consumer complaint received 2021-01-17
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: CNG FINANCIAL CORPORATION (CA)

XXXX  XXXX  aka Check N Go are reporting to both my XXXX  and XXXX credit reports that this account is charged-off and is closed and past due for more than {$1400.00} dollars in past due payments none of which is true. 

I spoke to the this creditor 's branch office at phone XXXX XXXX XXXX and was advised by XXXX that the account was not charged-off, but 30 days past due. I didn't agree and asked for an itemized statement on XX/XX/2021 which was met with the excuse that she would email her manager to get an itemized statement. I paid the allegded past due payment without proof that the account was past due. 

I contacted XXXX  to have the item disputed. They didn't updated to reflect current accurate information that account was not charged-off. 

I contacted XXXX  XXXX  corporate office referred to the collection department and was advised account was not in collections and was referred back to branch office to resolve this matter. Branch office when contacted said they don't have authority to make corrections to credit report but did agree that account wasn't charged-off or past due.
Consumer complaint received 2021-01-17
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. (TX)

After contacting XXXX XXXX in the customer care department regarding the inaccurate and incorrect information that XXXX XXXX  is reporting on my credit report, I received a letter from XXXX stating that this account is reporting accurately. This claim of accuracy is false and XXXX/XXXX  failed to do a reasonable investigation regarding the accuracy of this account. List are the inaccuracies that are still on my Transunion credit report : 1. The High balance is incorrect. 2.The last payment shows XX/XX/XXXX but my payment history shows my last payment to be on XX/XX/XXXX. 3. There is a charge off only after a 60 day late in my payment history. 4. The remarks shows paid in full, is the accurate? 5. There is no date of last activity. 6. The close date is inaccurate. 7. The account number is inaccurate. XXXX   report : 1. Shows no payment history, but Transunion do. 2.The Delinquency First Reported date has been re-aged several times lastly to XX/XX/XXXX. How is this account reporting accurately to the CRA 's as claimed by XXXX in customer care?
Consumer complaint received 2021-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have XXXX XXXX ACCOUNT / XXXX ACCOUNT closed on my Transunion / XXXX and XXXX, I already disputed with the company and they said they would remove it and would contact the credit bureaus, and the credit bureaus have not helped or removed it, even though TRANSUNION / XXXX / XXXX  agreed they would remove within 48 hours because they were unverifiable. it has been months now and it hasn't been removed and it is affecting my credit score and way of living.
Consumer complaint received 2021-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In XXXX of XXXX, XXXX  announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to XXXX, transunion, and XXXX  but not haven't got a response. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the XXXX Data Breach Settlement given to me by XXXX  credit bureaus. Please delete inquires, collection item, closed accounts, and previous addresses. Thank you.
Consumer complaint received 2021-01-17
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. (FL)

My child support case/account was added to my credit report as a collection account in error. After disputing this matter with the Department of Revenue, they agreed that the reporting was in error and provided me with a letter stating that the account would not report at all because it was reported in error. It is an open child support case in which payments are payroll deducted so I am clearly in compliance and paying as ordered by the courts. As such, I am hereby demanding to have this adverse account removed from all THREE credit bureaus because it is negatively impacting my credit profile.
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: First American Solutions, LLC (CA)

My payment was made out on the XXXX and I haven't received it they said that there's fraud on my name I'm not understanding what I need to do and I'm not seeming to get the right help I need my information is not the same because I can't get into my account so let me somebody is doing fraud on my name please help thank you