davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc. (WA)

I received a notice in the mail for a judgement for my husband. The interest rate is at 12 % annually. Based on XXXX effective XX/XX/2019 interest should have been changed to 9 %. In an attempt to consolidate the debt I offered to settle at the original judgement amount of {$710.00}, the woman I spoke with said she could do {$1000.00}. Which would be waiving only {$160.00} of the post-judgement interest. I have explained to them that my husband is in a XXXX XXXX XXXX and I am not currently working. I am appalled that they would charge me additional interest illegally and not be willing to work with given the current circumstances.
Consumer complaint received 2020-04-28
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: CREDIT ACCEPTANCE CORPORATION (CA)

On XX/XX/XXXX this account was paid in full and lien released to XXXX XXXX and reported/updated to all three credit bureaus on XXXX XXXX, stating this account was paid in full and closed. The car I purchased had an acceleration defect in which the dealer I purchased the car from, after several attempts was unable to fix the issue ; I made a compliant to XXXX, who decided to repurchase the car under the California Lemon Law. Under this law it states that if a car is bought back by the dealer or it's manufacturer, all money paid toward the car ( down payment, car notes, repairs, car rentals etc. ) is to be refunded minus the mileage usage. I received a letter dated XX/XX/XXXX as proof of the account being paid in full and closed and lien released by Credit Acceptance, as well as the breakdown of all monies received to pay off the car and what i would receive as a refund. After a couple months Credit Acceptance reopened the account and reported that I owed XXXX, followed by another XXXX a couple of months after that totaling XXXX showing that I owe on all three credit reports. These are the two car payments that were due to be refund to me from the repurchase of the car. I do not owe this money and have disputed this inaccurate information with the credit bureaus numerous times and the company keeps reporting back that they have certified that the information is accurate and for the account to remain on my report as is. So I decided to dispute this account directly to XXXX  on XX/XX/XXXX and uploaded all the proof to verified this account was indeed paid in full/closed per the letter from Credit Acceptance. I received results today, XX/XX/XXXX stating the account status remains the same as me owing, and that the company sent certification again that this information was accurate. I asked XXXX  numerous times to send me the certified information to me so I can review it and the representative named XXXX at XXXX, stated that I would have to subpoena that information if i wanted it. XXXX has not been cooperative and they still insist on not changing the status of this account although I sent them the proof they requested. XXXX is basically taking the word of Credit Acceptance because  they are being paid by that company to report this inaccuracy on my credit report. I am tired of the back and forth with both the company and XXXX. I need help from another agency now.
Consumer complaint received 2022-06-17
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: ECMC GROUP, INC. (MI)

This loan was applied for in my name in 1990. Since then I have been unsuccessful with removing it. Ive even called the Debt Collector and explained to them what happened and they would not listen to me, instead they kept offering me a settlement.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXE XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX SERVICES # XXXX XXXX XXXX # XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-28
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

As a preferred rewards member with Bank of America, I've received numerous offers for opening a XXXX XXXX brokerage account. Funding this account with {$50000.00} makes me eligible to receive {$220.00} in incentive. I spoke to XXXX, and XXXX who said this was not in the terms and conditions. They we're representatives from Maryland, call back number was from XXXX at XXXX XXXX  EST on XX/XX/2020. I wish to have the terms and conditions and my account reviewed at an executive level, as this is false advertising and predatory.
Consumer complaint received 2022-06-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Service Residential, Nevada, LLC (CA)

Date : XX/XX/XXXX Amount : XXXX ( Increasing every week ) Collector : Red Rock Financial Services at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ( The HOA of a house the debtor owns ) Management company and registered agent for the HOA : Firstservice Residential Nevada XXXX at XXXX XXXX XXXX XXXX XXXX, NV XXXX Tel : XXXX XXXX XXXX tries to collect a debt of {$5300.00} ( up to XX/XX/XXXX ) for the HOA, This amount includes : {$4800.00} fine for 2 violations, {$100.00} for Fine of Pre-Collection Notice ; {$200.00} for collection cost ; {$160.00} for intent to lien letter ; {$50.00} Late Charge, etc.

We dispute the debt because neither we or our property management ( XXXX ) ever received any communications regarding the violations or the fines until the collection letters arrived us on XX/XX/XXXX ( Seems they do have our correct address ). We requested a ledger of our account and the citations on the same day. We received a ledger on XX/XX/XXXX but not the citations yet. It is not fair they never send us any monthly, or yearly statements while we pay the dues on the first day of each month electronically since we bought the house in XXXX. Never miss a payment. It seems unbelievable that they would not at first attempt to contact us the owners prior to transferring the debt to a collection agency. They were not fair, careless and negligent. 

If they have inform XXXX or us regarding the citations, we could have corrected the problems in time. XXXX has a dedicated person to handle all the HOA matters. If we got a copy of citation, we would forward to XXXX and follow up the matter. XXXX  supposes to sent them a copy of the lease for their record, whenever a new lease is signed, 3 leases has been sent since XX/XX/XXXX, so they should have XXXX XXXX contact as well. 

Thank you very for reading this and please help us.
Consumer complaint received 2022-06-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MN)

Currently, I have a collection request from Enhanced Recovery Collections, for {$100.00} for XXXX XXXX, opened on XX/XX/XXXX. I am currently still a customer with XXXX XXXX. About XXXX years ago I moved addresses, during this transition I created a new XXXX account to service the new address. I was unaware that I owed any outstanding money to XXXX and even checked my old account, which still shows no amount is due on either accounts, and was never contacted by them about the {$100.00} owed. XXXX had my phone, email, current credit information and current address on file and was still providing me service, but neglected to inform me or charge me of the amount they claim I owed at my previous address. The Enhanced Recovery Collections attempted to contact me, and I truthfully thought they were a fraudulent attempt to acquire my credit information, as why would a collection agency be contacting me for my current service provider that never contacted me requesting payment and did not have any record of me owing it on my accounts along with still providing service while having my credit information on file to charge me at any time? I now understand, as of XX/XX/XXXX, that this collection company is legitimate, after speaking with them their company policy is to not accept any pay in full for deletion letters, despite the lack there of in communication from XXXX leaving me not at fault for this collection request origination. After speaking with XXXX management, the same scenario, a company policy prevents them from contacting the collection agency, leaving no possible way to work out a pay in full for deletion letter.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IN)

A power outage Caused my bank to double charge me on everything I have no access to any of my money my online account says one thing and the bank tells me another. They will not tell me any information other than that and they are trying to fix something I am stuck at a gas station with XXXX kids with no gas waiting for them to respond and let me use my money. All of a sudden there is no online calls available and they will not give any information out over the phone this is extremely frustrated and not to mention I had to cancel their very important doctors appointment today because of this there has been no heads up or any form of communication about this everything has been caught off guard
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

I deposited Checks ( scanned deposit ) - {$5000.00} each XX/XX/XXXX, XXXX XXXX. I let the bank know that I filed my XXXX and that I was accessing my Birth Trust Acct SSI Trust account with my negative financial instruments. TDBank told me that I can not access these funds with a simple checking account and that I must come in and set up a Trust bank account for those transactions. But over the phone I had spoken with a customer service rep with TD Bank and she told me my funds would be released to me by the following Wednesday. I had explained my whole situation to her and she said these funds " Will be RELEASED by the following Wednesday. 

I am the authorized signer on this account and I am alive and making a " Money Order '' demand that TD Bank must honor. A few days before that following Wednesday, TD Bank froze and locked my access to my checking account and online access. Now when I call online TD Bank customer service do not see a checking account ever existing for me. I do not have any past history of debits or withdrawals. It's as if my checking account never existed. 

TD Bank has requested that I come in with a Living Trust so they can set up a Checking Trust account for me. This is hard to do if my funds have been frozen and I do not have access to my funds to pay to get Trust drawn up and notarized.

I should been able to access my funds NOW. TD Bank did not give me full disclosure that they were keeping my deposited checks for months and claiming them as abandoned and then making them financial instruments and placing them on the stock market and making millions of dollars off of my signature and not sharing any of the profits with me. TD Bank is acting as a gatekeeper trying to block me from my money. I demand access to my funds and demand full remedy and claim all moneys made from my banking instruments and signature through my SSI number XXXX ( to access my Trust at the US Treasury XXXX ) and Birth Certificate. I demand funds to be deposited in my restored checking account ending in XXXX. 

XXXX Filing Number : XXXX 15 U.S.C 1666d UCC 3-104 UCC 1-308/UCC 3-419 HJR 192 12 USC 18 USC 8 UCC 3-603/ 3-311 without recourse XXXX XXXX XXXX Beneficiary I living flesh and blood woman who is alive
Consumer complaint received 2020-04-28
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. (MN)

Hello, On XX/XX/2019 I called XXXX XXXX asking to close my account and they confirmed they did ; however, it keeps showing in my Transunion credit report and everytime I file a dispute it keeps showing the wrong information that my account is still open with a balance. I have called both companies and they are both asking me to do things none of them do. It has been an ongoing issue without finding a solution.
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

To whom it may concern, On XX/XX/2022 i receive a text alert from my Bank ( Chime ) that a transaction of {$630.00} was processed by XXXX. I did not recognize this company so I immediately logged into my account and saw that the amount was in fact pending. 
I contacted Chime and informed them that this was an unauthorized transaction and they told me to file a dispute. I filed the dispute once the transaction was no longer pending per their request and they informed me it could take till XXXX for them to complete their investigation. No more than 1 hour later I receive an email from Chime saying they have finished their investigation and there was no error with the transaction and they have closed my case. I asked them to provide me documentations that they used to come to this conclusion and they said they can not do it. I asked them to provide me the IP address that was used to make this transaction and they refused as well. 

I have now been unable to reach out to Chime and they will not connect me with a supervisor, all they do is tell me to email XXXX and I am getting automated standard response.
Consumer complaint received 2022-06-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A. (MS)

I have received several calls and emails from private investigators and XXXX XXXX who says she represents XXXX XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX for an account that has been turned over to them. 

However, I am still receiving bills and have access to make payments directly to XXXX, not XXXX. She has threatened to seize property and come to my location to seize assets in the value of the debt owed. 

The calls are harassing and non-stop and when I advise her that I am contacting the FTC, she ends the call and begins to send emails stating that she's representing the company and telling me what she can do.
Consumer complaint received 2020-04-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I'm XXXX. I live in a hotel. I was able to got a car due to my bad credit.. I purchased a XXXX XXXX XXXX  XXXX XX/XX/XXXX. The loan is from Creditacceptance. I started driving for XXXX/ XXXX to get myself together. I accepted the terms of {$360.00} a month for 60 months. They loan interest rate of 23 percent. The total I would have to pay back was XXXX total. 
For the entire year I paid it. I was also told by the dealership that after a year I can call and negotiate my loan to get the interest lowered. I called the loan company and they said no they can not. I am still paying it. 
As of today XX/XX/XXXX, if I wanted to buy the car outright I would pay {$11000.00}. My car has dropped in valve fast because of the mileage from driving from XXXX/ XXXX. The value if I wanted to trade it i think when I check was around {$2200.00}. Which would leave me owing {$9200.00}. The other problem the car had 2 recalls. I took to the dealership they said it was fix and 5 days later the problem is still occurring. They said I need to buy a new engine and there nothing more they can do. This recall is the reason why my car was smoking and oil was leaking coolant leaking. I guess XXXX do not want to take responsibility for the problem they created. I contacted XXXX, ALSO XXXX MANUFACTURE. SO I CANT DRIVE BECAUSE IM AFRAID MY CAR WILL OVERHEAT AND SMOKE AND I HAVE THIS LOAN TO PAY. PLEASE HELP!!!!!!
Consumer complaint received 2022-06-17
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. (MI)

This loan was applied for in my name in 1990. Since then I have been unsuccessful with removing it. Ive even called the Debt Collector and explained to them what happened and they would not listen to me, instead they kept offering me a settlement.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (NJ)

Approximately 3 years ago I was informed by the DMV of Florida that my address and driver 's license information was compromised. They could not give specific information but told me this was the case. Further details are that I applied for a HazMat endorsement on my license and was waiting about six months and never received it. I went to the DMV to  inquire why and they asked me was I still living in XXXX XXXX Florida at a street address that I do not remember. I told them I have never lived in XXXX XXXX Florida and asked them when and how was my address changed and they had no specific information just that my driver 's license had gone there. Since there was nothing I could do about it I forgot about it until a series of data breaches of my bank accounts occurred over the intervening years since. The first one that I recall is approximately around the time where this vehicle was allegedly late for the first time that I was made aware of. I used a third-party service to authorize automatic payments for this vehicle and they were not transferred to Santander Consumer USA because they had been diverted elsewhere. I was not aware of any problem until I received a written notice in the mail that I was to hand over the vehicle that I had bought through them. I told them of the issue and that I would catch the payments up and find out what had happened to the payments that I made through the third party service on my own time. They said that they understood and that it would not be a problem and they would not report me as late on these issues. Within approximately six weeks all of the payments have been caught up and I thought nothing of this issue until I saw my credit report recently. In regards to the recent supposed late payments I suffered an injury and could not work on the job that I had at that time. I called them and told them I would make partial payments until all of the balance was XXXX which is what I did. Yet again I was assured that it would not be a problem. Considering this agreement which I should have gotten in writing I do not think reporting all of these supposedly late payments is correct or Fair and should be removed.
Consumer complaint received 2022-06-17
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. (KY)

In accordance with the Fair Credit Reporting act XXXX 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 : Also states a consumer reporting agency can not furnish an account without my instructions 15 U.S.C 1692C-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2020-04-28
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. (AR)

Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX  XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX XXXX {$420.00} XXXX   XXXX COLLECTION XXXX {$1900.00} COLLECTION XXXX {$720.00}
Consumer complaint received 2022-06-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (TX)

Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX Last Payment : XX/XX/XXXX Balance : {$1400.00} Original Creditor : XXXX XXXX It was placed for collection and I did not receive any letters from the collection agency.
Consumer complaint received 2020-04-28
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. (AR)

Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX XXXX {$420.00} XXXX   XXXX COLLECTION  XXXX {$1900.00} COLLECTION   XXXX {$720.00}