davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (ME)

In XXXX of XXXX, I co borrowed for a XXXX financed by Credit Acceptance Corp. Payments remained in good standing until XXXX of XXXX when the other borrower left home with the vehicle and never came back. Since then, every payment has been at least 30 days late. I do not have access to this vehicle. I do not insure it. I am not on the registration. I have tried countless times and multiple phone calls to resolve this. I have begged for them to repossess the vehicle since it is currently over 90 days past due, with no attempt to make payment since XX/XX/XXXX. Ive asked to surrender it. Ive asked to remove my name in anyway. I can afford this vehicle but they wont even help me get possession back of it. It has ruined my credit. I dont understand why they wont just take the vehicle or even just give it to me and Ill deal with it. The person who has it doesnt have a job anymore and hasnt since the first late payment. He has missed more payments even on the payment arrangement than made. Its hurting me more to let him continue to mess up every month then it would to just take it from him and ding me for the next 7 years. I am a good hard working person trying to do the right thing but they are catering to a XXXX XXXX  grown man with no job. He doesnt even insure the vehicle, his mom and dad do. Please take my name off of this. If I had possession I would either sell, refinance, surrender, or pay it. But I shouldnt have to suffer because this car company doesnt want to do anything about it.
Consumer complaint received 2022-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

On or about XX/XX/XXXX, I inquired with XXXX by providing a letter, asking if they would remove derogatory information from my credit profile which is reported to the three credit agencies. The attached letter will provide the background information for my request to remove the derogatory information, but I will provide some brief context. 

I submitted a few request to the credit agencies disputing the accuracy of what was being reported to my credit report as I believe it was not accurate. 

I purchased a vehicle in XXXX, which XXXX financed. In XXXX, XXXX took repossession of the vehicle because I was unable to payment. I received notification the vehicle would be repossessed. The vehicle was sold for more than what it was worth ; thus, I received a check for the excess. XXXX did not follow Georgia 's O.C.G.A. 10-1-36 law as it relates to notification where the the creditor must notify you of the time and place your car has been sold. 

I reached out to XXXX in XX/XX/XXXX to ask if they would be willing to remove the derogatory information from my credit report and after speaking with a representative of the CEO of XXXX, the young lady stated that would not be possible. She said by law they are required to report to the credit agency which I indicated was not the case, but a choice. A choice that I signed allowing XXXX to conduct when I signed the vehicle purchase agreement. The young lady also stated that the derogatory information would fall off my report in XXXX of XXXX. 

I take full accountability for not paying my obligation ; however, had I known there was a possibility of me retrieving my vehicle back, then I would have taken that option rather than damage my credit for 7 years. 

My dispute is in accordance to Georgia 's O.C.G.A. 10-1-36 law, the repossession process was not followed completely by XXXX ; especially since they were unable to provide the letter indicating the date/time/location of the sale to me.
Consumer complaint received 2020-10-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (IN)

Wells Fargo Dealer Services repossessed my vehicle lawfully. I do not dispute I defaulted on the loan. I am disputing the remaining false balance that remains on my credit report. I called on their recorded line ( I did not record the call, they did ) to pay the balance on my credit report of roughly {$1600.00}. I was told I can not pay the balance because Wells Fargo Dealer Services has discharged the debt and is no longer pursuing the debt. The debt was charged off and discharged with XXXX balance on XX/XX/2020. I was told, on a recorded line, that the debt will show as XXXX balance on my credit report and there is nothing I can do to pay it off. My complaint is that they are still reporting a balance of roughly {$1600.00} and it is hurting my credit score. I have disputed this several times, tried to reach out to the company, wrote letters and still nothing is being done. I want to either pay the balance or remove it from my credit report.
Consumer complaint received 2019-10-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (SC)

I purchased a XXXX XXXX with gap protection in XXXX. My auto was total loss XX/XX/XXXX. My insurance paid about XXXX leaving me with XXXX. I was under the impression that the gap would pay the balance. I filed a complaint with the Chrysler Capital and it went to a few supervisors. They advised because I used the deferment option that it voided the gap. This was never advised when purchasing the product. I was left with paying a monthly payment for a car that I didn't have and had to purchase another auto and had a payment on my new auto. I couldn't afford to not make the payment because i was worried about it affecting my credit with purchasing a home. Also my mother was cosigner and I couldn't gamble with messing up her credit too. This went against my debt to income ratio because I had to purchase another auto. I did research and saw that this happens alot. I work in finance and see charged off balances all the time. My customers advise they had a total loss and that was the balance gap didn't cover. I never understood until it happened to me. I am out of XXXX because I had to pay it off and couldn't afford to manage two car payments. I want my money back because this was not explained when purchased and they never offered a refund for the gap coverage or tried to meet me in the middle with anything. This is unacceptable and they should explain what disqualifies you so that people now rather they want this coverage. Things happen in life and sometimes you aren't able to make a full payment.
Consumer complaint received 2019-10-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (TX)

Collection : commonwealth financial systems- have a medical debt from XXXX which is {$7100.00} this debt is a medical debt, this is an incorrect and a wrong debt- I called the collection company months and months calling everyday asking them to email me or fax me or mail me a copy of this bill any information regarding this bill that never happened, I disputed it they said I have to send them proof of insurance I did, I was given the wrong email over and over again. They never gave me a bill/ never gave me their email address to send them my insurance proofing I been having insurance and this is not my BILL that was something not covered by my insurance as my insurance was never ran. 
I finally spoke with manager they gave me a wrong email again, I called her back demanding her to send me an email so I can reply back to the email and send my insurance information ( I sent proof of insurance since XXXX ) then still they did nothing they refuse to remove this from my credit, they refuse to do ANYTHING regarding this issue, I disputed it with XXXX  5 times so far it comes back as accurate however when I call them asking them how is this accurate they said they have no information.
Consumer complaint received 2023-04-04
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. (CA)

" n accordance win the Fair Credit Reporting act. The List or accounts below nas violated my rederally protected consumer rignts 10 privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX XXXX, Account name : # XXXX XXXX, Account name : # XXXX XXXX XXXX, Account name : # XXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-24
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (WI)

Financial Asset Management System contacted me in XX/XX/XXXX with a letter stating that I owe more than {$2000.00} for a student loan that originated with the University XXXX XXXX XXXX in XXXX. 
I had previously paid this loan in full to XXXX XXXX XXXX over a period of several months, with the final payment in XX/XX/XXXX. 
I called FAMS and let them know there had been a mistake. The Customer Service person I spoke with said this is not unusual -- that XXXX had sold a loan to her company that we had already paid. She asked me to forward the documentation I had to the client services team and her supervisor. I did so and also filed a dispute with XXXX. 
Today I was informed my dispute was denied. I can not get a response from FAMS. I did however recently receive a second collection letter from them.
Consumer complaint received 2019-10-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Funding Balance {$1200.00} I am writing because I received letters, phone calls at my job regarding a debt that the above company has. Once I received letters I responded with a letter to validate this debt because I was not aware of this company. I did not hear back from the company. Instead I received a summons in the mail to appear for Pretrial mediation. I sent a validation letter to the credit bureau once I received this. The accounts with midland funding has now been closed. I spoke of this to the companies lawyers and yet she was still trying to collect XXXX from with with {$250.00} in court fees. I responded to please show me a legal binding contract with my signature. I also requested financial statements of the debt. Credit card statements are not validation of debt. I needed to see all the financial records to ensure the accounting is correct. I asked for a break down between principal and interest as to how they arrived at this amount of {$1200.00}. No one has validated my debt but here I am with XXXX kids, low income and being sued on a debt I have no knowledge of because this company has ignored my validation letters. This has caused me time of work and I just returned to work from having a XXXX. I have doctor bills that I cant even afford and Im being sued by this company that cant respond to my letters. Please help me with this so they can understand that this is not right. They dont care about anything but trying to take money from poor struggling families
Consumer complaint received 2022-10-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (NJ)

This company called pay pal illegally charged my card, but I never authorized them to use my card, may be someone misused my card and I want the refund immediately, I never used that company service or ever heard about them
Consumer complaint received 2022-10-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

Portfolio recovery has been calling me for XXXX years or more. This is my adult sons Debt not mine or my wifes. He hasnt lived here at our home for many years. I have informed portfolio collectors many times of this they say ok then continue to call from random numbers even from local numbers including my friends and neighbors.
Consumer complaint received 2022-11-07
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. (TX)

I have contacted transition and XXXX and they have not corrected a collection account that does not belong to me. I dont have money to subscribe to their membership. I already pay for XXXX with XXXX. XXXX opened a fraudulent account and has not been able to prove its legitimacy. Transition and XXXX need to remove this collection account under identity theft rights. These companies do not show a security freeze for identity theft despite my requests.
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-12-05
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: CITIBANK, N.A. (TX)

On XX/XX/XXXX, I was notified of an added account " CBNA/THD ''. I was going to look into and got busy with work. A few days later, I received a notification from XXXX XXXX of a new added account that matched above. I stopped what I was doing and looked into it further. I received on the same day notification from XXXX XXXX of a new added account, " CBNA/THD ''. 

I submitted disputes with XXXX, XXXX and XXXX. Recently I received notification of the results being " ACCURATE ''. 
It showed a phone number of who to contact if I want to continue disputing if I found the results to be incorrect. 

On Saturday, I called XXXX 6 times. 
One time, I input my social and the system couldn't verify my information. 
Four times, I was transferred to an automated machine for Home Depot, they couldn't verify my information with the last four digits of my social. 
When I called back Citibank, I requested to not be transferred due to getting an automated machine and not getting a chance to speak with a person because I can't be verified. A representative at Citibank couldn't find my information either besides my XXXX XXXX card. I told the representative that is exactly what I'm trying to dispute that I don't have this Home Depot card and their system can't verify my information so how is this account opened under my name. I was transferred over to the same company Citibank but to a department that opens loans. 

I'm not sure how the disputes were investigated if Home Depot and Citibank 's information can't verify me. I don't have a application number since I never started one with them.
Consumer complaint received 2024-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IN)

I initiated a XXXX transaction to my other account at XXXXXXXX XXXX XXXXXXXX for the amount of {$500.00} on XX/XX/year> and was then prompted that it couldnt go through and was later locked out of online banking with Citi Bank. I called their Toll-Free line and was told that they cant verify me because I didnt have the account number because the account was established approximately 4 days ago but I had emails with the last 4 of the numbers. Still couldnt verify my identity even though security questions provided were correct as well as social. I then was provided a number to their fraud department. I contacted them and was told that the account was unlocked and was locked because the Token ID for the recipient ( me ) was invalid and she had lifted the unlock and online banking was restored. After XXXX minutes ( at approx XXXXXXXX XXXX ) I attempted to access the web interface and was prompted with You Information doesnt match our records I call again and was told that the account is under review. I tell the representative that I had called earlier and was told that the account was unlocked but then he just kept telling me that the account was locked and under review and I will receive a reply within XXXX hours with no efforts to expedite. I ask for a manager and a manager expedited the request ; however, I asked to speak to her higher up. After speaking with her higher up, he informed me that the account investigation would be completed TODAY and have not received anything ( XX/XX/year> ). Voice recordings are available if needed as part of cfpbs investigation
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Just tried to open an online savings account with XXXX ( XXXX ) XXXX ; my application was rejected based on my " frozen '' credit info at Experian and XXXX. Experian and XXXX are both full of XXXX -- I permanently unfroze my credit at all 3 credit agencies in XX/XX/2019 after a long, drawn-out verification process imposed by 2 of the 3 agencies, and unfrozen credit was confirmed by my mortgage lender in early XX/XX/2019. 

I have NOT requested my credit be frozen since it was unfrozen in Spring, 2019. XXXX XXXX insists that Experian and XXXX reports show that my credit is still frozen, and that they are powerless to change anything supplied by those two credit bureaus.

I am requesting that 1 ) my credit be unfrozen permanently, and 2 ) that my name, credit info, and all material information relating to my identity be removed completely and entirely from XXXX and Experian 's databases and that I never have my otherwise happy, productive and credit-free life interfered with again by them or their interests. Thank you, God. Amen.
Consumer complaint received 2021-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

American Education Service has been communicating incorrect information regarding my student loans qualification for Public Service Loan Forgiveness. 
In 2013, I enrolled in an Income Based Repayment Plan following being denied for Teacher Loan Forgiveness with them. I have been paying on the Income Based Repayment Plan since 2013, as a requirement for PSLF. 

Last summer I did some reading regarding loan forgiveness as I was planning to buy a home. I discovered that I had FFELP loans do not qualify for PSLF. These loans would never be forgiven as they are not Direct loans. Further, I needed to consolidate them as Direct loans with another company I contacted AES and made a complaint. I then consolidated my loans with Fed Loan Servicing, not knowing that these two companies are sister companies. 

I understand that it is my responsibility to read. However, I was following the recommendations of a specialized department that handled loans. 

I truly don't want to start over. I am seeking to gain those years back that I paid on IBR. Additionally, I am working with the sister company of AES, which is very concerning because they have been misguiding me for years. I have submitted a complaint with their Solutions Department and I have not received a response. I have also shared this with their sister company Fedloan Servicing. 
After continual sharing of my problem with Fed loan Servicing. A FedLoan representative shared that AES notes state that they recommended that I consolidate in 2013. This was blatantly untrue and I am concerned that FedLoan is covering for American Education Service. Additionally, despite receiving the alert that the Fed Loan was recording the call, they shared that I was not allowed to record the communication.
Consumer complaint received 2019-10-24
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. (GA)

The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!
Consumer complaint received 2022-06-16
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. (FL)

In accordance with the Fair Credit Reporting act 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 2022-10-06
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)

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate. This ground for removal they also violated my rights under. 

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 instruction. 

Also the Credit Bureaus took more than 30 days to complete my investigation here is my certified mail tracking. Number XXXX