davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-20
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

Hello my name XXXX XXXX Im a victim of credit acceptance I have purchased a XXXX XXXX XXXX from a dealership in XXXX called XXXX XXXX their lender banking was with credit acceptance I had my car for three years I was doing my best to make the car payment my car I got repossessed in XX/XX/XXXX they took my car for a month I had to pay {$1500.00} to get it back out I called the company and explain to them that I just had a baby and I asked them why did they take my car in they were supposed to repossess any car between 3 to 5 months day did not follow the law of New Jersey this year of XXXX I found out that Credit Acceptable had got sued by Massachusetts for fraud misleading information they also were getting consumers into contract they had high interest in ratings they had hidden fees and it was repossessed in people car less than three months. I did my research about Credit Acceptable there was so many bad views about this car later Massachusetts New York Delaware and New Jersey have all took them to court because a lot of consumers was complaining about their contract some of the people that was trying to get in contact with them either the customer service will give them the runaround Not give them full information and also repossessed in people car without their knowledge California has sued them for the same thing New Jersey still have a pending on the case with a lawsuit and a settlement and I am file this claim to see if I am eligible for a settlement. I also need someone to contact me at my cell phone number XXXX the only thing I would like for this to resolve itself that I would like to get my money back from this car and go about my life Ill pay {$470.00} every two weeks which is supposed to be per month Any time that I try to dispute any negativity that they put on my credit report they will put 30 days late 60 days late 90 days late all I ask is please investigate this company and look at the reviews of this company they are scamming people out of their money repossessed and people car not being truthful about what they are doing because a lot of people are hurt behind this the docket number case is XXXX XXXX XXXX XXXX XXXX XXXX the court house in New Jersey the case is pending with XXXX XXXXXXXX XXXX XXXX this a class action against the car lender. Please dont let theses people get away I owe XXXX on my car. Im doing my best to make my payment. They are reporting to 3 credit buena every month that Im late. Im a XXXX XXXX XXXX XXXX doing my best.
Consumer complaint received 2022-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-12-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I opened an account with Truist bank in XXXX, Florida. I deposited my end of the year bonus check from my employer in the amount of {$10000.00} into the account. They told me there would be a hold until XXXX, which was fine. The next day my account was locked and closed. I have called several times to the fraud department, which is who I was referred to contact. 
Most of the time I spoke to someone I was told by them that it was a fake check and the funds are kicked back. Which is absolutely false. I explained to them that the Check had already cleared the bank on the other end and I had proof. I was told I had to wait longer. I was told to go get my money from a local branch. I was hung up on and put on mute as though they had no correct answers. I was told that its still under review. 
I have no faith that they will return my money that they have. Since I do not have this money now I have late fees on bills and this check was for the holidays for my family.
Consumer complaint received 2022-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I asked them to investigate my credit report and validate the information they are reporting on XX/XX/2022. I sent a 30 to comply on XX/XX/2022 and it is XX/XX/2022 and I have yet to hear anything about the investigation.
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (CA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (CA)

judgment in XXXX writ in XXXX paid from XXXX XXXX XXXX balance was never updated reporting XXXX owed on credit reports only owed XXXX paid most minus XXXX still reporting delinquent and past due never updating reports balance
Consumer complaint received 2022-01-13
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. (NY)

When I checked my Equifax credit report I noticed that there is duplicated hard inquiries on my Equifax report, please remove duplicated inquiries below XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX ) XXXX XXXX XXXX XX/XX/2021 2021
Consumer complaint received 2022-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Fifth Third bank is servicing my loan. Like all banks operating in todays market place, banks allow users or customers to pay their loan online through online bank. We can all agree, online banking is a standard in todays market place. Every bank EXCEPT Fifth Third bank makes it easy for customers to select or initiate automatic payments online through user profile or settings. 

Fifth Third has processes in place which make it extremely difficult for customers to sign up for automatic payments. They do this on purpose so customers do not sign up for automatic payments, are exposed to expensive fees, and then Fifth Third charges customers expensive late fees when they miss their payment or accidentally miss their payment. 

Fifth Third requires customers to print off a form, sign it, fax it or mail it. They do not allow an easy process such as online enrollment for automatic payments like every other bank. They also require sensitive information on the document such as account number, billing bank account number and routing number on their form. This leaves customers open and susceptible to fraud as the document that is faxed sits in a receiving fax machine for anyone to look at or simply gets lost in the mail if mailed. 

Fifth Third knows the game they are playing, they figure if they make it challenging for customers to sign up for automatic payments, let alone maybe some customers don't have a printer or mean to mail or fax and then exposes customers to expensive unnecessary bank fees. 

If Fifth Third gave their customers an online selection to initiate automatic payments then they would miss out on charging customers unnecessary late fees. 

Fifth Third is taking advantage of people, please do something.
Consumer complaint received 2022-07-19
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. (NY)

I have disputed these accounts numerous times already which resulted from alleged identity theft. Again, Im sending over identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. The accounts need to be removed as it is fraudulent : XXXX XXXX  XXXX Balance {$5600.00}, XXXX XXXX  XXXX Balance : {$2400.00}
Consumer complaint received 2022-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I checked my credit report I noticed that there is duplicated hard inquiries on my TransUnion report, please remove duplicated inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NY)

I have my mortgage and my checking account with TD Bank and I pay my mortgage via online transfer on their website every month on the first of the month. Their website only shows the total outstanding balance on the mortgage, not the monthly payment, and I haven't been receiving statements so I pay the same amount each month. In XXXX I paid my mortgage on the first of the month like I always do. On the XXXX, XXXX days after the grace period to pay, my husband received a phone call from TD Bank that my mortgage hadn't been paid. I called them immediately and I was told that my mortgage had increased that month by {$82.00}, which I had never been made aware of, and I was short that amount. I went online during the phone call and immediately transferred over the additional funds to cover the full amount and I was told that the late fee would be waived. Today I was told, over the phone when I called to confirm the amount of my payment since I am still not receiving mail from the bank, that there was an outstanding late fee on my account in the amount of {$23.00} that could not be waived. My actual mortgage payment, the amount that I owe TD Bank, was paid on time, but they chose not to apply any part of my payment until the received the additional amount, which they did not notify me about until after the late fee was applied and which I paid immediately upon learning about it. I have XXXX bank accounts with TD Bank, so they already have all of my money. They should not be charging a late fee on an account that was paid on time to the best of my knowledge with the information that they had provided to me.
Consumer complaint received 2022-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2022-12-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (MD)

On XX/XX/2022, I opened an account with TD Bank and attempted to fund the TD Bank account from my XXXX XXXX account with a transfer of {$1000.00}. The funds cleared from my XXXX XXXX account and after XXXX  days of the funds being cleared I closed the XXXX XXXX account. However, XXXX  days later ( XX/XX/2022 ) TD Bank decided to reject the funds, sending them back to where they originated ( XXXX XXXX ). Because the account was closed, XXXX automatically rejected the return and sent the funds back to TD Bank. However, the funds never reached my account at TD. I spent several hours calling both banks, the final answer I got from each bank was that they do not have the funds, they each said that the other bank had my funds. XXXX is claiming that they sent my money to TD Bank, but TD Bank is claiming that they never received my funds. I have spent countless hours going back and forth on the phone with both companies for over XXXX months. Now I have been missing {$1000.00} ( all of my savings ) for over XXXX months, and I really need my money. Neither bank has been able to help me get my funds back. I understand that there are complications when funds are returned to a closed account, but considering that everything was done electronically, it should not be this hard for the banks to figure out how to get me my money back. Both XXXX and TD Bank have failed me as a consumer.
Consumer complaint received 2022-12-06
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CNG FINANCIAL CORPORATION (IL)

During the year of XXXX I took out a Payday Loan of XXXX dollars at the store location : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX which is no longer open for business now! It is closed down! I paid this company XXXX dollars back but was unable to pay the interest amount to them due to the Pandemic. I was told since I default on my payment plan I XXXX to start over and pay XXXX dollars to them. After talking to Check N Go on yesterday, I was told my account was sold to a XXXX XXXX called : XXXX XXXX XXXX located : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. XXXX have harassed me with phone calls threatening to have me served at home or my work with papers. Even after me telling this company I just had XXXX XXXX and other illness they continue to harass and threaten me. The lady told me she didnt care. 
Please.help me to solve this problem! 
Thanks! 
XXXX XXXX XXXX
Consumer complaint received 2022-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 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: Experian Information Solutions Inc. (SC)

XX/XX/2022, {$990.00}, XXXX XXXX Bank has violated the laws. This account was opened from identity theft / fraud. 

I HAVE NEVER GIVEN XXXX XXXX BANK CONSENT TO COMMUNICATE WITH ME. 

I HAVE NEVER RECEIVED A LETTER FROM XXXX XXXXXXXX BANK TO REQUEST A VALIDATION OF DEBT. 

EXPERIAN, PLEASE CHECK THE ( ADDRESS ) OF THE ORIGINAL DOCUMENTS AND COMPARE THE ACCURACY. I DO NOT HAVE THE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX on my Experian public address. I never lived at that address. Why is this account reporting on my credit report? 

XXXX XXXX XXXX XXXX - Communication in connection with debt collection ( a ) Communication with the consumer generally 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 XXXX not communicate with a consumer in connection with the collection of any debt not provided me a validation of debt letter. I have requested a validation of debt. 


I AM REQUESTING VALIDATION OF DEBT FROM XXXX  XXXX BANK Section XXXX ( b ) XXXX XXXX XXXX XXXX - ( a ) Notice of debt ; contents Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.