davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MO)

I am a consumer, a Federally protected Consumer and my name is XXXX XXXX. I am exercising my consumer rights and I am informing you that Credit Acceptance Corporation is violating my consumer laws. On XX/XX/2022, I sent a letter to Credit Acceptance Corporation and this ILLEGAL REPO of my vehicle. 

Reading the FCRA, Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is a Direct violation of 15 U.S.Code 1692e ( 4 ) and it's fraud and illegal in the collection of any debts. 

They are in violation of 1692d ( 4 ) - advertisement for sale of any debt to coerce payment of the debt. ( debt parking ) .Credit Acceptance Corporation is basically debt parking this account on my credit report and that is illegal. The advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the FTC. 

Once this illegal repo was taken place, I was suppose to receive some documents. The documents that I was suppose to receive was the Contract before the sale, Deficiency Documents, Redemption Documents, and Finance Documents. Also, I never received a response from the letter that I sent in on XX/XX/2022. What they are doing is unfair and it is illegal. Please protect my consumer rights.
Consumer complaint received 2021-06-02
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. (MI)

On XX/XX/2021 XXXX XXXX XXXX agreed to settle a collection as paid and to delete the tradeline from my credit report. I disputed the incorrect information with all 3 credit bureaus and the account was updated to reflect the {$520.00} paid but did not delete the account per the letter from the collection agency. This tradeline is hurting my credit score.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

I'm filing this report because I have been an identity theft victim. Earlier this year, I discovered that I'd been an identity theft victim after I requested a credit check to be conducted because I was interested in home purchases and wanted to know if I would qualify for a mortgage loan. Unfortunately, my realtor told me the terrible news that several accounts on my credit report are either delinquent, late, charge-offs, or collections. Therefore, I requested that he re-run a credit check to ensure he has the correct file or if he made an error because I know I do not have credit card accounts or any outstanding loans. After my realtor re-runs the credit check, he shows me the credit report and several accounts the credit bureaus are reporting on my credit report. Therefore, I assessed the damages for the first time, which was approximately {$71000.00}. 
Consequently, I filed a police report with my nearest police station, the XXXX XXXX XXXX. However, after filing for the police report, I re-assessed all the damages, which was over {$170000.00}. I discovered that there were more accounts than I anticipated. I informed the police detective working on my case and asked her to add all of them together on her report after I discovered the other accounts, which she did, and it is added to my police report. So far, I have found 11 accounts fraudulently opened using my personal information, such as my social security number, name, date of birth, etc. The reason I'm filing this report is that some banks are refusing to investigate, refusing to initiate sending the requested documents so I can share them with the police, and are refusing to remove the fraudulent accounts from my credit report and are refusing to remove my information from their banking records. Some banks continuously reflect these fraudulent accounts under my name, and I never conducted any business or transactions with them. This is unlawful, and I do not want my credit report tarnished because of their inadequacies. These accounts do not belong to me, and I do not want fraudulent accounts to report on my credit report.
Consumer complaint received 2022-10-10
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-10-25
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.
Consumer complaint received 2021-02-22
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TD BANK US HOLDING COMPANY (NY)

1. Good morning, I XXXX XXXX, acct # XXXX, refinanced my mortgage on XXXX XXXX. I received a pay off statement from the TD bank in the amount {$320000.00} ( copy of the letter of the pay off letter from TD bank is attached ). This amount was paid by the new bank XXXX XXXXXXXX XXXX, acct # XXXX, XXXX. The property address is XXXX XXXX XXXX, XXXX NY XXXX, Now 8 months later, TD bank is saying that my mortgage is still outstanding, I own them an additional {$26000.00}. 

I and my laywer spend three months to contacting TD bank, title company and the XXXX County to resolved the matter. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Tel. : XXXX Fax : XXXX XXXX Also, TD bank requested an additional {$5600.00} as the school tax amount which TD bank paid XX/XX/2020. TD bank received a refund of {$5600.00} from XXXX countyr back in XXXX XXXX. Copy of teh refund check is attached. 

TD is the worst bank in teh history. It takes 3 hours to get to be connected and when I ask to talk to the Mnager I get disconnected, given a different phone number to contact. I dont have energy or time to fight teh TD bank, help please
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please put this account back on, these were accidentally deleted. 
XXXX  XXXX XXXX  XXXX  Account XXXX This item was removed from your credit report. Please review your report for the details. 
Hide Details | View your Report | View your credit score Deleted + 'icon ' Deleted After Before Close XXXX  XXXX XXXX  Account Name XXXX Account Number Credit card Account Type Individual Responsibility XX/XX/XXXX Date Opened Paid, Closed/Never late. 
Status Updated XX/XX/XXXXXXXX XXXX XXXX  Monthly Payment {$300.00} Credit Limit {$370.00} Highest Balance NA Terms XX/XX/XXXX On Record Until - Balance Updated - - Recent Payment Amount PAYMENT HISTORY XXXX
Consumer complaint received 2021-06-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (GA)

My wife and I moved to XXXX  from XXXX  on a rescue mission for our XXXX  age XXXX at the time. I rented a home at XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX through XXXX XXXX XXXX XXXX in XX/XX/2019. On XX/XX/2019 we gave notice to move as we have bought a home. We moved out mid XXXX having paid the full month 's rent of {$1900.00}. In addition, I paid a pro-rated amount for the 9 days of XXXX of {$380.00} to make it a full 30 days notice. This is standard notice when vacating a property. XXXX had 6 weeks to show and rent the house. 

We left the home in exemplory condition with full cleaning and removal of all items and belongings, trash of every kind. 

XXXX, did not return our security depost of {$1900.00} and in return sent us a demand letter of payment in the amount of {$4200.00}. 

They have now hired Capital Accounts of XXXX to collect the sum. ( see attached ) With Covid a major concern these last years I find it appaling that they would go to these lengths to outstanding renters that went above and beyond to even pay a prorated amount to honor our 30 days notice. They had ample time to rerent the home but choose to charge much more for the home and leave it unrented Furthermore we even advertized the property for free for XXXX and forward interested parties to their attention, which they did nothing with. On follow up with these parties I was to find that they either did nothing with the inquiries or did not make appointments to show or the parties were completely ignored. 

I have attached two bank statements showing the payments mentioned above and a copy of the original lease as well as the demand letter by Capital Accounts. 

Thank you XXXX XXXX
Consumer complaint received 2020-11-13
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXXIn XX/XX/XXXX I protested the value of my property that Bank of America gave me a mortgage for in XXXX. 
-The property value dropped from {$720000.00} to about {$670000.00}. 
-At about the same time, Bank of America notified me that my monthly amount went up because they were applying the escrow amount on {$720000.00}. 
-Beginning in XX/XX/XXXX through XX/XX/XXXX, automatic payments were made to Bank of America , but BOA rejected the payments because they did not match the escrow amount based on {$720000.00}. 
-Bank of America charged me late fees XXXX XXXX. 
-Bank of America misreported this activity to the Credit Bureaus, dropping my credit score 100 points. 

-XX/XX/XXXX Bank of America mailed me a LATE CHARGE REFUND check for XXXX XXXX!!! 

-Bank of America needs to UPDATE THE 4 CREDIT BUREAUS that I was not actually late on any payments.
Consumer complaint received 2022-10-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ), Account : XXXX Reason XXXX Delete this unverified and inaccurate account
Consumer complaint received 2020-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I apparently had several payments all trying to go through at the same time, and Bank of America posted the largest amount first, causing 6 other smaller charges to all bounce. This led to them collecting 6 overdraft fees. I was not notified ahead of time that this issue was pending, and I was not given the option to determine what items to approve or reject that could have saved this HIGHLY inconvenient and straining situation. I also thought banks were supposed to be regulated more stringently on how they process charges in order to reduce excessive overdraft fees that are detrimental to their customers and just line the profit margin of the bank. 

I contacted the bank about the issue and to see if there was any possibility of the overdraft fees being waived because had they just rejected the one larger charger all the other chargers would have cleared fine, and I could have rescheduled that one large charge with the payee for a later date with no incurred fees. Even if Bank of America charged for the one rejection fee of the largest amount I still would have been saved 5 hits at {$35.00} each. The bank representatives had no interest in trying to assist or take any accountability on how their procedures caused this issue to be MUCH larger than it needed to be. This seems to be deliberately setup to squeeze as much money out of their customers as possible, especially with a checking account they commonly wouldn't " make '' money on except for in fees.
Consumer complaint received 2022-06-11
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXXt XXXX XXXXXXXX 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-11-13
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. (OH)

On XX/XX/2020 & XX/XX/2020 I wrote to you requesting an investigation into items that I are Inacurate and erroneous.To date, I have not received a reply from you or any acknowledgment that an investigation has begun. I feel like I am being ignored. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days, should be reason enough for these items to be deleted from my credit report. It has been well over 45 days so they should be deleted promptly. My information has been impacted by the XXXX  data breach and may have fell into the wrong hands. 
I demand the accounts be deleted immediately or I will file for litigation due to the stress you have caused me.
Consumer complaint received 2020-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

Good Day, On XX/XX/XXXX I used my Chase Rewards points to purchase three 1-Day, XXXX Weekday Tickets with All-Day Dining includes Food and Drinks. The date for the experience was indicated as XX/XX/XXXX. The total cost for these tickets was {$240.00} from which I used XXXX points equating {$160.00}. I used my Chase credit card to pay the difference of {$72.00}. The itinerary number for this transaction is XXXX. 

Since this transaction, I have been unable to view, print, redeem the voucher associated with the actual ticket. I noticed that on my Chase Ultimate Rewards profile under " My Trips '' the reservation appears under a tab for " Past and Cancellations '' instead of " Upcoming '' and the date for this reservation is XX/XX/XXXX which is astronomically incorrect. As a result, I contacted Chase Rewards Program shortly after the purchase but was told to contact XXXX. On XX/XX/XXXX at approximately XXXX XXXX  EST I contacted XXXX but their agent was unable to assist since I did not have a ticket number and the itinerary number used by Chase was insufficient. On XX/XX/XXXX at approximately XXXX EST, I contacted Chase Rewards via instant messenger and was ultimately told that there was a system glitch with processing the voucher and to call back later. I called Chase Rewards Customer Support at approximately XXXX EST and spoke to a representative who contacted XXXX XXXX who could not confirm a voucher as a ticket number was needed and not just a Chase internal itinerary number. This representative said that I would have repurchase the tickets and attempt to be reimbursed at a later date if possible. I declined this and asked to speak to a supervisor to which I was transferred. The Supervisor then tried to contact XXXX, despite my explaining that such futile attempts were made by myself and the representative prior. The Supervisor was on hold for over thirty minutes before our conversation was cut off.

All three of the Chase Support Staff agreed that their was an apparent glitch in their system as it pertained to the processing of the voucher/ticket for theme park. Today is XX/XX/XXXX and my family and I are traveling to XXXX in three ( 3 ) days expecting to go to XXXX and despite my paying for the theme park tickets over three ( 3 ) weeks ago the tickets have yet to be made available to me. 

I received an email confirming the transaction was executed. The points were deducted from my account and my credit card was in deed charged the difference. Thus, payment was rendered however I never received the actual voucher for the theme park. 

Unless a voucher can be provided within the next three ( 3 ) days I am requesting a full refund of the full ticket price of {$240.00}. 

Thank you in advance for your assistance. 

Best Regards, XXXX XXXX, XXXX
Consumer complaint received 2020-11-13
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. (TN)

Why is TransUnion knowingly reporting false information? 

TransUnion failed to adhere to the FCRA by reporting the wrong address on my credit report for US Department of Education # XXXX. I mailed a certified letter to the address they have listed on my report and it was " returned to sender ''. 

The data furnisher has not clearly and conspicuously provided an address in which to conduct a dispute of inaccurate information yet TransUnion continues to verify an undeliverable mailing address.
Consumer complaint received 2020-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I filled out a complain explaining that XXXX XXXX is prohibited from showing my account paid at the three credit bureaus XXXX  Experian and XXXX  but they have not taken it off as for deletion, I've already filled a complain to the CFPB to mandate them to stop showing XXXX XXXX account on my credit report as it should not be there because the account was placed on collections for the reason that I was not contacted to be informed that the account was goin to collections so I did not had a chance to pay it before It was transferred to collections and now its affecting me in my credit report even though I paid it.
Consumer complaint received 2022-10-29
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. (TX)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 Balance XXXX {$16000.00}.
Consumer complaint received 2022-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Greco Financial Services Corp. (GA)

I have contacted your department about the fraudulent accounts that are being reported on my credit. I believe this started in XXXX XXXX time period. I discovered it around XXXX when I had to dispute items the first time, and now it is happening again on my credit report. I have had identity theft Report filed with a DC # XXXX around XX/XX/XXXX due to a break in of my property. Also, I have not supplied proof under doctrine of estoppel by silence. XXXXXXXX XXXX XXXX XXXX MO ) XXXX XXXX XXXX, XXXX. I Presume that no proof of the alleged debt, nor therefore exists under my identity
Consumer complaint received 2021-08-11
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. (MD)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response