davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

CREDIT ACCEPTANCE CORPORATION has engaged in fraudulent practices and should be promptly removed from my credit profile. Legally, fraud is defined as the intentional use of deceit or dishonest tactics to deprive someone of money, property, or legal rights, which can violate both civil and criminal law. CREDIT ACCEPTANCE CORPORATION has faced mulitple accusations of such practices, as seen in Case No. 23 Civ. 0038 where the record notes : Credit Acceptance Corporation makes predatory loans to millions of financially vulnerable consumers trying to buy a used vehicle. CACs loans carry exorbitant interest rates, are loaded with expensive add-on products, and saddle borrowers with debts that even CAC believes the borrowers often can not afford to repay in full. CAC aggressively markets itself as an alternative for consumers with limited credit options and touts its loans as a way for consumers to build their credit and gain financial freedom. But CAC is often setting up consumers to fail. I am a direct victim of CREDIT ACCEPTANCE CORPORATIONs deceptive practices, which have made it extremely challenging to manage my loan, especially during the pandemic. Their continued negative reporting has severely impacted my credit and financial stability. I have contacted CREDIT ACCEPTANCE CORPORATION and all three major credit bureaus ( XXXX, XXXX, XXXX ) regarding these predatory and fraudulent tactics to seek relief. Since XX/XX/year>, I have mailed numerous letters to these credit bureaus, but CREDIT ACCEPTANCE CORPORATIONs ongoing actions continue to suppress my financial consumer rights and harm my financial well-being.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NY)

I graduated law school XX/XX/XXXX. While in my last year of law school, I consolidated both my XXXX loans and graduate loans to lock in a 5 % interest rate. XXXX XXXX was the original servicer of my student loans up until my account was transferred to XXXX around XX/XX/XXXX. From XXXX to XXXX, XXXX XXXX would place me into forbearance if I was unable to make my student loan payments. Starting in XXXX, XXXX XXXX begin to email me about XXXX XXXX XXXX options. I filed and was approved for XXXX in XXXX. In XXXX, I received notice that my account was again being transferred to Aidvantage for servicing. In XXXX, when I was struggling to repay my student loan under the XXXX program, a representative recommended that they change my XXXX program to XXXX as opposed to the XXXX I was under in order to lower my payment. I asked if I would still get credit for the previous months under the XXXX that I started and was told YES. I inquired early this year to see how many payments I had towards my loan forgiveness. To my surprise and dismay, the clock was RESTARTED in XXXX and all of my historical payments were wiped away from my account history. I also learned that XXXX became available in XXXX, however, I had no clue and was not able to take advantage at a much earlier time period and have suffered financial harm due to XXXX XXXX, XXXX and Aidvantage 's lack of transparency about my payment options and payment history. I feel extremely misled and believe such misrepresentation is egregious. I am seeking cancellation of my student loans that have been mismanaged by XXXX XXXX, XXXX and/or Aidvantage. Lastly, I have had to put in at least XXXX different requests through XXXX for someone to provide to me a historical account of my payment history. My last attempt was on XX/XX/XXXX and the Aidvantage representative stated that she apologized as my previous requests for additional information were never processed.
Consumer complaint received 2023-10-19
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: Automotive Management Services, Inc. (NC)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX and the date of the last letter was on XX/XX/. And now we are in the month of XX/XX/ and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I purchased my home on XXXX XXXX is my first home, and I have been struggling to understand this bank and my payment status. I am not clear on why my mortgage payments are reporting late on my credit report. I have contacted the XXXX XXXX XXXX  department numerus times, and were told that my payments were current, but when I receive the statements in the mail its always show a balance, a pass due balance. In the beginning of my loan issues, I was talking with XXXX XXXX ( Mortgage Loan Originator ) He was very helpful in the beginning and he made it clear that it was an error on their part, and for me not to worry, they will correct it .I am sad to say no correction is made till this day. I have not spoken to XXXX since, he will not return my calls, so I was transferred to someone by the name of XXXX XXXX, ( VP XXXX XXXX  Portfolio Manager ) she was pleasant to talk to but doesn't have a clue of what's going on. It's so frustrating. I am working two jobs and it is hard for me to keep calling this bank to inquire about this matter. My credit report is showing eight 30 day late, which is not true. Something is wrong, and it's not fair to me. I can not refinance because of this false information, and no one is trying to correct it. It is a nightmare to me and I will like to wake up.
Consumer complaint received 2022-03-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (CA)

I have tried contacting Planet Home Lending Customer service department but receive a generic answer every time and feel they are not trying to listen to the situation. We received the attached letter from Planet Home Lending customer service. We had a temporary loss of income due to Covid 19 in XX/XX/2020 through XX/XX/2020, and we had a hit on our credit report for three late payments in 2020. We were in the process of a refinance and, therefore, would not qualify for the deferral ( however, we were denied for the refinancing due to the late payments. We ask if the late payment can be removed as goodwill because it was due to Covid 19 loss of income.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NJ)

I purchased shoes from XXXX XXXX XXXX XXXX in XXXX via online. 3 out of the 4 pairs did not fit. I went to the store to return them on XX/XX/2022. Instead of refunding my XXXXXXXX XXXX XXXX XXXX XXXX  ( which was what I purchased it on. ), it was refunded on my XXXX card. I'm not sure how that happened because I gave the cashier the packing slip. However, I did received a refund of XXXX. 
When my bill came in, I only paid for the 1 pair of shoes I kept. My XXXX bill still did not show a credit ( obviously ) so when I called, I only asked that the shoes be removed. They can see that I already received a credit and I already paid for the shoes I got. However, the company XXXX Comenity Bank ) could/would not just remove the charge. I do not want to pay for items I've already returned. One associate told me to issue a dispute. When I tried, Comenity 's site went down for " routine maintenance '' and has been down for the last week. You can not call or access the website. How is this good customer service?
Consumer complaint received 2022-06-28
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: Experian Information Solutions Inc. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.
Consumer complaint received 2022-03-01
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. (GA)

Hi my name is XXXX XXXX. Experian has expressed to me in writing that my disputes will not be acknowledged because the account has been previously verified. The XXXX account # XXXX .... and XXXX XXXX account # XXXX in reference continues to report on my Experian file without proper verification or investigation. This is in violation of 15 U.S.C 1681i ( a ) ( 2 ). To prevent me from employment and financing opportunities these companies willingly commit aggravated identity theft by reporting this information without my consent. I am legally refusing to pay this debt pursuant to 15 U.S.C 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX and XXXX can provide me with sufficient documentary evidence that I have any legal obligations to pay them. Until this is done any reporting of this information in my credit report must be removed. They have no regard for my federally protected rights as a consumer. This is extortion and theft by deception. If these entities continue their unfair and incomplete reporting and debt collection tactics they will be held criminally liable for all damages.
Consumer complaint received 2021-10-26
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. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-06-28
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. (NY)

I am distressed that Experian has included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report XXXX XXXX percent accurate credit information. My dispute to correct the credit profile and demand more information about these accounts have yet to be respond to. Experian 's failure to positively verify these accounts has hurt my ability to obtain credit. Additionally, they updated the account stating they were able to verify the accounts accuracy without proof of this alleged item. But how is that possible? I have contacted the other bureaus as well to verify the accounts in question, and the accounts were deleted from my credit file. Since the account is inaccurate or incomplete, how is it then Experian could have verified the accounts correctly. The following information therefore needs to be reinvestigated. According to The Fair Credit Reporting Act. If the accounts can not be verified Experian must delete the accounts from my credit report and if they can not show proof, they have verified these accounts, Experian would be in violation of the law and violating my rights. 
According to The Fair Credit Reporting Act 15 U.S.C 1681 I ( 5 ) ( A ) According to The Fair Credit Reporting Act 15 U.S.C 1681 S-2 ( 8 ) ( E ) According to The Fair Credit Reporting Act 15 U.S.C 1681 I ( 1 ) ( A ) I continued my research and noticed there are violations presently listed on my credit report after Experian 's investigation was complete. Once again how is this possible if all the information listed is XXXX XXXX percent accurate and verifiable. 
I have circled the items I disputed on the attached copy of my credit reports to show the inconsistency between reporting of these accounts. 

For instance this item, XXXX Bank in accordance with the Fair credit reporting act XXXX  account # XXXX, has violated my rights and is inaccurate/or incomplete because the date opened, high credit, date last active is inaccurate or incomplete. 

For instance this item, XXXX and in accordance with the Fair credit reporting act XXXX account # XXXX has violated my rights and is inaccurate/or incomplete because the date opened, high credit, date last active is inaccurate or incomplete. 

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A. It also states a consumer reporting agency can not furnish an account without my written instructions Attached are copies of my credit report supporting my request, response of bureau validation and my ability to not obtain credit. Also the bureau took more than XXXX days to complete the investigation. I have also included my certified mail tracking receipts and return receipts. 

Thank you for taking the time to read my dispute.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Google Compare Credit Cards Inc. (CA)

I have been using Google services and their subscriptions for many years now and I've made a lot of my payments with a prepaid card specifically the XXXX XXXX Cash card. Recently things have changed and my car stopped working so I contacted customer service and explain the situation and he suggested that I keep trying to process it and I got me suspended. I told him it wasn't working and I didn't want to keep trying because the bank might block it. Instead Google payment services suspended my account. I explained the situation as I did here. I was somehow and glady able to remove ALL subscriptions connected to that card by cancellation of services. That is another issue with not getting refunds. I also deleted my card and it is no where on file with Google. I have since then closed that account and tossed the card in the trash. Now they're wanting me to prove ownership of that card and I've already explained I know longer have it. I sent them an account statement, Identification, and a screenshot of card info that I had when I ordered it ( the card ). 

I can not pay for my remaining subscriptions and am now receiving suspension notices and I've tried explaining yet again I am trying to pay but the payments team won't let me. I'm about to lose all my services that I've paid for.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This company was well aware that I was in the hospital with XXXX  when they started the repossession of this car. I recently received a copy of my credit report. To my surprise they are reporting this account incorrectly. This collection account is not only reporting as open, but also shows a past due balance of {$6300.00}. According to the FRCA, I have the right to an accurate credit report. Please remove this account from my credit report immediately. Please provide me with a copy of my new credit report reflecting this account removed upon completion. On XX/XX/27 letter was never sent or received by me. On XXXX Notice to sell that was sent certified please send me a copy of the receipt as well as my signature. The address you have on file is not my address has never been my address. I have never lived at or had any affiliation with XXXX XXXX XXXX XXXX. Also letter from car company has the money that I paid for advance payments to the account. XXXX has several lawsuits for janky business practices please check contract. As well as not being licensed to perform sells in Georgia. Please return all my funds as well as my personal items which includes my XXXX  and purse that was retrieved in this illegal repossession.
Consumer complaint received 2021-12-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (LA)

LVNV is commiting fraud and asking myself to commit fraud. 
Inability to pay According to -- -- -- >>>>> Whereas Article 1 section 8 Clause 1 dictates that, Congress shall ... Pay the Debts ; and, Whereas Article I, Section 8, Clause 5 grants, Congress shall have Powerto coin Money, regulate the Value thereof... and Section 10 sates, no stateshall make any Thing but gold and silver Coin a Tender in Payment of Debts. ; and, Whereas in the United States, legal tender is statutorily defined as all coins and currency issued by the United States Treasury or the Federal Reserve System, including fiat money coins and notes but this definition exceeds Congresss power under the Constitution ; and Whereas existing legal tender law ( 31 U.S.C. 5103 ), first passed in 1862, declares Federal Reserve Notes to be legal tender but, such notes are not legal tender in the constitutional sense, because they are fiat money and bills of credit ( no longer backed by gold since 1933 ), which the Constitution forbids ( Article 1 Section 10 ) ; and, Whereas according to the statutes and rules that govern the Federal Reserve System, bills and other certificates of indebtedness are obligation of the United States ( 18 USC 8 ) and as a non-citizen, non-resident, non-federal reserve agent, non-federal reserve bank Affirmant is not authorized to pay using the Federal Reserve System ( 12 USC 411 ).

Conclusion : The Affirmant, as one of the real men with arms and legs on this land called America, is a collateral creditor ( 15 USC 1692a ( 4 ) ) of the full faith and credit of the United States ( 12 USC 1825 ( d ) ). As such creditor Affirmant is not liable for any obligation of the United States. 

QUESTIONS RAISED TO " CREDITOR '' : XXXX ) Who is required to pay debts? 
2 ) What species LVNV requiring as payment?

3 ) What legislative authority gave LVNV the legal ability to determine the said payment? 

I, XXXX XXXX, living private woman heredo by certify this statement to be true under penalty of perjury.
Consumer complaint received 2022-06-28
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I have contacted XXXX XXXX numerous times & have gotten unsuccessful results. This company is reporting inaccurate information on my credit report also. The balance is false that they claim I owe. A lot of information they're reporting is false. The account balance was dismissed during the pandemic for insurance reasons that the collection company refuse to disclose to me. They also told me that they couldn't give me any information because they no longer have the account. XXXX XXXX told me that the account was sold to a law firm in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX This number is non-reachable & I have no good contact for this company. XXXX XXXX is the ONLY collection listed on my credit report for this debt, NOT XXXX XXXX XXXX. This is illegal!!! This company is violating my consumer rights because they are reporting false information to the credit bureau on an account they claim they no longer have. Please DELETE this deceiving information/account from my credit report.
Consumer complaint received 2021-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (SC)

XXXX XXXX XXXX  is trying to recover a debt which i fell behind and eventually stopped paying on over 5 years ago. They tried to renew the debt and charge me interest and state that I opened up the account last year. They are putting false information out since we have a statute of limitations here in South Carolina of 3 years and trying to renew a zombie account to report it as new debt. This is a dishonest business practice and I am trying to get this removed from my report as I have already paid the price of having higher interest rates and poor credit as a result of this.
Consumer complaint received 2021-10-26
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: EQUIFAX, INC. (CT)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I used the " Pay Bill '' feature in the online system of Citizens to pay a bill. 
They printed the wrong account number on the check ( seems like a random number, certainly not an account that I have with them ), the check bounced, now they want to charge me late fees. 

Attached is the transactions -- I have no account number ending in those numbers!