davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-04
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 (WI)

When speaking to a representative within the company during the after purchase of the vehicle it was deemed we were sold a lemon vehicle. The vehicle after one month which was XX/XX/XXXX of owning the vehicle electrical system went out in the vehicle and the car locked anyone out from usage. Secondly once reaching out to the company they told us it was our own problem and that it wasn't covered under warranty, so we got that fixed once fixed the car transmission began going out as well as the engine in the car began giving problems. One time the car shut itself off during a drive and could not be started. This occurredXX/XX/XXXX and when reaching out to the company every time was told its not their problem or fault in fact that they will get their money regardless. On XX/XX/XXXX Was the final incident with the car when it would not start and the entire system locked itself out, we had been having issues over and over with the vehicle with warranties and the company just does not seem to help. The vehicle carried flood damage as well as it carried previous accident problems that was not informed and brought to us. The vehicle was still covered under warranty and still was not offered assistance and the finance company refused to help. When giving the car back not only did the company resale the car for over market value, we were not informed of the sale until a month later which it carried a balance they reported to the credit bureau that we were late. The remaining balance should not be due to the fact the company used the Gap insurance and sold the vehicle well over value, but still wants to collect when there is no need to. We will never do business with credit acceptance again.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I was looking at my report and notice there were some things that was not correct. I sent a letter certified to Experian on XX/XX/year>, here is my tracking number XXXX XXXX XXXX XXXX XXXX XXXX. Experian stated they completed the investigation but all the info requested was not provided or updated, I was asking for the original loan amount, the original date the creditor reported not the collection agency 's that kept purchasing the debt, they have the collections as if the loan just became delinquent and not all the original info for the original creditor as stated XXXX. this is some of the things I asked for. 
XXXX Creditor : The name and address of the original creditor who extended the credit. 
XXXX. Original Delinquency Date of XXXX : The date the debt was incurred. 
XXXX. Amount of XXXX : The original amount of the debt. 
XXXX. XXXX XXXX : The current balance of the debt. 
XXXX. Validation of Debt : A copy of any written contract or agreement that I signed.

I believe this is a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!
Consumer complaint received 2018-06-05
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: EQUIFAX, INC. (GA)

I called Equifax to see why they are not reporting my authorized user tradeline for my XXXX card ( Account # XXXX ). They did not update my information as requested. It is showing on XXXX and XXXX but it is not reporting on my Equifax credit report and I want it reporting immediately.
Consumer complaint received 2018-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Asset Recovery Solutions, LLC (LA)

On XX/XX/XXXX, received a call through a local Louisiana Telephone Number out of XXXX, La at XXXX from a Company Asset Recovery Solutions , LLC agent Name XXXX. Upon follow-up call this day XX/XX/XXXX, it was verified that he was calling from the State of Illinois through a local VOIP Communications Server out of Louisiana. The Company / Creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing a current balance of {$9500.00}, being collected through collection agency Asset Recovery Solutions , LLC. A letter was received in mail on XX/XX/XXXX from Asset Recovery Solutions , LLC Telephone Number XXXX Ext XXXX, with an offer to pay {$390.00} monthly beginning on XX/XX/XXXX on referenced account. I never received a letter set forth prior to this with regards to account from said collection agency. We don't think he owes debt and letter does not state how to proceed if we don't think debt is valid. Requested XXXX  to forward debt verification in writing, including copy of initial contract signed for credit card and any other documents on file. Stated it would take a couple of days and just trying to find a loophole for collection. Check with Attorney Genetals Office for State of Louisiana  on how to collect and validate a debt, especially a revolving credit card - open account. Can't demand a payment until proof is provided and signature authenticated.
Consumer complaint received 2018-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (LA)

I believe Wells Fargo had unaccounted for the fact that I was not part of the Homestead Exemption Scheme of which I am now. I believe Wells Fargo had fix my monthly mortgage repayments to reflect that fact that I have applied for this scheme just as the previous owners had done so. Once I was over a year and a half living in my home I got a message saying that there was a shortage in my escrow account and that I was due to pay just over {$3800.00}. 
I understand how the escrow system works and also understand the process of the automatic payments they make on my behalf to the relative county tax service. What I am unsure of is how a bank can set a fixed 30 year loan and not realize that they made a mistake and then pass it back on to the consumer. I know that mortgages even though they are fixed can fluctuate due to property tax increases and the such, but not over {$400.00} a month. 
I would like to know if the bank is the one liable to pay for this money considering they seem to be the ones who made the mistake and did not make me aware of this Homestead Exemption at any time. 
I have contacted my local tax assessors office and they have looked into my property and noted that I am due a refund, however this refund barely covers the total costs that Wells Fargo is saying I owe them
Consumer complaint received 2018-06-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MS)

o Payments are not posted or frequently not posted in a timely manner. Examples : Payment for XX/XX/XXXX {$960.00} cleared XXXX XX/XX/XXXX ; XX/XX/XXXX {$960.00} cleared XXXX XX/XX/XXXX ; XX/XX/XXXX {$960.00} cleared XXXX XX/XX/XXXX, XX/XX/XXXX post marked XX/XX/XXXX was not deposited and had not cleared XXXX by XX/XX/XXXX. 
Billing statement dated XX/XX/XXXX with due date XX/XX/XXXX indicated {$4000.00} due. 
Late fees were added on the billing statement dated XX/XX/XXXX with due date of XX/XX/XXXX. 

o Sent a Compliant letter dated XXXX XX/XX/XXXX. Rec 'd a response & printout. Payments posted on the printout do not commensurate with billing statements received. Some months had multiple payments posted. Multiple payments were not made. 

o Receives multiple monthly billing statements : Example : billing statements dated XX/XX/XXXX with payment due XX/XX/XXXX ; XX/XX/XXXX with payment due XX/XX/XXXX ; XX/XX/XXXX with payment due XX/XX/XXXX ; and XX/XX/XXXX with payment due XX/XX/XXXX. 

o Ditech Mortgage sent a representative to my home on two different occasions.
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (OH)

On XX/XX/XXXX Santander Consumer USA reopened my closed account that was showing on my credit report closed for 3 years but for some odd reason its been opened back up and reported late and charge off in remarks. I disputed the in accuracy of this account to Santander and this is what they do they reopen and put bad remarks on my credit bureau. This is a fraudulent act by this company and needs to be dealt with so they can not do this to nobody else. By them doing this it has brought my credit score down 53 to 60 points. I would like for you to delete this company with the credit bureaus it has been reporting on my bureaus for 4 years and 10 months and I'm tired of it I do not owe them any money I gave them their vehicle back in XX/XX/XXXX because it was no good and they stick me with the balance after they sold the car please help me with this company as they are putting false information on my credit report.
Consumer complaint received 2018-06-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Meridian ARG Inc. (IA)

XX/XX/XXXX I received a. Call from my brother stating that someone called him stating that they were going to sue me If I do not contact them. This was the 1st time I heard about the debt. I called the Texas phone number given and a lady answered stating she was with Meridian ARG. She said that I owed {$860.00} to XXXX XXXX. I asked for more information and asked why I didnt not receive any type of written information. I told her I do not have any accounts with XXXXXXXX XXXX nor do I recall ever banking with them. She could not provide me with the dates of this debt. I told her I would need written proof of the debt before I would be willing to resolve the issue. I also told her I am currently out of state at a 5hour time difference so I would contact her once I got true verification of the debt to get it resolved. She provided me with the number to XXXXXXXX XXXX and the account number. I called XXXXXXXX XXXX the same day and spoke with a customer service representative who gave me a number for the collection department. She told me I had an account in XX/XX/XXXXto amount with fees that were owed was {$530.00} and that the account was sent to a collection agency that went out of business. She also told me to verify the business due to the debt being wrote off with them and the agency not existing ( this was all on a recorded line ). I then received a call and voicemail from the lady with XXXX XXXX at XXXX stating that i have failed to voluntarily rectify and will be served to appear in court in a state I Am not in, however if I call I can stop the process. I pulled my credit as well as it was not on any report. 
They have yet to provide me with any proof of my obligation or of their validity as a company.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TX)

On XX/XX/18 my discover card was reported as lost. Discover closed the card ( card number was the account number ), my credit score dropped 102 points behind this. Although discover has sent in an early credit history to XXXX, my credit score only went back up by 20 points. I was in the process of buying a home and this affects me tremendously
Consumer complaint received 2018-06-05
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. (PA)

My identity was stolen because of the Experian data breach. Over a year later, my XXXX XXXX card sent me a letter saying they are increasing my APR due to an Experian credit report. I currently have a freeze on all 3 credit agencies. 
Experian is unable to keep data safe. In addition, they are unable to keep the stolen identity case ( that they caused ) from affecting my credit score. My excellent credit rating of XXXX went down to XXXX due to their incompetency. This mismanagement is causing personal harm. There should be a class action lawsuit.

I would like Experian to repair the damage they caused and fairly report my credit score.
Consumer complaint received 2018-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

Hello Sir/Mam, I opened a line of credit with XXXX XXXX through Synchrony Financial about two years ago to purchase an item. During that I was offer a promotion where I could finance the item for several years interest free as long as the item was paid off by the end of the promotion. A couple months after this purchase, I purchased another item under the same line of credit utilizing another promotion program. Till this I havent used the line of credit and have paid bill on time ( I was never late ). Unknowingly, when paying my bill the company did not advise me that my payments werent going fully towards my balance and never advised that I needed to pay additional payments so that I have successfully pay y balance prior to the end of the promotion as to avoid any and all interest fees. I recently checked my online account with Synchrony Financial ( because I have the bill paid on auto-payment ) to so have my account is looking and saw that the balance was {$1000.00} and the promotion was expiring on XX/XX/2018. I immediately became concerned because I have always paid my bill on time and complied with the promotion terms. I reached out to the company and receive no solution ; they stated that if I do not pay the balance off by XX/XX/2018, I will be billed approximately {$2200.00} in interest fees right away and hit with a large interest fee every month after. I believe the company should have notified me and advised me that I would need to pay additional payments on top of the minimum payment if I wanted to pay off the item before am I charged the interest rates. Please is there anything someone can do to help me, I am not refusing to pay my balance I am simply asking that Synchrony come up with a solution to avoid any interest charges. Thank you so much for reading this and I hope I can get help.
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I keep asking the credit bureaus to remove my the years of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX late payments. I'm not supposed to have any " late payments '' because I " re-finance '' the car loan with XXXX XXXX   therefore, I started fresh since XX/XX/XXXXto present year of XX/XX/XXXX. They keep refusing to remove the " late payments ''.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P. (TX)

I sent over certified mail on XX/XX/XXXX requesting documentation about this collection debt ( {$120.00} ) showing inaccurately on all 3 of my credit reports from Southwest Credit. It should not be on there at all and looks bad on my part as a consumer. They responded back with a generated letter ( within 30 days ) showing I owe {$120.00}. In return, I sent them another certified letter on XX/XX/XXXX ( which they received on XX/XX/XXXX@  XXXX ) showing that I do not owe them anything that came directly from XXXX XXXXXXXX XXXX. On XX/XX/XXXX, they sent me back the same generated letter they sent out before showing I owe {$120.00}. If what I sent over was actually looked at thoroughly ( proof ) and confirmed, then they would not be reporting false information. My documentation, as mentioned, shows that this information is inaccurate and needs to be resolved asap.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

In XX/XX/2017 thru XX/XX/2017 XXXX reported on my credit report delinquencies. I was XXXX  due to a flooding at my place. I informed XXXX prior what took place and they informed me I would be put on an deferment. Instead they reported me as delinquent. I called XXXX to report the inaccurate information on my report. The company ignored my request and referred me to another company XXXX. Misleading me in the wrong direction. Constantly transferring me to different members only to say go online and dispute the matter. I went online and the document isnt on their website. I called them back and reported my findings and they informed it was there. I went through every step necessary only to start back at the beginning. This has affected me majorly where I cant help my XXXX mother nor myself. The company has reported inaccurate results on my report and its not fair nor right to do consumers that way. I need help correcting the matter. I dont know what else to do.
Consumer complaint received 2018-06-05
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. (GA)

In XX/XX/2017 thru XX/XX/2017 XXXX reported on my credit report delinquencies. I was XXXX  due to a flooding at my place. I informed XXXX prior what took place and they informed me I would be put on an deferment. Instead they reported me as delinquent. I called XXXX to report the inaccurate information on my report. The company ignored my request and referred me to another company XXXX. Misleading me in the wrong direction. Constantly transferring me to different members only to say go online and dispute the matter. I went online and the document isnt on their website. I called them back and reported my findings and they informed it was there. I went through every step necessary only to start back at the beginning. This has affected me majorly where I cant help my XXXX mother nor myself. The company has reported inaccurate results on my report and its not fair nor right to do consumers that way. I need help correcting the matter. I dont know what else to do.
Consumer complaint received 2018-06-04
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. (FL)

XXXX XXXX XXXX XXXX failed to respond to a complaint and is in violation of FCRA section 611 part, [ A ] [ 1 ], complaint number XXXX from XX/XX/2018. XXXX fine is due, furthermore i have a screenshot showing the account was paid 100 percent by individual,
Consumer complaint received 2018-06-05
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RESIDENTIAL MORTGAGE CORP (NC)

On XX/XX/2018 I contacted a loan officer XXXX XXXX at Residential Mortgage in XXXX, NC and I told her that my husband and I wanted to use his VA loan to purchase a home and this is our first time buying. She then asked me how much were we looking to spend in mortgage per month and I said no more than {$1100.00}. She emailed the application, we filled it out and sent it in. A few days later she informed us that we were pre-approved for {$160000.00}. We corresponded back and forth through email and telephone. On XX/XX/2018 our offer got accepted on a home. I had already been packing up our home getting ready for the move. The loan officer was aware that when our offer got accepted that I would put everything in my house in storage and move in with my mother until we closed on the new property. The loan officer did not tell us that she hadn't completed the steps for the VA Loan and that we had not yet to be approved for the VA Loan. Had we known we hadn't been approved yet we would have waited on moving out our home and putting things in storage. We were due to close on this property on XX/XX/2018.  The week before we were due to close she informed us that we did not get approved for the VA Loan because my husband did not serve enough time during his ERA. She went on to say that she could try us with a FHA Loan. Then told us that we would need to contact someone else because she could no longer be of assistance to us. So now I'm out of {$370.00} for an inspection on the property and {$230.00} for paying 2 months of storage. Had we been able to close on the house we wouldn't have paid anything for storage because we got the 1st month free. My husband was working/living out of town since XX/XX/2018 and the kids and I lived at my mothers where we shared a bedroom for 3 months and had to sleep on the floor because our loan officer waited until XX/XX/2018 to tell us that she couldn't help us.
Consumer complaint received 2018-06-04
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. (FL)

XXXX XXXX XXXX XXXX failed to respond to a complaint and is in violation of FCRA section 611 part, [ A ] [ 1 ], complaint number XXXX from XX/XX/2018. XXXX fine is due, furthermore i have a screenshot showing the account was paid 100 percent by individual,
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I keep asking the credit bureaus to remove my the years of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX late payments. I'm not supposed to have any " late payments '' because I " re-finance '' the car loan with XXXX XXXX, therefore, I started fresh since XX/XX/XXXX to present year of XX/XX/XXXX. They keep refusing to remove the " late payments ''.