davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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. (NJ)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (GA)

This company completely takes advantage of minority customers. The interests rates are extremely high and they completely refuse to offer refinancing or lowering the interest rates even after making on time payments. I've called and asked several times during the months of XXXX and XX/XX/2020 to try and get help with this loan so that I can continue to make on time payments and not be ripped off by the interest. They refuse to help in any way. My financial situation has changed due to the COVID-19 situation and American Credit Acceptance has told me that they can not do anything to help. This is unbelievable!! I can't help from other lenders to refinance because I've been told that ACC has over charged me for this loan.
Consumer complaint received 2023-03-09
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)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX , SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$280.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXXBalance : {$770.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I deposited cash into an ATM connected to a Huntington National bank branch in XXXX XXXX, {$1000.00} to be exact, and immediately after depositing the funds the atm sucked my money in and said the money was not taken quickly enough, for security purposes it will be held in the atm or something along those lines. And then it kept my card locked in the machine for atleast a minute. I did not get a receipt and I didnt get the money credited to my account. I immediately called the branch which was closed because it was on Saturday night XX/XX/XXXX at around XXXX. I called the XXXX number for customer service but that also was no help because there was work being done to the line at that time of night. I immediately called the XXXX XXXX police department to see if I should file a police report and was told that it wasnt necessary however if needed at a later time they would have a transcript of me calling them. I spoke to someone Sunday morning the XXXX and filed a report with the bank about the missing deposit. Monday the XXXX a representative from the XXXX XXXX branch and they told me that they dont personally collect any cash or take any reports from the ATM, that they have an outside source that handles it. I didnt hear anything back from the bank, so I called them a few days later at the one XXXX number that they have listed for customer service and I was told that they were reviewing it. Still havent heard anything a few days later so I called him back again. With the same result, a little bit of time goes by and I once again reach out to them and they tell me that they are waiting for the report from the ATM to see how it balanced. And then it should be a couple days and I should hear something from someone. I called them a couple days later and they tell me that they balanced the ATM and that it was not {$1000.00} over but that it was {$140.00} short so I chose to speak to a supervisor who told me the same thing. After hanging up with the supervisor I called the branch once again and I filed another report about the missing money and they told me that they will start the investigation once again. I just need my XXXX dollars and Huntington does not seem to care to help me get it back and it sounds like in their point of you Im going to be out {$1000.00} because they cant seem to find where my money ones from my ATM deposit. No one ever reached out to me to update me on what was happening in the situation, it is a large amount of money and Im a single mother to three kids and I need the money that I deposited, which is why I deposited it so I could pay bills for Huntington seems to have no interest in helping me whatsoever. The money was put into the ATM so where it went beyond. That is not my responsibility. It is Huntingtons responsibility. Someone has the money somewhere and they need to figure it out.
Consumer complaint received 2023-03-08
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. (GA)

Consideration is a promise, performance, or forbearance bargained by a promisor in exchange for their promise. Consideration is the main element of a contract. Without consideration by both parties, a contract can not be enforceable, also Title 12 sec 83 a. States that No national bank shall make any loan or discount on the security of the shares of its own capital stock. Unfortunately XXXX XXXX, did not actually give anything in consideration therefore makes any claims of me owing them any debt are ALL FALSE AND SHALL BE CORRECTED ON MY CONSUMER REPORT AS PAID IN FULL OR IN GOOD TERMS IF I DONT GET ANY TYPE OF SETTLEMENT OPTIONS BACK I WILL CONTINUE TO SUE FOR FRAUD AND NOT DOING WHATS BEST FOR BENEFICIARY IN THE FIDUCIARY RELATIONSHIP.
Consumer complaint received 2023-03-08
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: CITIBANK, N.A. (FL)

Office of the President XXXX XXXX XXXX XXXX XXXX SD XXXX XX/XX/XXXX To whom it may concern It is a painful shame Citibank Institution unprofessionalism . 


CitiBank, failed to their Duties and obligation as issuers of account XXXX. 
Evading their responsibilities, neglecting same. 

Failing within the 90 days period to provide me with report referring to account XXXX. Account Unverifiable. 

CitiBank continued repeating same information parroting without any proof in writing Which did not provided within the 90 days. 

I deny account, account number XXXX, not mines. 

CitiBank as issuers of account are solemnly responsible for account and to provide poof The fact is that CitiBank never provide me with any proof within 90 days period on XXXX because Bank institution Never had, neglecting account, not mines Very unprofessional for a Bank institution Also CitiBank claims to have transfer account to debt collector, third party that has nothing to do with me, account not mines. 

This is hurting my reputation and constitutes Defamation to my person. 

Im requesting a deletion letter for account number XXXX. 
Within 7 business days by XXXX XXXX. 

I will be force to file a Police report to CitiBank referring to account XXXX. 


Thank you XXXX XXXX
Consumer complaint received 2023-03-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding LLC this debt collector isn't registered or licensed in the state of Florida as a debt collector or collection agency. therefore they need to cease and desist all collection efforts and remove all negative items from all 3 credit bureau 's.
Consumer complaint received 2020-04-23
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. (PA)

CLAIMS OF COLLECTION MUST BE WITH PHYSICALLY PROVEN CONTRACT, TRUE, ACCURATE, COMPLETE AND COMPLIANT SO DELETE OR CERTIFICATE EVERY NOTE, DATE, BALANCE, AUDIT, IDENTITIES, SOURCE CODES, P6 STMNT OR PIECE OF CONFIRMATION
Consumer complaint received 2023-03-08
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. (CA)

I am writing to dispute the accuracy of my credit report and request that you delete all inaccuracies as required by the Fair Credit Reporting Act ( FCRA ). The following accounts, Account name : 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  have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Under 15 U.S.C 1681 section 602 A, I have the right to privacy. Additionally, under 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. The credit bureaus are obligated to follow these laws and any violations will result in an inaccurate credit report.

Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) Section, no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. As such, any adverse information related to the accounts listed above should be removed from my credit report.

Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. As such, I request that the credit bureaus investigate the accuracy of these accounts and delete any inaccurate information.

I would appreciate it if you could notify me in writing of any actions taken as a result of my request. Thank you for your attention to this matter.
Consumer complaint received 2023-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (TX)

Target is reporting a charged off card on my reports that I have disputed directly with them. I sent them a letter requesting validation and all documents concerning this debt. I have yet to receive anything from them in response and I sent this letter on XX/XX/2022. 
The credit bureaus are verifying inconsistent information regarding this account with the credit bureaus. There are different account numbers, last payment dates, last active dates and open dates. This account is also reporting paid and current with one bureau and charged off and derogatory with the other bureaus. There are also comments stating that this account was closed due to activity with two bureaus and charged off with another. How are they able to do this? 

Per the FCRA that protects my rights as a consumer, I have the right to dispute any and all inaccurate information from my reports and it is their job to acknowledge and respond to my concerns. They are in clear violation of the law to report accurate information and my right as a consumer to have accurate and valid accounts on my reports and the right to dispute. I am demanding that this account is deleted from my reports immediately!
Consumer complaint received 2022-07-28
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: Nelnet, Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXX XXXX DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXXXXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXXDEPT OF EDXXXX XXXX XXXX DEPT OF ED/XXXX XXXXDEPT OF EDXXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXX XXXX, DEPT OF ED/XXXXXXXX XXXX XXXX DEPT OF ED/XXXXXXXX XXXX
Consumer complaint received 2022-07-22
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. (CA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX.
Consumer complaint received 2020-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NY)

I had a Gap Visa Card which had an unauthorized charge of {$100.00} from the latest statement, the charge was made on XX/XX/2020, and the card is managed by Synchrony Bank. I contacted Synchrony Bank at ( XXXX ) XXXX on more than one occasion to inform them that it was an unauthorized charge. I was told that the charge was for a renewal of XXXX XXXX XXXX XXXX software. I have submitted a written " Dispute Acknowledgement Form '' from Synchrony Bank via fax number ( XXXX ) XXXX on XX/XX/2020 and checked " I did not make the sale '' box. I did not hear from them about the resolution of my written inquiry, what they did was cancel the old card and re-issued me a new card for the same amount, plus interest and fees charge, which is now {$210.00}. 

They have since called me every day, all hours of the day, including the weekend on my cell phone to insist that I owed the amount. The tactic Synchrony Bank used is harassment and intimidation, they used different numbers to call me for payment so if I blocked one number, another one will surface. They are rude and to the point of threatening me for collection for a charge that was not authorized. 

I acted in good faith to resolve the matter but all I got from Synchrony Bank was duress and endless calls from all different times of the day for charge that I did not authorize.
Consumer complaint received 2020-04-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (NY)

When purchasing the vehicle I was informed by both Wells Fargo and the dealership that in order to qualify for the loan I was required to purchase gap insurance. I was never given the option to purchase the gap insurance on my own and had to pay the {$590.00} at loan closing. Since then I have tried with both the dealership and the bank to be reimbursed for this fee as I have since been informed that this is not a requirement in order to be qualified for the loan. The bank is refusing to reimburse any of the fees as well as the dealership.
Consumer complaint received 2024-09-01
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: Tesla, Inc. (TX)

Subject : Urgent Complaint Against XXXX XXXX XXXX for Unfair and Potentially Illegal Payment Practices in Supercharging Network To Whom It May Concern : I am filing a formal complaint against XXXX XXXX XXXX regarding their restrictive and potentially unlawful payment practices for accessing their XXXX  network. These practices significantly harm consumers and appear to violate both the Federal Trade Commission Act ( FTC Act ) and the Electronic Fund Transfer Act ( XXXX ). 

Background and Issue : XXXX restricts payment methods for its XXXX network to only debit or credit cards, without offering alternatives like bank account linkage. This limitation poses significant risks when a consumers card is lost, stolen, or compromised, leaving no other means to maintain service continuity. Furthermore, XXXX immediately blocks access to XXXX if a payment fails, displaying a warning on the vehicles screen until payment is resolved. This punitive measure can leave consumers stranded, potentially in unsafe situations. 

Legal Violations : XXXX. Violation of the Federal Trade Commission Act ( 15 U.S.C. 45 ) : XXXX restrictive payment policies constitute an unfair business practice under the FTC Act. Limiting payment methods and cutting off access to essential services without offering alternatives causes substantial consumer harm that is neither justified by benefits to consumers nor outweighed by competition. Consumers face undue risk and inconvenience, which they can not reasonably avoid. 
XXXX. Violation of the Electronic Fund Transfer Act ( EFTA ) ( 15 U.S.C. 1693 et seq. ) : The EFTA ensures that consumers have the right to control their funds and make electronic transfers securely and reliably. By refusing to allow bank account linkage, XXXX hinders consumers ' ability to manage their funds effectively, especially when debit or credit cards are compromised. This limitation restricts consumers ' access to electronic payments, which is contrary to the principles of the EFTA, and unnecessarily complicates their ability to maintain continuous service. 
XXXX. Consumer Safety and Unconscionability : XXXX practice of immediately suspending XXXX services upon a payment failure, without offering a grace period or alternative resolution method, can be considered unconscionable. This practice unfairly disadvantages consumers by potentially leaving them without access to an essential service, which could lead to dangerous situations, particularly while traveling.
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK (MO)

On XX/XX/22 I opened an account with Discover Bank. I initially applied for a 6 month 0 % transfer balance but it was denied and I was offered a lower credit limit. I had no ideal that they would continue with the balance transfer even though my credit limit would not cover all of the funds that I had initially input but when I checked my balance after signing in online it was maxed. This was very unwelcome as having a maxed out credit card will harm my credit but since it was a lower interest rate so I tried to be optimistic and not complain. One month later I found that the balance transfer to my XXXX XXXX XXXX card never occurred. I called and was told that sometimes it takes time for the transfer to go through and to call again in a few days. I called a week later to both XXXX XXXX and to Discover alerting them that I have been paying interest on the {$400.00} to both XXXX XXXX and to them as there was no transfer received by XXXX XXXX but I was being billed by both banks for the same monies.There was little that XXXX XXXX could do so I put the burden on Discover. They then submitted a " dispute '' and after 1 week I called again only to be told that it takes " 10 days to follow the money trail. '' That was almost 1 month ago and I sent a message on the app and still nothing. I called them today on XX/XX/22 only to be transferred 3 times before I could not take anymore. I have spent hours on the phone and they are fully aware of the situation. I have made 2 payments to XXXX XXXX when the balance should be XXXX after the alleged balance transfer from discover. I was charged a transfer fee and my credit has suffered because of the amounts used on my credit cards is double. At this point I have done everything I am willing to do to resolve the situation. This is not only incompetence but theft that has stolen my time, money, affected my credit and caused me undo mental anguish. 

I expect a resolution and an apology is not an acceptable equivalent.