davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC (TX)

I purchased a XXXX XXXX XXXX on XX/XX/2020 from XXXX XXXX XXXX XXXX XXXX. The car cost {$15000.00} and I was charged $! XXXX for taxes and a {$150.00} admin charge. That total came up to {$17000.00}. I put {$3000.00} down on the vehicle and the price dropped to {$14000.00}. This should have been the amount that I financed for the vehicle. The actual amount that I ended up financing was {$17000.00}. I guess they included the license and registration fee. The cost to finance my car came out to {$19000.00}. The finance charge was XXXX XXXX My total of payments came to {$36000.00}. {$3000.00} ( my down payment ) was added on to that making the total sale price of the car {$39000.00} for a XXXX XXXX XXXX with over XXXX miles on it. My payments were suppose to be {$500.00} for 72 months with the first payment beginning XX/XX/2020. After making over two years worth of payments, I now realize that I will never pay this car off because all of the payments are going toward the interest that continues to accumulate. I was supposed to try and get the car refinanced after the first year, but the car loan itself is so bad that I could not find a financial institution willing to refinance my car. I have paid over {$3000.00} in repairs for my vehicle and it still has a mechanical problem. Sometimes, the car just won't start. It has the auto-shut-off-auto-start feature and it seems to have a computer problem. I only take my car to the dealership and they are not sure what's wrong with it. The principle balance on my car is currently {$17000.00}. Remember, it started out at {$17000.00}. I contacted the finance company concerning this matter to see if I can get the interest rate adjusted, but they just told me that the payments will basically adjust themselves. I don't see how. I see no end to this. This car loan has negatively affected my credit, even when I had made my payments on time because of the continued high principle that never went down from {$17000.00}.
Consumer complaint received 2023-05-23
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

I was ignored and refused refund by XXXX and talked over time and time again about this alleged contract. The agent I was speaking to was not understandable and kept telling me the account was closed but would not acknowledge a refund for what was taken.
Consumer complaint received 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-23
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. (CA)

This is my XXXX 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX Balance Owed : {$3900.00}
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

I provided an updated profit & loss statement to SLS via fax number XXXX and email address XXXXXXXXXXXX on XX/XX/2016, XX/XX/2016 and XX/XX/2016. 
I also confirmed with a SLS representative via phone that they were in receipt of the enclosed updated profit & loss statement that show my gross monthly income as follows from XX/XX/2016 thru XX/XX/2016. 
Gross Receipts XXXX TOTAL INCOME XXXX Expenses TOTAL EXPENSES XXXX Net Profit / Loss TOTAL INCOME : XXXX - TOTAL EXPENSES : XXXX = TOTAL MONTHLY NET PROFIT : XXXX Specialized Loan Servicing ( SLS ) violated loss mitigation procedures. SLS knowingly miscalculated my monthly income after being provided with updated financial information via email, phone and fax. SLS used the wrong profit & loss statement. 
SLS is concealing the fact they had my updated information prior to making a loan modification determination. SLS also ignored my letter of Notice of Error and Requests for Information which was sent via email and fax on XX/XX/2016.
Consumer complaint received 2023-05-24
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the FCRA you are in violation. 

Capital one XXXX Account ending in XXXX 12 CFR 1026.11 - Treatment of credit balances ; account termination.

1026.11 Treatment of credit balances ; account termination.

( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I HAVE RECENTLY OBTAIN A COPY OF MY CREDIT REPORT AND NOTICE THESE FRADULENT ACCOUNT ON MY CREDIT PROFILE. I TRIED CORRECTING THE ISSUE WITH CREDIT AGENCIES AND HAVE BEEN UNSUCCESSFUL.
Consumer complaint received 2023-05-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (NY)

I have a XXXX XXXX XXXX XXXX XXXX account through Barclays. The account was opened in XXXX. I was given a credit line of {$14000.00}. I have always made my payments. I have XXXX children under XXXX so things can get tight and the card was basically maxed out for some time. Again, I still made my payments. On XX/XX/XXXX, I made a payment of {$14000.00} this brought my balance below {$2000.00}. I wanted to pay that large amount so we would have a credit card with a good credit line for emergencies. This is/was my highest credit line. Today XX/XX/XXXX, I received a letter from Barclays dated XX/XX/XXXX, after I made this enoumous payment that Barclays was reducing my credit line to {$2400.00}. I know they " base '' it on credit reporting or all the other made up things banks use, but this is a very dishonest, almost fruadulet way to do business. Barclays had plenty of time to reduce my balance well before I paid $ XXXX. But, NO! As soon as I pay that large amount Barclay 's drops my credit to basically nothing in the case of an emergency situation. I only paid such a large amount to one card specifically to create a safety net for my family. If I would have know this is how they conduct business, I would have probably done things much differently with that {$14000.00}. I had to jump through hoops with the banks to even get that money. It was a home equity loan. What they did is not right and I know Barclays has all the proper responses. But anyone looking at this at face value would agree that what Barclay 's did was wrong. I feel as if they stole {$14000.00} from me. Please advise if I have any recourse. This just is not right.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Third Dispute Regarding Inaccurate Late Payments Dear CFPB, I am filing a formal complaint against your agency for failing to correct inaccurate information regarding late payments reported on my credit report for XXXX of my accounts. Despite multiple requests for correction, including letters dated XXXX and XXXX, my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Disputed Information : Late payment notations remain inaccurately reported despite my payment history showing all payments were made on time. Specifically, your records inaccurately report the following : XXXX late payment in XX/XX/XXXX. 
XXXX late payment in XX/XX/XXXX. 
These inaccuracies are reflected in the reports from both TransUnion and XXXX, while XXXX fails to report this account entirely. The remarks in your records indicate " Account was in dispute- now resolved - reported by subscriber, '' yet the errors remain uncorrected. 
Violations Identified : FCRA Violations : 15 U.S. Code 1681i : Requires credit reporting agencies to ensure the accuracy of information in consumer files. This has not been upheld in my case. 
15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness.

PAANL Violations : Under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are obligated to provide timely statements to prevent unfair penalties to consumers. This responsibility has not been met, as evidenced by the inaccurate reporting.

Desired Resolution : Immediate removal of all inaccurate late payment notations from my credit report.

Written confirmation of the correction made to my credit file.

If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant regulatory agencies and pursuing potential legal action.

Attachments : To assist with your investigation, I have included : Copy of my Social Security Number.

Copy of government-issued ID.

Proof of address. 
Highlighted credit report indicating the inaccuracies. 
I kindly request that you provide a detailed description of the investigation process and the evidence used to validate the late payments within 15 days, as required by the FCRA. 
Thank you for your prompt attention to this matter. I look forward to receiving a resolution and confirmation of corrections within the timeframe mandated by law. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-24
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. (PA)

Im accordance with the fair credit reporting act I have some accounts that are in violation of law 15 usc 6802 -Obligations with respect to disclosures of personal information ( b ) opt out states ( 1 ) In general A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 0f this title, that such information may be disclosed to a third party. I never gave or received anything in writing giving permission to disclose public information. If you have no documents stating i gave permission to disclose information please delete this account from my consumer report.

Please delete the following inquiries off my consumer report.They should not be on my report. This agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. In addition to the violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information from the file of the consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporing agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify the item of information, as appropriate, based on the results of the investigation. : This account is inaccurate showing different information not accurate. Please delete the following accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to respond satisfactorily with deletion of the above reference accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for ; 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance -616.Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2023-05-23
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. (AL)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-23
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-23
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. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

I have had a Synchrony Care Credit card for over 3 years and have worked tirelessly to pay off any and all balances as quickly as possible when Ive used it. Without warning, on XX/XX/XXXX, they closed my account. After spending literally 45 minutes on the phone I was transferred to an account manager who simply stated that they reserve the right to close their cards whenever they do a review of the persons credit, debt to income ratio, debt to credit ratio and other factors. My spouse is undergoing XXXX treatments and this card was my lifeline. It had a XXXX balance with a {$1000.00} line of credit and we needed to use it this week for treatments. They left the other 2 cards I have with them with much smaller balances open, because of course theyre making money from the interest. 3 years Ive paid this card off whenever its been used without fail. Their complete lack of empathy or ethics is absolutely astounding. Why can they just close an account and reply with Weve mailed notification to you as to why but then not close the accounts with a balance? That just raised my debt to balance ratio significantly and my spouse CAN NOT WORK and is seeking treatments for XXXX XXXX What am I supposed to do now, that I really need those funds? Theyre response of, you can always reapply or see if you prequalify was not sufficient. They could have lowered the balance or reached out to me BEFORE just closing the card with impeccable payment history. I still dont have the email or letter they allegedly mailed out 3 days ago to tell me they closed my account without ethical cause or reason. I guess they were not making enough of a percentage return to value the fact that this card was incredibly important to me.
Consumer complaint received 2023-05-24
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. (CA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX XXXX it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my sixth 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 record I am questioning connects 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 alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00}.