davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-23
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Self Financial Inc. (MN)

I had a credit builder savings account # XXXX that I paid monthly, one of those charges did not enter and they charged me charges that I did not accept, for 02 consecutive months they added those charges and did not return all the money I deposited. me. In the month of XX/XX/2021 I disputed the charges, but they did not respond to me and marked me with delays even though they were supposed to be disputed.
Consumer complaint received 2023-07-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMCOL Systems, Inc. (IN)

This is my debt, however there werent many resources to assist with the amount that is due. I tried a payment plan but the amount was too much for me to handle. I can do like {$100.00} a month but thats going to take forever to pay off and also have other bills that are due. If theres any way to assist with my debt, that would help a lot.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP (CA)

I applied for credit card account from us bank and was denied pursuant 12 cfr 1002.4 discrimination was the reason I was unlawfully denied also 15 us code 1611 its illegal to deny us credit credit is our right. 15 us code 1691 a and ucc3-302 I should never be treated so inhumane I have been discriminated lied and my right infringed also reporting this to my credit report without my consent is illegal as well
Consumer complaint received 2018-10-23
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. (TN)

I am a victim of Identity theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and TransUnion XXXX, XXXX and XXXX are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The Bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please Contact these bureaus about their illegal behavior and have them comply with federal law and respect the rights of Identity Theft victims, such as myself.
Consumer complaint received 2018-10-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

I purchased my home XX/XX/XXXX, I have paid my loan accordingly {$1600.00}, but always paid {$1700.00} and escrow is paid per the lender. However various lenders have held the loan, one of which ran an incorrect escrow analysis, The lender was XXXX in XX/XX/XXXX, lowered my payment in error and sent me a check for the overage. In the interim, my county office did a reassessment in which the value of my house increased, and knew it would affect my payment about XXXX. Wells Fargo now owns the loan, I called numerous times since XX/XX/XXXX to correct and they were unable to resolve because they were unable to understand what transpired once the loan was sold to a different lender. Due to the shortage in the escrow my payment increased to {$2400.00}, in which I have spoken to numerous escalated representatives with Wells Fargo, and they are still working on the resolution. They closed the case previously in which I was not satisfied because they still had not concluded the resolve for the payment increase and each time I make a payment of {$1700.00} it appears that my payment is in default since they increased the payment to {$2400.00} They did send notices of foreclosure previously and reported to credit, however they have since halted the notices and blocked the credit reporting. I am looking to transition to a different state and am unable to move forward until this is rectified. I need assistance. I have contacted my PA state rep. and they did write a letter, however it has now been over a year!! 
Thank you
Consumer complaint received 2023-07-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation (AL)

Previously, I have asked the credit bureau to investigate the accounts listed below for accuracy. I received an updated reporting stating accounts were verified and are accurate. I ran a recent report and have attached detailed information arguing that an investigation has not been done. I sent these letters certified XXXX, and XX/XX/23. XX/XX/23 Certified Mail Tracking XXXX XX/XX/23 Certified Mail Tracking number : XXXX XX/XX/23 Certified Mail Tracking XXXX In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. Account Name : Account Name : Bridgecrest Formerly Dri Account Number : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC (FL)

I called the hospital and they said they never sent me to collections or have a outstanding debt, Wakefield and associates is the collection agency and the hospital said they dont work with them? Phantom debt! The hospital said my last visit was XXXX and the collection agency reported a unknown debt in XXXX and also charging me XXXX $ every 4 days, medical bills dont have interest in the XXXX orignal agreement I keep all my records. Ive disputed this and told the collection agency and the credit bureaus to call the original agreement only XXXX XXXX verified and deleted it from the credit bureau. Its still on XXXX and XXXX and rising in amount owed. They are breaking several laws and nobody cares.
Consumer complaint received 2023-07-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (NY)

This Loan was offered under false pretenses. I am writing to file a complaint regarding the exorbitant charges associated with my car loan credit acceptance, which has placed a significant financial burden on me and has negatively impacted both my credit report and personal life. I urge you to investigate this matter and take appropriate action to rectify the situation. I entered into an agreement with Credit Acceptance on a car loan on XX/XX/XXXX XXXX was sold a car for {$17000.00} and Charged a 22.99 % APR which turned my XXXX car into a {$31000.00}. Credit Acceptance as well as the dealership sold me a car that had faulty breaks. According to XXXX, the car had 3 recalls because of this issue. the car had 3 owners before me and was involved in several car accidents before me. I have taken the car to mechanics for the faulty breaks over 4 times. When buying this car I was not provided a car fax at the dealership which could have prevented all of this had I known. in XXXX  because of this faulty break I was in a car crash that nearly took my life. I was unable to recover the car and till this day I am being over charged for a car that I no longer have, and I no longer know its whereabouts. I am also being charged late fee 's on this car. 
I believe I was taking advantage of not only by the dealership but also by Credit acceptance. I believe I am a victim of predatory lending which is Illegal in the state of NJ where I originally got the car from and in the state of new York where I live. The stress of constantly worrying about payments, which is constantly dropping my credit score, and experiencing a decline in my creditworthiness has taken a toll on my mental and emotional well-being. I am seeking your assistance in rectifying this unjust situation. I kindly request that you investigate the terms and conditions of my car loan agreement and take appropriate action against Credit Acceptance for their predatory lending practices. I believe that such practices not only exploit vulnerable consumers but also undermine the principles of fair lending and consumer protection. I kindly request the following actions be taken.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (CA)

I spoke with the representative we made an agreement that I would pay half of what I owed of XXXX, I agreed to pay XXXX, I paid XXXX date XX/XX/2023 you will see the screenshot of my bank account. I paid it right at that moment so I can be done with this, the transaction was completed and the representative told me that we are okay and that the account it settled and that it would resolve my account but I see a balance still owed of XXXX I called but they keep telling me they dont have access to my account We agreed that I would pay half and that the accounts would be settled. I have screenshots of your agreement.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (PA)

On XX/XX/2022 I went into Huntington Bank in XXXX, PA ( XXXX XXXX XXXX, XXXX, PA XXXX ) and spoke with I person my the name XXXX. I worked with her that day to close out my checking account because there was fraudulent activity within my checking account from someone getting ahold of my account information/account number. XXXX withdrew the rest of my fund which was between XXXX and XXXX and she closed my account out. Come to find out almost a year later, my account was never closed out until XXXX of 2022 due to fraudulent charges trying to come out. Huntington Bank never contacted and if they did they never left a message to notify me. I want file a complaint and this looked into asap because they let fraudulent payments come out after I closed my account on XX/XX/2022
Consumer complaint received 2023-07-28
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: Experian Information Solutions Inc. (MO)

I ask Experian to do a dispute on XXXX XXXX on my credit report. And they did they stated that it was accurate, and I did a closer research myself I found improper inaccuracy on my credit report even after they did their research. 

In accordance to the Fair Credit Reporting act XXXX XXXX Acct XXXX XXXXXXXX, has violated my rights.

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (GA)

This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a violation of my XXXX privacy and the reporting agency has violated my rights per the consumer credit/finance laws.
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX  XXXX Balance : {$28000.00} XXXX  XXXX Balance : {$30000.00}
Consumer complaint received 2023-07-28
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: EQUIFAX, 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 2020-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I went to check on my credit history and I noticed that several credit cards have been opened under my name. I called the credit cards and I have no recollection of ever having these cards. I need this accounts to be removed off my credit report history from all three credit reporting agencies immediately. I'm in the process of applying for a mortgage and this will ruin my chances of getting the home that I need for my family.
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (CA)

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 USC 1681. 

XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXhas violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-07-28
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: EQUIFAX, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These accounts should be corrected : XXXX XXXX XXXX XXXX XXXX Balance {$47000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$28000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$47000.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$28000.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$10000.00} ; XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$47000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$28000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00}.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

In the last 60 days I've been garnished by this XXXX XXXX of s total sum amount of $XXXX, every single month since I've had this loan they've been adding $XXXX every single month to the balance since the date of voluntary repossession of XX/XX/XXXX. Now they are garnishing me again knowing I am a single mother also XXXX XXXX of XXXX XXXX  children and I have left emails but the company manager is so unprofessional he just forwards my email rather than giving me an immediate response. I have had this same balance for three years and they are the most fraudulent sub prime lender out here. Ive paid over $XXXX XXXX for a $XXXX   loan and why does my balance still reflect $XXXX? Where I started? XXXX XXXX are not following correct practices have never showed me no evidence of the repo sale nor a detailed billing of my entire account I requested since I first had this loan. They are a joke to consumers ripping off subprime consumers. I have other coworkers who are also with credit concepts who have showed me evidence of their wrongdoings and we are all going to take this to Attorney general.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (CA)

To whom it may concern I have 2 accounts with affirm that were paid off a year ago Ive never received an email saying that a payment were pending and when I checked on the account I had those accounts in collections I paid them off one account was for {$48.00} and the other on was for {$300.00} again this was paid off a year ago.. 
Yesterday, it turned out it was showing I still owed them the same money Also please check on the name on the accounts because the order was made under XXXX XXXX and not XXXX XXXX I need this off my credit report because is really affecting me
Consumer complaint received 2023-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (MD)

I tried opening my account with the same username and password that I have always have, but it gave me an incorrect password notification. When I went to reset my password with the email address on file XXXX, it never sent a recovery email. So I am unable to login to my account and the password recovery is not working. Please help!