davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION (MN)

Credit  acceptance came and repo my car prior to that repossession my car was seen by my mechanic which at the time presented credit acceptance with statements about my vehicle being in good condition prior to the repo they broke my sylnoid plug and promised my mechanic they would pay after he fixed my vehicle they cut off all communication with him left me wit a XXXX balance for something they broke than raised the car note by XXXX $ than my car was repo again this time I had to pay XXXX $ didnt have a car lost my job and lost my place was staying in my moms basement with my XXXX XXXX XXXX child I got help from family and friends to get the money for the car when I got there with my daughter and boyfriend they tried to make me sign papers saying my car was in the same condition it was in when they got but I didnt sign my boyfriend told me know because this place broke my car the first time so I asked to see my car before signing these papers and they didnt wan na show me my vehicle so when I asked why not he said its busy hell find it and have it sent up front for me upon inspecting my vehicle i found out my car didnt work it had no power in gas it wouldnt drive pass 10 mph comes to find out i need a transaxle assembly but when i asked them whats wrong with my car they told me nothing was wrong wit it than when i tried to start my vehicle it wouldnt start. So at this point im getting mad im like why is my vehicle doing this the manger is like it needs a new battery thats all Ill even pay for one so I told them know can you give me a diagnostic check they refused to give me one without talking to credit acceptance first than thats when I had to wait 6 hours just for them to tell me my car doesnt have a transmission. Why would I come spend my last  XXXX $ for a car that doesnt work I thought I was getting my car back the same way they took operable not inoperable this wasnt fair to me or my family now I have this tremendous debt on my name because they broke my car and made my car not almost a XXXX dollars for a XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

I had a XXXX XXXX done for a XXXX  with XXXX XXXX They did a horrible job not only was the XXXX  to bulky, twice the size of my original XXXX that was causing XXXX XXXX  and my XXXX wouldnt close properly for months. But there was also a whole in the XXXX work from it being too bulky trying to adjust it and have it fit properly. The dentist refused to redo the work, and I was forced to go to another XXXX. I have proof from other XXXX how poor the job was. My credit card company did not back me up in this, even though I had to redo the work, literally seven weeks after the procedure. I had just completed with XXXX XXXX. I disputed it this case was not properly handled nor the investigation was thoroughly done and no one reached out to me to let me know what was going on. I had to constantly reach out to them and then they finally just closed my case on XX/XX/XXXX saying three months has gone by. Improperly handled, and my case was completely mishandled
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (CO)

I went through a hardship with Upgrade. After completing the hardship, I tried numerous times to log in to my account to see what the new ( original ) payment was and due date. The website was down for almost 2 weeks and as a result, no one ever returned a phone call either. No way to log in to get due date or amount or any way to make the payment. Have pics of website error message every time I tried to log in.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

As a Federally protected Consumer I am opting out of any and all authorization I the consumer may have given whether written or verbal or implied per title 15 USC 6802 and the Privacy Act of 1974. I called the number provided by XXXX 's website for their privacy policy. Requested to opt out of XXXX XXXX XXXX  sharing my non public info. The representative I spoke with whose name is XXXX XXXX XXXX XXXX told me there was no opt out option available. This interaction took place XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation (TX)

Re : Notice of Claim Pursuant to 15 USC 6801, 15 USC 6802, 16 CFR 313, and the Privacy Act of 1974 Dear XXXX XXXX I am writing to bring to your attention a matter concerning the unauthorized disclosure and handling of personal information, which I believe contravenes the stipulations set forth in the laws governing consumer privacy, specifically 15 USC 6801, 15 USC 6802, 16 CFR 313, and the Privacy Act of 1974.

including details of unauthorized disclosure or mishandling of personal information.

As per 15 USC 6801 and 15 USC 6802, entities are obligated to protect the confidentiality of consumer information and are prohibited from disclosing it to unauthorized third parties without consent. Moreover, the regulations outlined in 16 CFR 313 require compliance with certain standards for safeguarding consumer information. The Privacy Act of 1974 similarly mandates the protection of individuals privacy rights concerning their personal data held by federal agencies.

the violation has impacted ME WITH financial losses, emotional distress, HUMILIATION, DEFAMATION, SEVER INTENTIONAL EMOTIONAL STRESS AND SEVERE HARDSHIP ] In light of the aforementioned VIOLATION OF SHARING MY PERSONAL NON PUBLIC INFORMATION I WAN NA OPT OUT IF I EVER GAVE U WRITTEN NIN WRITTEN OR VERBALLY CONSENT I REVOKE THAT AND YOU ARE NO LONGER ALLOWED EFFECTIVE IMMEDIATELY AND i I demand immediate action to rectify the situation, including but not limited to : 1. A complete investigation into the unauthorized disclosure or mishandling of my personal information.

2. Notification to all relevant parties of the breach and the steps being taken to address it.

3. Assurance of enhanced measures to prevent future sharing of non public transactions and to comply fully with the aforementioned laws and regulations.

4. Compensation for any damages incurred as a result of this privacy violation.

Please respond within [ specify a reasonable timeframe, e.g., 30 days ] to address these concerns. Failure to do so may compel me to pursue legal action to protect my rights under the stated laws.

I expect your prompt attention to this matter. Thank you for your immediate action in resolving this issue as you have violated Right that I have that I took from me knowingly and willingly 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 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXXXXXX XXXX XXXX XXXX. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I " XXXX XXXX XXXX '' have noticed late payments on my consumer report that must be removed and deleted. Within addition, I request a new update with the credit cards reporting payments on time. According to the law FCRA 15 USC 1681 a 2Ai. ( 2 ) exclusions. - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The credit bureaus have violated these consumer laws and must be held accountable for.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/202XXXX XXXX
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BMW Financial Services NA, LLC (CA)

I had been paying my due payment plus an extra XXXX to XXXX dollars to reduce and cover late fees on my account. I then come to find out that none of the payments were being applied as the system said they would be. The system for XXXX XXXX indicates that if a payment is made past the due date a fee is assessed.. in order to pay the due fee Id make my payment with additional funds to cover the fee. I come to find out that not only were the late fees not being applied correctly but that there is interest accruing on the fees! I called and got this information from a representative. The rep indicated that it could take time to get this resolved and that someone from BMW would call me. Noones called me. The fees are still there. The thing that BMW did do  however, was apply the extra funds I paid to the next payment due. This was not reflected on the monthly billing statement however, as the monthly payment continued to reflect the full amount. I believe that BMW even marked me as 30 day late one or two time because of this confusion, as I paid the true amount due, as opposed to what was on the statement.
Consumer complaint received 2018-01-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

In XX/XX/XXXX I received notification of 4 collection accounts placed on my Credit report by XXXX XXXX XXXX, which lowered my score 44 points! Having never heard of these people I disputed the debts. The date reported to CRA as acct open date was XX/XX/XXXX. The debts appeared to be from XX/XX/XXXX hospitalization, which insurance covered to my knowledge. I disputed debts thru CRA and all were removed in XX/XX/XXXX. In XX/XX/XXXX I again had a major score drop and upon checking Commonwealth had again placed these collections on my report plus added another one. The date reported as opened now says XX/XX/XXXX. I again disputed but this time CRA verified. I am curious as to how this previously removed debt with an added amount can be verified. Date changing is not allowed by law. Commonwealth has made no effort to provide me any documentation verifying this debt or original date incurred to OC. In doing research I have discovered it is unlikely an OC " assigned '' the debt to Commonwealth as they are junk debt buyers with numerous complaints against them for violations of FCRA and FDCPA. Can you help with getting them to comply with laws?
Consumer complaint received 2018-01-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

After 14 years of perfect payments, I missed my XX/XX/XXXX {$480.00} mortgage payment ( Taxes and Ins escrowed ) during Hurricane Irma. My city  XXXX, FL in county XXXX county was declared a federal disaster area during which I went 7 days without electric and water. I spent {$200.00} on fuel to run my generator to survive. I have been able to make all future payments. Wells Fargo home Mortgage gave me 3 months to catch up which I could n't. The now will not accept payments from me and are saying I 'm two months behind plus late fees. They have offered me short term mortgage assistance with three payments of {$60.00} starting XX/XX/XXXX. I 'm not sure how making a lesser payment will allow me to catch up. They also informed me that accepting this offer may adversely impact my credit score. I am greatly concerned I am being set up to fail so they can collect the mortgage insurance and I will loose my home of 14 years.
Consumer complaint received 2018-01-11
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FC HoldCo LLC (AZ)

I was advised by the Attorney Generals Office to file a complaint due to jurisdiction regulation of the matter. This matter involves an Auto Loan that is being reported by a company named XXXX XXXX. The information suddenly appeared on my credit report last year. I immediately filed a fraud dispute with all three credit reporting agencies. The initial date it reports on my file is as open is XX/XX/XXXX and a last payment made XX/XX/XXXX. This in itself is contradictory. It shows a balance owed of {$6800.00}. They are reporting 8 late payments for a period of 90 days. To no avail the information yet remains on my credit file. I am unaware of any loan being initiated with this company. I ask that this matter please be investigated for accuracy.
Consumer complaint received 2018-01-11
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. (FL)

I show XXXX inquires on my experian report that should not be and was not performed by me, I have requested by letter XX/XX/XXXX with copy of companies that they do not belong to me, they have refused to remove off report. 
XXXX -XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2018-01-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pollack & Rosen, P.A. (FL)

XXXX XXXX XXXX XXXX SSN This account is held by Pollack & Rosen XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number XXXX Filing a small claims suit on a statue of limitation credit card in Florida the statue of limitations is five years Florida is a debtor state and this can not be collected on after the bank XXXX XXXX has written it off after seven years
Consumer complaint received 2018-01-11
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. (FL)

I show XXXX inquires on my transnunion report that should not be and was not performed by me, I have requested by letter XX/XX/XXXX with copy of companies that they do not belong to me, they have refused to remove off report. 
XXXX/XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2018-01-11
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. (PA)

Equifax Equifax has in error XXXX XXXX the wrong amount of Loan as {$27000.00} which is wrong in in error by Equifax. 

My original loan was : XXXX not {$27000.00} as stated or showing on my credit report by Equifax. 

Equifax has in error to there reporting as stated on my credit report and information obtain or gathered as false and created by Equifax in error or obtain wrong by Equifax. 

XXXX XXXX did not supply delinquency information correct as stated by the letter I 'm providing as in XXXX : We did not supply delinquency information to credit reporting agencies. 
There XXXX XXXX is the originator of the loan and the owner of this account. 
And as stated XXXX XXXX did not have this loan as Equifax has for years XX/XX/XXXX,XX/XX/XXXX so Equifax reported for in error because the loan was transferred as stated by XXXX to this loan. The information Equifax has showing is in error and false by Equifax as stated by chase there was no loan in XX/XX/XXXX,XX/XX/XXXX as stated by Equifax Documents and loan amount provided by XXXX as proof. Loan was paid off.
Consumer complaint received 2018-01-10
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I have made several attempts on my own to reach a understanding of the additional fees accumulating on my account and was unsuccessful. In XX/XX/XXXX, I asked an attorney to assist with reaching a resolution. The attorney sent a letter and was able to get a full detailed record of the account in XX/XX/XXXX but was unable to get a response to the request to explain the fees, which was the original request. The attorney representing me was referred to a attorney at XXXX XXXX XXXX and she was told they have only two attorney 's and they would get back to my representative as soon as they can. As of today, my attorney has followed-up with several phone calls and no return call or letter response received. I would like to reach a resolution for this account but unable to get answers from anyone. Its been more than six months and we have not been able to talk to someone.