davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION (GA)

On XX/XX/XXXX I received a call that went to voicemail saying : This is an urgent message intended for my name is XXXX contacting you in regards to a complaint scheduled to be filed out of XXXX XXXX if you will not be available receive and sign for documents or if you are unaware of anything pending, it is urgent that you contact us back, at XXXX with reference number, requires immediate attention or we will be forced to move forward without her participation. 

I called back and they said they are calling on behalf of a creditor for a previous car loan back in XXXX. Saying I owe {$6400.00} I ask them for what vehicle because I did not have a vehicle solely in my name for 12 plus years and since been divorced from my ex husband. They said they will not give me the year make and model of he vehicle so I can be sure that the account or money owed is actually my debt and to get this information I would have to subpoena them for validation of debt and by that time I would already be sued by them and they will add an addition {$1500.00} in court because they rather get extra money than to give me all the info over the phone to prove to me that the debt belongs to me. I am unfamiliar with any of this information they provided. They claim they sent a letter I never received and now they are forced to move forward with suing me. I asked them for some type of documentation to understand what was going on but they only agreed to send me and email with a document. I asked them how long I have to respond and they gave me 48 hrs. I received the email but there is no address. I called back to get the address and the address they gave me doesn't contain any information regarding their name XXXX XXXX XXXX XXXX. I tried to reverse lookup the number and im only getting a website saying other people were called with the same issue by this number. Also, when I called the number there is no name or anything just a generic the person you have called is unavailable please leave a message. I called back and then got a guy who wouldn't tell me what all this was about. I call back again Then I got a girl named XXXX XXXX who says she has an assistant named XXXX XXXX who sent me the email. I voiced I was concerned that this was a scam and that I would like to make sure that the debt belongs to me. And she said the email was all they could send, and only when I'm sued and summoned to court will I get all of the information regarding the debt. Also Im concerned because I live in XXXX  and any debts I have is only from my previous residency in XXXX.
Consumer complaint received 2015-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Capital Markets Cooporative, LLC (MO)

Original loan required PMI insurance due to the slow turnover in our neighborhood and poor comps for home value. After 2 years of perfect payment history we paid for an appraisal and CMC Funding/XXXX would not consider it for removal of PMI. Our original loan was made with XXXX, however the loan was sold to CMC Funding.
Consumer complaint received 2016-07-14
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: BlueChip Financial (AL)

I applied for a {$500.00} payday loan online XXXX/XXXX/16. 
I later discovered that they are not licensed to do business in my State, which is Alabama. 
Nor do they meet the loan limits set by the XXXX regulator, thus I feel this loan is illegal and prohibited in the State of Alabama.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX reported my credit card account as XXXX  days delinquent for XXXX. The XXXX Payment was due on XX/XX/2023, and the payment was made on XX/XX/2023, which makes the credit card account XXXX days past due for XXXX and not XXXX  days delinquent. By Federal law, a late payment can only be reported to the credit reporting bureaus once it is XXXX  days past due. 

Section 623 of the FCRA and Regulation V generally provides that a furnisher must not give inaccurate consumer information to a credit reporting agency.

Also, under the FCRA - 623. [ 15 U.S.C. 1681s ] ( B ) Reporting information after notice and confirmation of errors.

A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate I have attached the following : -The XXXX statement for XXXX XXXX shows a payment of {$310.00} made on XX/XX/2023 and a new due date of XX/XX/2023 after the XXXX payment was applied. 

-My Bank Statement shows the {$310.00} payment coming from my checking account.

-My Credit report shows the XXXX XXXX XXXX payment reported as XXXX  days delinquent. 

Please remove the late payment from my credit bureau reports. I have excellent credit and have never had a late payment reported to the credit bureaus because I try my best to pay my bills on time. This late payment is inaccurate and negatively affecting my credit profile. I have enjoyed doing business with XXXX XXXX, and I look forward to having this issue corrected and continuing to do business with XXXX XXXX in the future.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number # XXXX
Consumer complaint received 2023-08-09
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)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2020-08-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: KEYCORP (IN)

Key Bank collector agency, Has refuse to Accept, My requests to stop collection due to the COVID-19 Pandemic executive order.

Myself I had take the time to email them I had take the time to mail document to the Main office in Ohio. They had not done anything to help me from collection then never follow the executive order. According to The collection agency Key Bank they don't follow order. 

This communication between they debt collector In my private telephone line it need to be stopped immediately.. They collect the agency has not stop trying to collect
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 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 XXXXXXXX XXXX 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 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 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA (FL)

This company as a furnisher and a repository has been given ample opportunity to correct all data on the credit report concerning student loans. They were given identity theft reports and there also has been affidavits filed with XXXX stating the same measure. What this may come down to is the securities fraud that they may be acting in as they have been warned several times that they have no consent to continue on the path they are own. I've asked them to produce the original contract and security agreement. They have yet to do that. I also sent them an invoice and Now I will start reaching out to the IRS and The S.E.C. for all of the Breach that has continued.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America has unlawfully charged me monthly maintenance fees on my two UTMA custodial accounts for my minor children. Ive been repeatedly charged $ 12 monthly maintenance fees for both of my UTMA accounts over several years. Ive tried to have this issue fixed several times but the waiver of being a minor has not been placed correctly and we continue to be charged on these two UTMA accounts, Id like all fees returned for both custodial accounts as this practice is unlawful. 
Ive called in several times and also gone into branches, Im told its fixed then it starts again. Originally I was told a {$25.00} weekly transfer will waive the fee but the accounts are UTMA accounts and dont require a minimum amount. It seems to be the wrong account type has been the issue and bad information has caused this issue.
Consumer complaint received 2023-09-06
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. (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.

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 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (SC)

15 U.S.C Section 602A. States I have the right to privacy. 15 U.S.C Section 604A. Section 2 : it also states 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. This ACCOUNTS ( XXXXXXXX XXXX  ) ACCOUNT ( XXXX ), XXXXXXXX XXXX ) ACCOUNT ( XXXX ) Has violated my rights
Consumer complaint received 2023-08-09
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 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 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX Account number XXXX this account is fraud i have spoken to the collection company in regard to this account they contact me at my work place. which violated my rights please remove account asap
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

My son had a XXXX  account with Wells Fargo. He received notifications on his phone that new recipients were added to XXXX on a XXXX  XXXX. We checked his account when he noticed and all his funds had recently been transferred out of his account. We called the bank immediately to complain and alert them of the potential fraud. The transaction was still flagged as pending given that it happened on a XXXX 

Wells Fargo took our report and promised to investigate. They conducted their investigation and decided that the transaction was valid since according to them it was initiated from an authenticated device. No evidence was provided of this being the case or explanation of how that could happen if my son didn't initiate the transaction. They told us that the determination was final. Total loss was {$360.00}.
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ut XXXX {$580.00} I have listed the accounts below in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA, unverifiable accounts must be promptly removed. 
I formally demand the following negative account records to be verified and/or removed immediately.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A. (AK)

Someone gained access to my mobile account and cashed checks and I was held responsible for these actions and they knew that there was a problem. They called me and told me that there was a breach in the security and they let this happen. Then they made me pay for it XXXX dollars worth and then have closed all my accounts and kept the remaining money in the accounts for two months now and there is no end in site
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN CLOSED ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-08-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

Please delete the following incorrect information from my credit report, it is inaccurate I'm never live in thefollowing addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And the following names are incorrect my name is " XXXX XXXX XXXX XXXX ''. Pleasedelete the following incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Incorrect employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also delete the following unauthorized hard inquiries these inquiriesis not belong n to me. 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