davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: American Credit Acceptance, LLC (GA)

On XX/XX/year> with American Credit Acceptance and the adverse action taken against me in the denial letter I was sent on XX/XX/year>. The entire application process was discriminatory and deceptive. My application was made in good faith as a consumer credit transaction solely for personal family and household purposes. My signature that was obtained during the application is the value that was given and I have received no equal consideration. The disclosures as well as the terms and conditions during the application process were adhesive and I was unable to negotiate or opt out. 

On XX/XX/year>, I received an adverse action letter stating that my application was denied due to information accessed from my XXXX credit report. The letter was filled with deceptive, vague and contradictory language. ( Ex. The reporting agency played no part in our decision & We also obtained your credit score from the following consumer reporting agencies and used it in making our credit decision ). I contacted the number provided on the denial letter to get additional details and spoke with multiple representatives including XXXX XXXX ( XXXX. of operations ). All of the representatives I spoke with told me that my denial was based on a credit freeze on my XXXX report. I was advised to reach out to XXXX for more information. After speaking with a representative from XXXX I was informed that there was no credit freeze whatsoever on my profile but that there was an extended fraud alert. I was informed that the fraud alert does not effect my ability to obtain credit. It is solely for third party companies who are attempting to check my credit to take extra verification measures to confirm my identity BEFORE completing any applications. ACA did not contact me for further verification before furnishing an inquiry through XXXX report and denying my application although my email address, home address, and phone number were submitted on my application. 
I have attempted to deal with the company personally after speaking to XXXX XXXX ( XXXX XXXX XXXX  ). He refused to give me his work email and instead gave me the general underwriting email. I have attempted to email the underwriting dept as well as the XXXXXXXX XXXX XXXXXXXX with my complaint only to receive " delivery failure '' responses or " mailbox is full ''.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I was approved for a loan on XX/XX/year>. The loan company said they needed to change my banking password. When they changed my password they also got into my account and disputed several of my valid transactions. This was Huntington bank. When the bank issued provisional credits easy finance company then XXXX  those funds to a XXXX  party individual. I was told by the bank to come into the branch to file a dispute which I did. The bank reversed the provisional credits but did not reverse the XXXX payment. They stated the XXXX payment was consistent with my usage. Despite the fact this was a recipient new to me and out of my area code. The recipient is not even in my XXXX  contacts.
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (WA)

I signed up for a credit card with a high yearly fee due to the benefits it says it came with. XXXX benefit, as I understood it, was a free night at a hotel that I would receive XXXX weeks after signing up for the card. After XXXX weeks I reached out to see why I didnt receive the benefit at which point the company informed me that the benefit was only in the XXXX  year of having paid for membership. 

The language below was included in the fine print but describes a wholly different benefit to the Free Award Night benefit that you only get after the XXXX  year. 

Free Night Award The Free Night Award has a redemption value of up to XXXX points for XXXX standard room. Certain resort fees may apply. 
It may take up to XXXX weeks for the Free Night Award to be deposited into the XXXX XXXX member account after the Card Member selects this benefit. 
Award is only available to the Basic Card Member on the account. Award is valid for XXXX  ( XXXX ) year from issuance date. Award may not be transferred, extended beyond the expiration date, or re-credited for points. 
Free Night Award Redemption is subject to availability. Participating hotels may limit the number of standard rooms available for redemption on a limited number of days.
Consumer complaint received 2023-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC (FL)

I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the companies listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. I have Contacted each creditor individually and all have stated the proper documentation & request has been sent to your bureau to have this inquiry removed. I ask that it be removed immediately from my credit file.
Consumer complaint received 2024-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I am writing to express my disappointment with the inaccurate credit reporting done by XXXX XXXX. This reporting has severely damaged my financial situation. On XX/XX/24 I noticed a new account on my credit report that I did not open. I immediately sent a notice to XXXX XXXX, requesting them to validate the debt and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. Despite my notice, XXXX XXXX has not taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that XXXX XXXX immediately remove the imputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If XXXX XXXX does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST NATIONAL BANK OF OMAHA (GA)

On my credit report theres an inquiry from FNB OMAHA on XX/XX/year>. I called XXXX about this to get it removed, I was told I had to call the company and they would send out the information to XXXX to have them remove the inquiry. I called the company, they could not find any information about me. I gave the representative my name and full SSN. After searching their database and finding nothing I was told we dont send out information to the credit agencies. I informed them that an agent from XXXX told me to call them to resolve the issue. 

FNB OMAHA XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-07-22
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC (GA)

Was in hospital due to severe complications was in for almost 2 weeks had no way to pay titlemax on maturity date, called to speak about trying to catch up on my payments and wasn't given but 2 days to come up with over {$320.00} which was a complete surprise to me because they've been charging over {$7.00} per day where they took {$80.00} from me on XX/XX/year> and was still adding more and more fees to where I can't pay so I'm trying to figure out how they're charging so much when there shouldn't be but one late fee if I'm not mistaken so now I'm probably about to lose my only way of transport to and from work and also lose my job because of some greedy XXXX company
Consumer complaint received 2024-07-25
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. (CA)

I'm unable to log into my Experian account. After clicking on " forgot username '', I get the message to enter SSN and birthdate. They couldn't find my profile. I called their customer service line, but the entire line is self service trying to redirect customer to online portal which I can not log into and there is no LIVE customer service on that line. The only phone numbers are tailored to their business accounts. This is unacceptable that I can not speak to a live person to address the issue. There are also no forms online to fill out to send an email.
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XX/XX/XXXX went order new card ..card never came told me they was have problems with the vendor..I told them I wouldn't to withdraw my money out other that XXXX in savings XXXX in checking they told me to come in on Wednesday cause it take a minute to get the money together... XXXX.I didn't believe them So ..I went up there and the worker claimed that the reason the card didn't come was because it said XXXX XXXX XXXX XXXX ..I took Huntington later out my bag from this year and XXXX that had XXXX XXXX them that I received cause I knew that was going to be an excuse ..so then she ordered another card and said it was rushed and would be there in Monday XX/XX/XXXX Once again..I didn't believe her continued the correct procedure to withdrawal not the suggested showing up on Wednesday... So ..I then was told to come in Tuesday.. Tuesday came ... of course went and got my money and left the XXXX in each account as I said I was..when I came they asked if the card came on Monday... I let them know It didn't ..and proceeded to let them use the counter and timer to count out my money ... they never mentioned anything else about the debit card ..Today is Thursday not sure if the stopped the card cause I withdraw the money or not ..would like to start an arbitration on the matter ..have cost me time my health and money
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MD)

I find this really worrisome, upon checking of my credit report today, I noticed that there are inquiries in it that I do not recognize which was very alarming because I am fully aware that I did not apply with these companies and nor given them consent/authorization to access my report and information. These fraudulent and unauthorized inquiries are making me anxious and stressed out, It's a blatant violation of my rights as a consumer.
Consumer complaint received 2024-07-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (OH)

Dear Helvey & Associates Inc,, Im writing to formally dispute the collection account below, which is currently appearing on my credit report. Please consider this letter a formal request to remove this account based on multiple violations of consumer protection laws. 

Account Information : Creditors Name : Helvey & Assoc Inc Account Number : XXXX Amount : {$310.00} Violations of Consumer Protection Laws : 1. 12 CFR 1006.34 ( b ) ( 5 ) - Debt Collection Practices ( Regulation F ) : This section mandates that debt collectors must provide a validation notice containing specific information about the debt. The collection account on my credit report does not meet these requirements, thus making it invalid. 
2. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) - Validation Information : The debt collector must provide certain validation information, including the name of the creditor to whom the debt is owed and other key details. This information has not been provided to me in the required manner.

3. 12 CFR 1006.34 ( d ) - Model Validation Notice : The collection agency is required to use a model validation notice or provide all necessary information in a similar format. The collection account on my credit report does not conform to this requirement.

4. 15 USC 1681s-2 ( a ) - Responsibilities of Furnishers of Information : Furnishers of information must not report inaccurate information and should be 100 % accurate by law on all three credit reporting agencies. This debt is reported differently on all three. This account is reported with inconsistencies and should be removed.

5. 15 USC 1692g - Validation of Debts : Within five days of initial communication, the debt collector must provide a written notice containing the amount of the debt, the name of the creditor, and the consumers rights to dispute the debt. This requirement has not been fulfilled. 
6. 15 USC 1692d - Harassment or Abuse : Debt collectors are prohibited from engaging in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. The actions of the collection agency in this matter constitute harassment.

7. Your credit collection agency is required to have a license to collect in the state of Ohio. Attempting to collect a debt without a proper license is illegal. 

Please investigate this matter and provide me with written confirmation of the removal of this account. 

Thank you for your prompt attention to this matter
Consumer complaint received 2024-07-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (VA)

I have discovered that SUNRISE CREDIT SERVICES, INC. is reporting inaccurate information on my credit report without ever notifying me about the alleged debt, my rights to dispute or pay it, or the potential impact on my credit report. This failure to provide proper notification and accurate information violates my rights under both the Fair Debt Collection Practices Act ( FDCPA ), specifically sections 1692e ( prohibiting deceptive practices ), 1692g ( mandating debt validation ), and the Fair Credit Reporting Act ( FCRA ) section 1681s-2, which requires creditors and debt collectors to furnish accurate information to credit reporting agencies.

Under the FDCPA ( 15 U.S.C. 1692g ), debt collectors must provide consumers with specific information about their debts and their rights. If the debt collection company claims they sent an initial letter, I request proof of this notification sent by certified mail, as required by law. This inaccurate reporting has significantly harmed my credit profile, impacting my financial standing. I expect this serious violation to be rectified immediately to ensure compliance with federal law.
Consumer complaint received 2024-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
XXXX XXXX XXXX XXXXXXXX LVNVFUNDG XXXX
Consumer complaint received 2024-07-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Concord Servicing Corporation (MN)

The original creditor ( XXXX ) started calling me repeatedly, sometimes multiple times in a single day, starting on the FIRST day after my payment was late. I had never made a single late payment before, and I had called ahead of time to ask if they would be willing to work with me because I didn't have the funds for the payment. I was told that they would not work with me until I had at least a few late payments. So I took the advice of the creditor themselves to stop paying for a few months so that I could get hardship assistance. After two missed payments, they transferred the debt to a third-party debt collector ( Concord Servicing I believe- I have never received a single notice of this transfer, so I am going by what they told me ) who has resumed the harassing phone calls. They have had my debt since XX/XX/year> and have made 30 phone calls in just 25 days, one of them being to my work ( which is incredibly embarrassing ). I finally answered them today ( XX/XX/XXXX ) and told them that they have been harassing me and that it needs to stop. They told me they can call as much as they want because I owe money and that if I get up to date on my payments, they will stop calling. I told them truthfully that I am a single parent, working multiple jobs and still unable to dig out from being abused ( financially and otherwise ) my whole adult life, and that I am on the brink of filing bankruptcy because I simply do not have the funds for even one payment and again that they need to stop harassing me. He told me that I am wrong and they are not harassing me because they are third-party collector. I told him once again I do not have the funds for a payment and he told me that I need to ask family and friends, then. I told him again that I was in a longXXXX XXXX XXXX and was isolated during that time and that I have nobody to ask ( not that I would even if I did ). I also told him that I was forced to take out this loan to begin with against my will, at the threat of XXXX by my ex. He didn't care. He once again told me to make my payments. I told him that I had tried to get them to work with me before I even missed my first payment and they wouldn't, and he informed me that they would send me the requirements for a hardship request now but that I need to make my monthly payments in the meantime. He further told me that they won't review a hardship request without full bank statements. They seem very untrustworthy, and I am absolutely not comfortable sending them full bank statements with all of my other debt payments and other personal information included. I told him I would not be providing my bank statements and if they won't work with me, then I will simply have no choice but to fight the debt or file bankruptcy ( which I am on the verge of anyway ). He hung up on me.
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Collector, Im shocked at the proof that you sent me based on my validation request. The law allows me to request validation for above account. I dont know your company, as you may be a scam artist trying to get money from people. I sent a letter to you 30 days ago asking for the following items. 
( XXXX ). Contract with my name on it. 
( XXXX ). Full accounting of this account. 
( XXXX ). Proof that you have the right to collect money from me. 
( XXXX ). Proof that you have the right to collect in my state. 
And more. 
Where is this proof? How does what you sent me prove that this account belongs to me? It does not. Your company has failed on multiple levels. Let me tell you how. 
( XXXX ). You reported a debt to the credit bureaus causing my score to go down without validating. 
Violation ( XXXX ). You failed to provide sufficient proof, yet still continuecollection activity by validating the debt above. 
Violation Would you like me to continue? DELETE THIS ACCOUNT ASAP or face complaints to the FTC, XXXX  Consumer Financial Protection Bureau, and the Attorney Generals Office. I will also be reviewing my state law to see if a bond is required and if your company is registered to collect in my state. Dont escalate this matter further over this little debt.
Consumer complaint received 2023-09-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Capital One Auto Finance calls me at work and on my cell phone numerous times a month. I pay my loan EVERY month although not on the day it is due. I have asked for 4 years since the start of this loan to change the due date. I currently pay XXXX for rent and I am ONE person who makes less than XXXX a year. My loan is due on the XXXX and I can not manage to pay it on time. I do however pay my loan every month. 

I never gave them my work number I don't know how they got it but they WILL NOT STOP calling me at work. They call all month long. Send repeated emails about how my loan is past due when I have already paid it. This has gone on for 4 years. 

I don't have much longer to go. I want these calls to STOP IMMEDIATELY. It is embarassing and humiliating when their name shows up on the work caller ID. 

Please make them STOP calling me. I WILL PAY MY LOAN ......