davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC (DE)

On XX/XX/XXXX, I called American Credit Acceptance to find out how much I've already paid on my loan & the amount I still have to payoff. I was told by a customer service rep. that I've paid {$13000.00} on my loan & have {$14000.00} left to payoff. XXXX of XXXX I purchased a XXXX XXXX XXXX with XXXX miles & a price tag with of {$15000.00} ; added extended service contract that brought a total balance due at settlement to {$19000.00}. While on the phone with ACA, I had my vehicle bill of sale in front of me as I heard these numbers that weren't making sense. I explained what i had in front of me; referring to my bill of sale numbers. I was told that {$10000.00} plus, went to the principal of the loan which I didn't understand. On the verge of a meltdown I asked for a copy of the purchase of sale from them ( American Credit Acceptance ) & got off the phone to call XXXX for a copy of their bill of sale as well. Once I saw my paperwork not mirroring XXXX & ACA I knew I had to get someone else involved. I've already contacted my local district attorney and notified them on the issue at had about a month ago ; still waiting on a response. Now following up with submitting my complaint here as well. The car is currently giving me as many issues as the loan company. It has XXXX miles on it with plenty of maintenance that's keeping me real busy paying my mechanic every other week and its valued between {$2800.00} - {$4500.00}.
Consumer complaint received 2024-08-13
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prince Parker & Associates (MA)

The account that they are calling about was not mine and was not opened by me personally. I told XXXX XXXX XXXX that this account was open fraudulently and that Ive been working with the the credit bureau to regain my identity back. XXXX XXXX XXXX said they would remove the account falsely opened under my name, then this company told me I had a debt and has yet to send over any information besides multiple emails when XXXX XXXX XXXX already cleared this account for their databases.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to express my serious concerns about the inadequate and inconsistent responses from XXXX, a credit card company, and Experian, a credit reporting company, in addressing fraudulent charges on my account. 

XXXX, the credit card company, not only failed to conduct a proper investigation, but their customer service representatives exhibited a concerning lack of empathy. Their dismissive responses, including phrases such as " do what you feel is right for you, '' left me bewildered and frustrated, especially when attempting to report unauthorized transactions. 

Adding to these troubles, XXXX continued to issue new cards without my explicit consent, despite a fraud alert in place. Despite my efforts to assist their investigation by providing a police report, including the case number, they only called the police twice, received no answer, and subsequently closed the case. 

Furthermore, when I reported identity theft to XXXX, they neglected to take appropriate measures to safeguard my personal information. Despite sharing critical details such as my social security number, birth certificate, and other sensitive data that had been compromised, they failed to enact protective measures. 

Compounding these issues, I explicitly requested that XXXX refrain from mailing sensitive information, citing security concerns. However, my request was disregarded, and documents continued to be sent without considering the potential risks. 

Additionally, I was erroneously informed not to make credit card payments during the investigation, with the assurance that all charges would be rectified. Regrettably, this commitment was never fulfilled, and my credit remains impacted. 

The communication has been an unproductive loop, with XXXX consistently asserting, " we're right, you're wrong. '' This dismissive attitude and lack of cooperation have heightened the stress and uncertainty surrounding the fraudulent activity on my account. 

I urgently implore the CFPB to thoroughly investigate both XXXX and Experian 's handling of this matter and ensure corrective action is taken to rectify their negligent behavior and inconsistent customer service practices. Your intervention is crucial to bringing resolution to this distressing situation. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My recent credit report is showing unverified unauthorized collections that I never had a chance to dispute. The collections are from XXXX XXXX XXXX, and XXXX XXXX XXXX. By law, I am old proper credit reporting according to the FCRA. I am requesting debt validation for these collections because I never receive written communication. 
And this debt validation I am asking for a detailed list of my history of payments on these accounts, The original contract with my signature agreeing to pay these creditors, Proof that you have a chain of Title to collect in this debt, also asking to see if there had been a Insurance Claim file on these account. Without providing proof, these accounts should be removed from XXXX, XXXX, and TransUnion immediately.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a Data Breach/ Identity Theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXXXXXX - Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXX XXXXXXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information.
Consumer complaint received 2024-05-14
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)

I am currently experiencing significant challenges with TransUnions handling of my credit report, characterized by multiple inaccuracies and non-compliance with the Fair Credit Reporting Act ( FCRA ). Despite my efforts to resolve these issues directly with TransUnion, the inaccuracies persist, impacting my financial standing. 

1. Incorrect Personal Information : Employment should be confirmed as XXXX XXXX. 
Address should be updated to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Phone number should be updated to ( XXXX XXXX XXXX 

2. Misreported Accounts XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX are incorrectly listed and need removal. 
XXXX XXXX XXXX XXXX is incorrectly marked as in collection ; it is paid and should be reported as open. 
XXXX XXXX XXXX XXXX XXXX XXXX wrongly reported as closed with late payments ; it should be reported as open and current. 

3. Unauthorized Inquiries : Inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were not authorized by me and should be removed.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX  account number : XXXX
Consumer complaint received 2024-05-14
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. (NJ)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm reaching out today because upon reviewing my most recent credit report, I'm deeply troubled by the inaccuracies present. It's concerning that these items are being reported incorrectly, and I'm seeking your assistance in resolving these issues. 

As per the Fair Credit Reporting Act ( FCRA ), it's mandated that credit bureaus report information that is entirely accurate, verifiable, and timely. I understand that you have a 30-day window to conduct investigations as required by law. Failure to adhere to these federal regulations could result in an investigation by the Federal Trade Commission. 

I insist on a comprehensive investigation into each error listed, with a detailed report provided to me upon its completion. 

Regarding the inquiries listed below, please address them as well : XXXX Inquiry Date XX/XX/year> and XXXX XXXX  XXXX XXXX XXXX XX/XX/year>.
Consumer complaint received 2024-08-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc. (TX)

I don't have dates, but I spoke to XXXX about my loan and they said it was transferee to SST. I have being paying on this loan but interest continue to come out. I asked about this and it said this is the way the loan is set up. I have two other loans like this predator loans. XXXX XXXX and XXXX XXXX.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-06-12
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. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-06-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CREDIT ACCEPTANCE CORPORATION (LA)

The repossession took place in XXXX. I had a XXXX XXXX XXXX. I purchased the vehicle in XXXX. The car ran, but had several issues whereas I had to take back and forth for major repairs to the dealership until XXXX. I reported these issues to Credit Acceptance. It would backfire, the odometer would reset on its own, I XXXX XXXX XXXXXXXX it uphill hardly, and the alarm would go off while actively driving. It wouldn't start up efficiently in cold weather after all necessary precautions were taken. Toward the end of my ownership of the vehicle, the car would not maintain an oil change. The mechanic couldn't fill the XXXX XXXX due to XXXX XXXX from the entry point. He stated that it was too much pressure built up. 
Upon research, a lot of these problems were affiliated with cars of the same make and model and other models, but of a different year. My car year wasn't included in any recall notices, I thought. 
The constant repairs from tune-ups and other maintenance decreased my ability to pay. I began to become delinquent on my bills and it created a downward spiral on other bills and decisions, as well as I needed a car to go to work and take my daughter to school among other things. I made payment arrangements for the vehicle to catch up on the bill. 
The automobile lender, Credit Acceptance sent a XXXX XXXXXXXX to my place of employment to repossess my car. The recovery person hitched my vehicle and I complained and told him to stop. I explained that I had a payment arrangement that would cease the repossession. I called the company and confirmed. The recovery person told me to tell the agent, that he already had it hitched. When I advised this information, the agent stated that it wasn't anything that could be done. After repossession, I didn't receive any notices certified or regular mail stating any information regarding the car. The only information I received was approximately XXXX regarding the total amount that I owed. I tried to contact them via letter and ask for a settlement previously, however, correspondence was ignored. The vehicle was assigned a creditor, XXXX and XXXX in the amount of {$7300.00}. In late XXXX, I relocated to XXXX and I didn't hear any more information regarding the determination. I later found out that they issued a XXXX XXXX against me. I received a letter of garnishment in XXXX at my former place of employment and Credit Acceptance escalated the amount to over {$20000.00}. The car wasn't worth {$1000.00}. They refused to hear my argument regarding the breach of contract from the beginning of the sale regarding the XXXX, the recall, and the XXXX issues. I believe that I still have a lien on my name for this fraudulent car.
Consumer complaint received 2024-01-31
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. (GA)

Per the 1974 Privacy Act I have opted out of reporting any non public information and any and all of my non-public information that was sold to any non-affiliated company requires recourse.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

I have been disputing inquiries and other accounts showing up on my credit report. Nothing has went away. Also all my credit reports say something different and they all should be correct and show the same.

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.

Section 605B of the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from identity theft. This must be done within four business days, and the furnisher ( s ) of the information must be promptly notified.

To block information under Section 605B, a consumer may need to provide the following : Proof of identity A copy of an identity theft report Identification of the information A statement that the information is not related to a transaction by the consumer
Consumer complaint received 2023-05-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ROBINHOOD MARKETS INC. (CA)

My brokerage account was down - {$10000.00} at market close. At that time I was issued a Brokerage Account Deficit for {$400.00}. In after hours the drawdown was reduced to - {$6300.00}. The account deficit was not recalculated. At XXXX I was issued a margin call by email for {$400.00}. ( Note, that there is no deficit at this time, as it was completely covered by the after hours change. ) At midnight my account inexplicably went + {$4200.00}. The application then showed both a brokerage account deficit and a margin call, for different and inverted amounts ( The email and the app have the margin call for different values ), despite the fact that there is no deficit at all. 
This is just one example of the nonsensical information that robinhood has been displaying to me for months. I have been complaining constantly, and they refuse to even comprehend my complaints, and they lie about the nature of my inquiries to the regulators that I complain to. They then force sell my securities based on fraudulent margin calls. I will likely have trading restrictions tomorrow and they may sell something and claim that I left a margin call open so they can. There is no deficit, and by robinhood 's own rules I can not have both an account deficit and a margin call, because account deficits are converted to margin calls.