davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Subject : Formal Complaint Against Credit Acceptance Corporation and XXXX XXXX for Unfair Lending Practices and Predatory Sales Tactics Dear CFPB Representative, I am filing a formal complaint against Credit Acceptance Corporation and XXXX XXXX in XXXX, Alabama, regarding the unfair and predatory lending practices that I was subjected to during the purchase of a 2022 Used XXXX XXXX on XX/XX/year>. My experience, as detailed below, highlights serious concerns about the business practices employed by these entities, which I believe are in direct violation of consumer protection laws. 

XXXX. Unfair Lending Practices and Hidden Costs : During the sales process, XXXX XXXX, in collaboration with Credit Acceptance Corporation, pushed me into a high-cost loan with an Annual Percentage Rate ( APR ) XXXX  % that far exceeds state usury caps. I was not adequately informed of the true cost of the loan, including hidden interest rates and surreptitiously added products. The contract included add-on products and services, such as a service contract with XXXX XXXX XXXX XXXX XXXX which I did not request, authorize, or fully understand at the time of signing. 

XXXX. Manipulation of Loan Terms Through Complicated Algorithms : It has come to my attention that Credit Acceptance employs sophisticated algorithms to determine how much it can collect from borrowers like me, leading to the offering of loans that are structured to yield high profits for the company, regardless of the borrower 's ability to repay. This approach results in predatory loans that trap buyers in unfavorable financial situations. I believe this was the case with my loan, as the terms and interest rates were significantly worse than what was verbally assured during the sales negotiation. 

XXXX. Predatory Sales Tactics : The sales representatives at XXXX XXXX engaged in deceptive practices by pushing me into a loan that I could not reasonably afford, given my financial situation at the time. I was promised favorable loan terms that were not honored in the final contract. Additionally, I was not given a full and transparent explanation of the loan terms, which led to confusion and a lack of informed consent on my part. 
XXXX. Violation of Consumer Protection Laws : The practices described above constitute violations of federal and state consumer protection laws. I believe that Credit Acceptance Corporation and XXXX XXXX have knowingly engaged in unfair, deceptive, and abusive practices to trap consumers like me into high-cost loans with hidden fees and unfavorable terms. 
Resolution Sought : I request that the CFPB conduct a thorough investigation into the practices of Credit Acceptance Corporation and XXXX XXXX. I also seek the following remedies :.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

We have been working with Bank of America to resolve some statement issues and in that process have discovered that our data is missing in other areas as well. We have provided call logs showing we made calls but BOA has indicated they have no record. We have provided copies of letters received from BOA but BOA is indicating they can not find these communications on their side.
Consumer complaint received 2024-06-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Please remove all iquries from my creidit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-04
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. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED.XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-29
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)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2019-10-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (TN)

Repeatedly calling after requesting they do not call. I did not give this company my phone number and they said they received it from elsewhere. When I asked again they do not call me, they continued to try to confirm personal information and argued with me
Consumer complaint received 2018-09-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meridian Financial Services, Inc. (CA)

On XX/XX/18 I submitted a complaint on my collection case to XXXX XXXX XXXX   via CFPB. 
Please refer to the complaint case # XXXX-XXXX for original complaint, now closed with my feedback with CFPB. 
I was advised by CFPB to open a new case to proceed and to reach with an explanation from XXXX XXXX XXXX as the above case is closed. 

Dates : XX/XX/18 Submitted original complaint. 
XX/XX/18 Company responded with their findings. 
XX/XX/18 Sent certified mail reply to company with my findings and explanations. 
XX/XX/18 Company sent my case to Collection Bureaus without a reply back to my mail submitted on XX/XX/18
Consumer complaint received 2024-09-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Larry H. Miller Group of Companies (AZ)

It is to the best of my knowledge that the Retail Installment Contract between PRESTIGE FINANCIAL SERVICES ( PFS ) and myself is null and void. PFS as well as XXXX XXXX XXXX XXXX XXXX XXXXXXXX is committing fraud. It is usury for the are illegally collecting a profit in an extended an improper sense for its own use. Failure to disclose my Right of Rescission and failure to disclose other important rights concerning the consumer credit transaction, not being, nor acting in good faith with the attempt to defraud me within the process. Tender of payment has been made to settle the debt and releasing the credits associate with the contract/consumer credit transaction, they refused to accept it and did not send the securities back. They are committing Securities Fraud, Usury, Mail Fraud, and Identity Thief, attempting to be me in the process acting as the Beneficial Owner and beneficiary over the contract. Holding a Fraudulent Lien against the property without being the true owner. Only the living can own property! It is a False Entry and False Registry! In order for this contract to be bonding or lawfully valid there must be at least : wet ink by both parties and true validation of a debt. Evidences they can not be provide, making this contract null and void and the debt, no longer my obligation.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AL)

Under the FCRA Law All information reported inaccurate does not suppose to be on a consumer report. I have disputed the Bankruptcies off of my report continuously to get it removed and reinserted with Equifax. They stated that ( Furnisher ) XXXX is reporting. Reinsertion In Your Credit File Of Previously Deleted Information. 

Reinsertion under the Fair Credit Reporting Act ( FCRA ) means that a credit bureau has started to again report inaccurate information that was previously disputed by a consumer and removed or suppressed by a credit bureau XXXX, Equifax, and XXXX, and others from the consumers credit file. Reinsertion often happens when a disputed/deleted account trade line is sold by the original creditor to a debt collector. Though less common than when a deleted debt is reported to a credit bureau by a collection agency, unlawful reinsertion also happens when the original creditor falsely certifies the accuracy of a bogus debt. 





The furnisher of the information certifies that the disputed information is accurate ; and The credit bureau notifies you in writing within five business days of the fact that it has reinserted the previously disputed information. Equifax did not notify me of such.. In that written notice, the CRA must also provide you with contact information for the furnisher that certified the accuracy of the disputed information. 
Reinsertion can be a serious violation of the Fair Credit Reporting Act. If you suspect that one or more credit bureaus unlawfully reinserted information into your credit file ( if previously disputed and deleted information has reappeared on your credit report ( XXXX ) ), you have the right under the FCRA to again dispute the inaccurate information. multiple times of the inaccuracies and they deleted it in XXXX and reinserted this year ( XXXX ). Stating that it was never deleted. It was and I have uploaded documents to represent my statement. The Credit Bureaus has been refusing to follow the FCRA Law pertaining to consumers report especially Equifax. they make Billions of dollars in revenue to ignore our complaints and to keep inaccurate information on consumers report. This is against the Law. 

The inaccurate reporting constitutes a violation of the FCRA, particularly : 1. 15 USC 1681e : Accuracy of Information : The FCRA mandates that consumer reporting agencies ensure maximum possible accuracy of the information contained in consumers credit reports. The inaccuracies present in my report directly contravene this agreement. 2.15 USC 1681i : Duties of Furnishers of Information to Consumer Reporting Agencies : This section holds furnishers of information responsible for providing accurate data to consumer reporting agencies. any failure on their part to do so is a direct violation of FCRA.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I have tried to create an account with Equifax to initiate a credit freeze. The credit freeze was successful but I am denied access to an account because my information can not be verified. I am not sure what information can't be verified and they have not told me. Now I have a frozen credit report that I can not manage and no way to access it. Their phone line is unhelpful with no customer representatives picking up.
Consumer complaint received 2024-07-31
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: CREDIT ACCEPTANCE CORPORATION (TX)

Reporting how abusive Credit acceptance is when I get calls every day, and I have told them stop calling if I'm not going to be help. My truck was stolen and they got notified and they keep charging me for the truck. I was offered to settle the XXXX that got stolen for {$3000.00} dollars but they won't remove me from the credit reports. Also I haven threaten if I don't pay they are going to take me to court and I get different people calling me and very rude. I have try to work with credit acceptance. I ask to take me of the credit reports and they don't want to. It's hard to work with them. It's stressful to see they won't help and credit beurous won't remove it. Credit acceptance reports me every month as a late payment to the beurous and they were notified by phone and police report was sent by mail to them and I ask them to use the gap insurance and they told me they were going to let me know and they XXXX did so I called back and my gap insurance was expired and I was never notified by mail or phone. I feel Credit acceptance did this on purpose and I think they repo my truck again and they want me to pay the remaining balance of around {$15.00}, XXXX because it's funny I send them the police report y mail like I was instructed by credit acceptance and they never told me if the received it. And later my gap insurance was expired. And now they offer me a less amount. I ask them to please take me of the credit beurous and nothing and it'd hurting my credit scores. I have send my information to XXXX XXXX, XXXX to please remove this late payments reports and I send them the same information as credit acceptance and they have done nothing. This is hurting me to get a house a roof for my family.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX  XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$780.00}
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX is falsely reporting an erroneous account on my consumer report. I disputed with them and they responded saying the item was 'verified ' by XXXX XXXX I have attached below a letter i received from XXXX stating that the inaccurate information has been 'located and removed ' from their system.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ability Recovery Services, LLC (MD)

I am writing to file a formal complaint against XXXX XXXX XXXX and Ability Recovery Services , LLC regarding a debt they claim I owe under the account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I dispute the validity of this debt and would like to explain why I am not liable for it. 

I do not have a contract or any other agreement with either XXXX XXXX XXXX or Ability Recovery Services , LLC that would make me responsible for this debt. Despite my repeated requests, Ability Recovery Services , LLC has failed to provide me with the original contract or any documentation that proves I am liable for this debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I requested that Ability Recovery Services , LLC provide the original contract or any documentation verifying this debt. They have not complied with this request. This failure to provide the necessary documentation further indicates that this debt is not valid. 

Given these points, I am requesting that the XXXX take immediate action to investigate this matter and assist in the removal of this account from my records. The actions of XXXX XXXX XXXX and Ability Recovery Services , LLC are causing undue stress and could potentially harm my credit report. 

I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Dear, Credit Reporting Agency I am writing in regards to my account with your institution. On a previous occasion, I requested proof of 24 late payments that were reported to consumer reporting agencies, despite my assertion that I was never late on payments for this account. This request was made in accordance with my rights under the Fair Credit Reporting Act.

In response to this request, I received a response via the Consumer Financial Protection Bureau ( CFPB ) that did not provide the requested documentation to support the reported late payments. As such, I am demanding the immediate removal of all associated late payments from my account.

As I have previously stated, I have never been late on payments for this account, and I believe that these late payments have been reported in error. I trust that you will conduct a thorough investigation and promptly correct any inaccuracies in my credit report.

I would also like to request that you provide me with documentation showing the removal of the associated late payments from my credit report in accordance with 15 U.S. Code 1681i ( d ). It is my understanding that any person who has received a consumer report containing the deleted or disputed information within two years for employment purposes, or within six months for any other purpose, should be notified of the deletion.

Thank you for your prompt attention to this matter. I look forward to a prompt resolution.
Consumer complaint received 2017-06-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. ()

I have moved out of the USA and have had a very difficult time managing my student loans. To make payments from overseas international accounts are not accepted. I have since opened an account in the USA. Due to family circumstances I have had to altar my repayment and even defer payment for a time. I borrowed {$28000.00} and despite making payments since 2008 I now owe {$36000.00} because the interest rates are astronomical. My mother is the cosigner and my father is XXXX, so she is unable to assist in repayment. I am worried about getting her into financial trouble, but am doing my best to fulfill my obligation, but I do n't see an end in sight. My only option at the moment is to extend my repayment period to lower my monthly payments and still that is not manageable. I 'm at my wits end trying to figure this out and to be honest quite XXXX and XXXX. If I had known or been better educated at the time of borrowing, I would have NEVER taken out a signature student loan. It was marketed as a friendly option to students and has been anything but and the biggest regret I have. I would have preferred to not have my XXXX XXXX degree then be stuck in this horrible contract.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

I received a credit alert for inquiry for JPMBC Credit, which is Chase on XXXX. Today in the mail, I received a denial letter for a Chase Freedom Flex World Elite account. The account wasn't opened, but I did not request nor have knowledge for this request. ' I called XXXX to determine if any other inquiries were made to my profile, but it was only Chase. I then called Chase to determine if they could share any additional information and they were unable to do so. Since it only happened at Chase and I have already 3 credit cards with Chase, could this have been done internally?
Consumer complaint received 2024-09-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

Thank you to whomever reads this, I paid {$83.00} USD to a " company '', that soon, to be revealed fraud. I never received my goods, I thought was going to and was expecting it but didn't. So naturally as anyone would, I disputed it on PayPal. Seeing as I had gotten no response from the seller and have not received my goods. What PayPal said? They said that my case is illegible for their review. Because Ive filed too many disputes apparently, which only were from the same person that scammed me. They sided with the scammer, and the scammer kept their stolen money. I dont see how this classifies as okay without any further inspection. I have filed a case with the XXXX and will close it once I receive my money back. I might do higher legality measures and taking it to court if needed. Thank you. If you care about your long term customers you wouldnt let such a mistake slip by. The transaction ID is XXXX. My PayPal email is XXXX XXXX
Consumer complaint received 2024-08-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NH)

On XX/XX/XXXX I lodged a complaint with cfpb about my forced art institute loans through navient. In response navient sent me the misconduct application form as I qualified for it. I submitted it with evidence including my letter as a class member of the XXXX XXXX XXXX lawsuit, lawsuits against the schools both federal and state as well as proof of false graduation rates and employment snd salaries. On the evening of XX/XX/XXXX I recieved emails from navient confirming my application was approve for private loan dismissal. Since I graduated in 2007 I had been forced to make payments on these loans. Even though my evidence proved I was forced to take these loans out and they were forgiven I was denied restitution. This is unacceptable. Navient has put aside millions of dollars to settle private loan forgiveness. There is zero reason for them to deny restitution on school misconduct findings that they themselves approved. I am attaching my misconduct decision on the loans and payment history on the forgiven loans showing all the payments I have made since graduating in 2007. Again I was forced to make payments on these loans for years. These loans were proven to be unethical and fraudulent. My payments should be returned in full. Navient has made reimbursements to the first few applicants of the misconduct form and it is known that they set aside {$35.00} XXXX for cases like mine. I am fully entitled to a reimbursement as I have been approved through their misconduct form. I am also attaching the latest letter senator XXXX XXXX sent to navient on the issues with the misconduct application and refunds.