davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (MI)

On XX/XX/XXXX I signed a contract without all documents disclosed. It was discovered on XX/XX/XXXX there was errors made in the signed contract and a clause which states that I should have been given notice of my right to rescind which I was not given at any point. ( a ) Disclosure of obligors right to rescind 15 U.S. code 1635 states : Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until XXXX  of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. Also in truth in lending act of 1962 which state : No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

This contract/ promissory note/agreement is based on deceptive fraudulent practices which there is NO statute of limitations and therefore voids all obligations. Im exercising my rights under 15 U.S. code 1635 ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc. (NV)

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 

SEC XXXX XXXX, XXXX XXXX ___ ( XXXX  ) XXXX under a Federal Lawsuit reporting negative information affecting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Information about Your Credit Score In addition to your credit report information, we also obtained your credit score from the consumer reporting agency listed below and used it in making our credit decision. Your credit score is a number that reflects the information in your consumer report. Your credit score can change, depending on how the information in your consumer report changes.

Your credit score : XXXX Date : XX/XX/year> Scores range from a low of XXXX to a high of XXXX Key factors that adversely affected your credit score : Derogatory public record or collection filed, Time since delinquency is too recent or unknown, Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high, Proportion of loan balances to loan amounts is too high
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - XXXX
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I recently noticed this XXXX XXXX account on my credit report that was opened in XX/XX/year>. This account does not belong to me and I have submitted my Identity Theft Report to all 3 credit buearus. This account shows two different balances of {$5300.00} and {$4300.00}. Which niether belongs to me. I have never had a Capital One in my name. So I'm obviously a victim of identity theft.
Consumer complaint received 2024-07-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (FL)

As a florida resident, I was frivolously excluded from the class action lawsuit providing relief, restitution and/or waivers to XXXX XXXX XXXX over a violation in consumer protection laws with regards to excessive fees, charges, and costs not made transparent to the borrower. I have now paid this loan 3 times over and the company has refused resolve. My next course of action will be civil litigation, in which I will not only request a waiver of the balance, but compensatory damages as a XXXX XXXX XXXXXXXX vet stressed from their unlawful practices.
Consumer complaint received 2016-11-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC (MD)

XXXX university is sticking me with a tuition bill for classes the university administratively withdrew me from. This is a scam and a way to get money. 
I began a XXXX with XXXX Uni on XXXX XXXX, 2015. I was shocked to receive an email from the Financial Aid office stating that they will be sending some of my aid back to the US Dept of Ed because I had not been participating in class enough. I was then informed that the university was Administratively withdrawing me from the class. I immediately balked at this assertion. I also asked how the university even knew about my online activity for my class and asked if " big brother '' was watching my clicks and logins. I also argued that the university had no right to take my financial aid and then withdraw me from class. Once the financial aid was sent back to US ED, XXXX stuck me with the bill for the class they had already withdrawn me from. It was the university ( Not me ) who initiated and completed the administrative withdrawal. It clear that they XXXX is using shady practices to commit fraud and get money out of unsuspecting Americans. They know that once they send financial aid back to the US ED, a tuition bill will result. Additionally, how can I be expecte to complete a course that I am withdrawn from? I asked if they were concerned about my clicked and logins to the online class, why didnt someone contact me to see what they issue was BEFORE initiating any adverse action. The university has all of my contact info, name, SSN, address, email, etc and could have easily contacted me about any attendance concerns. Instead, they hastily withdrew me from class without any regard to me as a student. I asked why wasnt I contacted and was told by a staffer that " no one has to contact you, it 's not a requirement. '' I was dumbfounded by that statement. It is clear that this " university '' has very shady business practices and is only concerned with getting money from students ; not in actually ensuring that students get a good college education or even graduate. They are, after all, a " For profit university '' ( emphasis added )! The university has not acted in good faith throughout this ordeal. How could I complete the coursework if I did not have access to the classwork and class assignments after the withdrawal? I still have yet to get a response to that question. 

I did a little research on line and found that several other thousands of people have experienced the same thing from XXXX University. So apparently, this is a business practice. This is away they get money ... off the backs of unsuspecting students who are blindsided by being withdrawn. Well, this student is taking a stand and will not allow this faux " university '' to continue to prey on people 's real goals and ambitions to get an education, only to be railroaded by this company. My outstanding tuition bill is bogus and I do not owe it.
Consumer complaint received 2023-04-18
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. (TX)

I checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$30000.00}. Also, I want to dispute this XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached.
Consumer complaint received 2024-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Paypal XXXX XXXX : XXXX XXXX XXXX a XXXX telling me that my paypal account was charged {$600.00}. 

I noticed the name of the merchant showing on my Paypal transaction, and confirmed that my account with the merchant was hacked and they used my paypal to fraudulently charge me. 

However, Paypal refused to cancel the transaction, and misguided me to open the case ( dispute ) under wrong category as " Item not received '' So I had to open this case again, and provide the screenshot from the merchant 's dashboard, showing my account sending money to someone that I have NEVER sent money to before out of nowhere. 

It is extremely disappointing that the paypal is not protecting consumers and misguiding consumers to open a case in wrong category. 

Also, it is also a fact that I have NOT received anything. But Paypal is not helping me in that case either. There is no protection for me at all now.
Consumer complaint received 2023-08-03
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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-06-03
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.

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 2024-07-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (CA)

1 ) My claim is against Wells Fargo ( WF ) for improperly labeling XXXX authorized payments as " Stopped Payments '' filed as ( XXXX - federal bank code ) for " customer initiating stop-payments ''. 

2 ) Upon request WF claimed they could not identify eight of the nine stop payments my lender accused me of ordering. One of the nine alledged orders they did identify and would not provide evidence of my initiating the one stop payment of nine. I sent the misnamed itemized ledger ( attached ) to WF 's Enterprise Fraud Division. The evidence of errors ( attached ) are merchant processor statements provided by my lender. I was dismissed in a written notification and the case was closed indefinitely. 

XXXX ) WF claims that the lender could not access my account to debit my payments for XXXX months from XX/XX/year> to XX/XX/year>, leading up to the lawsuit filed by the lender in XX/XX/year>. However, XXXX misnamed transactions are reported by WF on the merchant processor statement within the respective nine months. 

XXXX ) WF 's dismissal and denial of the misnamed transactions ever occurring, paired with merchant processor statements leveraged to file suit against me is contradictory to the bank stating the stop payments do not exist. 

5 ) WF 's misnamed transactions and denial of their ever being ordered perpetuated the lender to wrongfully accusing me of lying. 

XXXX ) The lender claims WF 's " XXXX '' bank code issued to their merchant proccesor was sufficient evidence I intentionally mitigated remittance with nine orders to stop payment. The lenders accusatory false claim led to default, breach of contract, and subsequently they filed suit naming me personally and my company.

7 ) Wells Fargo claims I ordered one-stop payment and denies eight of nine XXXX exist. The lender states the evidence of all XXXX XXXX 's sent directly from XXXX to their merchant processor legitimized deceptive intent to evade payments. 

8 ) WF essentially eviscerated eight of nine XXXX published by the merchant processor. The Lender claims they publish what WF disseminates as official bank transactions. 

XXXX ) Derogatory court records and a Notice of Summons filed have destroyed my credit scores and 100 % blocked access to capital, leaving my business in XXXX. XXXX stop payment orders falsly documented on a merchant processor statement and a lawsuit causing irreparable harm with millions of dollars in losses is evidently insufficient evidence for WF to admit they failed to protect their customer.. 

Lender is XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc. (FL)

IC SYSTEMS began to contact me about an XXXX account in XXXX. At that time I informed them that I did not have an XXXX account and I do not have a signed contract from IC systems. I have requested statements and documents to validate the account and I have not received anything. IC systems placed this collection account on my credit report in XXXX after I informed them that this account didnt belong to me.The account is not mine and I am requesting that it be removed from all credit bureau reports immediately.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-04
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc. (CA)

On XX/XX/XXXX, I had no choice except to follow my lawyer 's advice for filling XXXX XXXX Bankruptcy to stop foreclosure initiated by XXXX XXXX, counsel for Real Time Resolutions , Inc . I had only a few hours to comply with the requirements for filing XXXX XXXX bankruptcy in an expedited electronic filing with the United States Court. XXXX XXXX tricked me in early XXXX of XXXX into postponing the hearing, scheduled at the County Courthouse for a temporary injunction by the court to stop collection activities and take the case to jury trial. 

To become a lawyer, one has to go through an extensive law school, learning all sorts of subject studies, including ethics and upholding justice for all. In fact, that is not the case for this lawyer. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) and his associates, XXXX XXXX XXXX ( Real Time Resolutions ) and XXXX XXXX ( Director of Loss Mitigation at Real Time Resolutions ), XXXX XXXX ( XXXX XXXX Firm Trustee ), are crooked, dishonest, greedy. They conspired to commit approximately multiple felony counts of California Penal Code 115 by viciously and intentionally inflicting harm to my family and me to take away everything that I had worked hard for the past XXXX years. It was like pointing a XXXX XXXX XXXX XXXX  in a XXXX XXXX compared to the foreclosure proceedings scheduled for XX/XX/XXXX. 

On XX/XX/XXXX, when the fraud was discovered with the help of a judge in XXXX XXXX XXXX XXXX XXXX for checking at the Recorder Office, I immediately filed a complaint with the District Attorney 's Office. I swore to the investigator, XXXX XXXX XXXX, " I bet my life that I am a victim of fraud. '' He looked at my eyes and told me he was a criminal investigator, but he had no experience in real estate crimes. 

Anyway, I intend to fight this case until justice prevails. XXXX XXXX XXXX and his associates risk felony charges, banning from practicing laws, and a hefty jail time and fine if all of you are still pretending to act viciously to massive fraud due to greed and dishonesty. 

Sent from my XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am unable to see any active disputes on my account. The active dispute page just loads, and it never populates any results. I have tried multiple troubleshooting methods, and I am still getting the same result. The issue is on TransUnion 's end.
Consumer complaint received 2024-07-31
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. (FL)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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