davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Vehicle loan or lease — Loan
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 (VA)

The owner including myself called Credit Acceptance for a voluntary repossession after the owner was in a car accident. Credit Acceptance was supposedly picked up the car from the tow lot after a scheduled appointment was made. They never did and the car became missing from the tow lot. An investigation was launched for several months but the car was still not found. They created so many excuses about why they couldnt find it and even documented statements on record that wasnt true about me denying a repossession because I had the car in my possession. I was even harassed into trying to give up family members contact information for payments. Ive set up several payment arrangements because they said if 3 consecutive payments were made, they would stop reporting late payments to the credit bureaus. When the third payment would approach, they would call the owner to have him set a payment arrangement to knock mine off which restarted a new payment arrangement. Ive finally set a final payment arrangement but they are still reporting late payments to the credit bureaus. When I asked about my credit report, they said that they still have to report as late because the full monthly amount wasnt being paid. Ive been working with a credit specialist and was told that they are illegally reporting to the credit bureaus and that the car is supposedly be a charge-off due to them losing the car because they never picked it up from the tow lot when they were scheduled to do so. Credit Acceptance will not settle for a set payment or charge-off the account because they still want the XXXX XXXX monthly payment every month until the car is fully paid off.
Consumer complaint received 2024-09-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NC)

My son passed away in XXXX and he had funds in Chime. Before XX/XX/XXXX, I contacted Chime 3 times and they told me each time they would send the information to the correct department and they would contact me. They never did. My husband contacted them on XX/XX/XXXX and they did send him an email requesting a picture of his ID and my sons death certificate. I sent that information as requested on XX/XX/XXXX. They sent an automatic email saying they would be in touch within 4 hours or longer if it was outside business hours. They never contacted us. He received emails saying that since he never responded to their requests, they were closing the request. We had not received anything else. Again I called and again had to go through everything with a customer service rep as though nothing was in the account records. Again they said someone would contact us. They told us that a different department handles this type of issue and they had no way to contact them other than email. We never heard from anyone again. On XX/XX/XXXX, I called again I explained I was trying to close my deceased sons account and nothing was being done. The man I spoke to said the account was indeed closed on XX/XX/XXXX and they had the necessary papers. He said he was not able to cut a check but filled out a form and would submit it to get this matter closed. He told me the total check would be for {$390.00}. I was to receive an email but I never did. I called again on XX/XX/XXXX. Again I had to start over snd explain everything. I was told that they would have to send an email to another department because they did not handle this matter. I got really frustrated and angry. The way they were treating me, you would have thought there were millions in this account. No one knows what is happening in that institution. You better hope you get everything handled the first time because it all becomes new information every time you call. I was finally able to get a supervisor who again was no help. Shell send an email to the correct department. I was amazed when I did get an email, however, it was asking me to upload the same documents that I have already send but I sent them again any way. I got my email back saying they would contact me within 4 hours unless it was after regular business which could take longer. That was on XX/XX/XXXX. It is XX/XX/XXXX and I have not heard a word. I replied to the email on XX/XX/XXXX and stated that no one contacted me but to no avail. No one will help with this account. I dont want to deal with my sons accounts at all but I have to. I just want it over.
Consumer complaint received 2024-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (FL)

On XX/XX/year> a payment for {$550.00}, On XX/XX/year> a payment for {$970.00} and on XX/XX/year> a payment for {$340.00} was ordered to be made from my checking account ending in XXXX to " XXXX XXXX XXXX XXXX ( XXXX ) via Citibank NA online portal. The beneficiary ( XXXX  ), has denied ever receiving these funds. In fact they provided copies of their statement showing NON-Receipt of funds. Citibank can NOT and has NOT been able to provide satisfactory evidence that would show indisputably that XXXX has received these funds. For example a routing number to the bank they claim to have paid, an account number they credited, the name and address of the company they paid or a confirmation from the bank where XXXX recieved those funds. The only thing Citibank is proving is a " confirmation letter saying that they confirm payment was made as instructed ''. Well that also falls short of proving they made payment as my instructions were to pay via check to a po box . No check was ever sent nor presented to us as evidence that ( XXXX ) received the proceeds. To date, we are unable to confirm XXXX received payment and XXXX  is threatening to send my account to collection because of the missing payments. We have spent hours with Citibank on the line, they have issued a number of case # XXXX XXXX, XXXX, XXXX then XXXX, XXXX, XXXX and most recently XXXX, XXXX & XXXX. It has been escalated to manger levels and No one can provide Name of Bank they paid, XXXX XXXX XXXX name and address to where payment was sent, a confirmation fro

m the Beneficiary that they indeed received the funds. Citibank is not Cooperating to help resolve this matter which could result in a lien or foreclosure against me. PLEASE HELP ME!!!!!!
Consumer complaint received 2024-08-22
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. (NC)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-07-06
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. (GA)

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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 2024-06-04
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. (UT)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2019-06-28
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. (GA)

I do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX XXXX XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX. How did the student loans ended on my credit report? They do not have a place here. 
It could be that this creditor just made a mistake because the loan is in deferment. Please remove the multiple entries on student loan! DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT EDXXXX XXXX, DPT ED/XXXX XXXX, XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT EDXXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened These fraudulent accounts consist of personal credit card opened at XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, a personal credit card with XXXX XXXX opened XX/XX/XXXX with the account number XXXX, an personal credit card opened with XXXX XXXX  opened on XX/XX/XXXX with the account number XXXX, an personal credit card with XXXX XXXX XXXX XXXX opened XX/XX/XXXX with account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported.The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2019-07-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

Wakefield & Associates has been retained by XXXX, XXXX XXXX XXXX for a collection of {$810.00} for date of service of XXXX. During this time I was insured with XXXX. I contacted XXXX to discuss this outstanding bill and the representative I spoke with at XXXX could not locate any billing records from XXXX, XXXX./XXXX XXXX XXXX to XXXX   on the referenced date of service. It appears that XXXX, XXXX XXXX XXXX never billed XXXX and consequently this account has gone into collections. This billing error is not my fault and XXXX, XXXX XXXX XXXX needs to bill XXXX and reverse the collection proceeding against me. This incorrect reporting is harming my credit. I have attached a copy of the collection notice from Wakefield & Associates, along with a copy of my XXXX insurance card.
Consumer complaint received 2024-07-08
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. (GA)

Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.
Consumer complaint received 2024-06-13
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. (DC)

On XX/XX/year>, I have reviewed my Consumer Reports and noticed that there were inaccurate accounts listed on my credit report. 

ACCOUNT NAME : XXXX ACCT # XXXX & XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX along with all 3 Credit bureaus on the same date ( see attached letters ) and asked them to investigate and remove the inaccurate accounts from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can't be verified and validated by evidence of proof.
Consumer complaint received 2024-09-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (NY)

PLEASE ANSWER THIS COMPLAINT AND NOT ANY PRIOR COMPLAINTS This company has answered some complaints that they are a servicer for XXXX XXXX and then they changed their answer that they are a servicer for Newrez but now they have sent another inspection company to deem my home abandoned, tried to gain access to change the locks and went into the yard thru a latched gate without permission and they say they have been being paid by XXXX XXXX since 2017 and this is definitely a XXXX XXXX loan. When I demanded they update my file to show that my home isn't abandoned and I have been represented by an attorney the entire time they have had me in court - I was told that they have the authority of the Federal Government to act and will come back if I don't answer in XXXX days the next time. Imagine that? An entity that IS NOT the Federal Government is using their authority to gain access to a citizen 's home and allegedly they aren't even involved in this loan.How is this even possible? Maybe you guys can get more information from XXXX services in XXXX FL- they claim to have the power and authority to enter my home and change the locks without any law enforcement present. That sounds like a few violations of my Constitutional rights. Now here - once and for all I would like the TRUTH and a straight answer. I would like CFPB to do their job and investigate this company for fraud. They have held up my life for XXXX XXXX XXXX XXXX  of which were in court and they have had plenty of time to garner the information necessary for me to proceed and ANSWER my questions FULLY as their obligation to ME as servicer for this " loan ''. I am attaching the QWR again for full and complete answers to the pertinent questions I have been asking. Please also note that the XXXX XXXX website STILL says they own my loan, the Shellpoint website says they're a servicer for XXXX XXXX on this loan and when I called and chatted online with Shellpoint, both customer service people VERIFIED THIS IS A XXXX XXXX XXXX. So now,, if they respond to this complaint AGAIN that they apologize for ever saying this was a XXXX XXXX loan then they ARE LYING. I find it ridiculously hard to believe that the CFPB has allowed this behavior and, in my opinion, became complicit in this illegal activity and should also be investigated as such.
Consumer complaint received 2024-06-13
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. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XX/XX/year>
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OK)

THE CREDIT FURNISHERS KEEPS BREAKING DODD FRANK ACT AND PURPOSEFULLY REPORTING A NEGATIVE REMARKD FOR LOAN XXXX. LAST XX/XX/year> THE VECHILCLE HAD A CLASS ACTION CLAIM FOR XXXX XXXX. SEE ATTACHED
Consumer complaint received 2024-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (CO)

Between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I inquired about renting a house they had listed. I even had a tour of the house and signed a lease. Then I used Chime 's Pay Anyone feature to send them the first month 's rent, and they just stopped responding and disappeared. I've told Chime about the incident, and they literally did nothing. They didn't even seem to care that I caught a proven scammer on their platform. And I assumed that would be able to dispute it if things went wrong, but apparently this one specific feature is " just like cash. '' So they know for a fact they're a scammer, and they know who they are, but they just don't care.
Consumer complaint received 2024-08-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (MO)

RECEIVED CANCELLATION OF DEBT FORM. 
Stating the reason for receiving this form is because a federal gov't agency or an applicable financial entity ( a creditor ) has a discharged ( canceled or forgiven ) a debt owed.
Consumer complaint received 2024-08-03
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. (LA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.