davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-05
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 (FL)

I was using XXXX to make a claim. XXXX XXXX XXXX change the terms of the loan without me agrreing to, changed from 66 months term to 75 months term. Here is what I was claiming in my last message to them : Im adding information regarding this scam. 

The information below about Security Interest and Grace Period its written on the front page of the Sales Contract.

Security Interest : 1 - A security interest on a loan is a legal claim on collateral that the borrower provides that allows the lender to repossess the collateral and sell it if the loan goes bad.

2 - A security interest lowers the risk for a lender, allowing it to charge lower interest on the loan.

3- Lower interest means that the borrowers cost of capital will also be reduced.

Note : I did not receive the benefit of a reduced interest rate. On the contrary, I was overcharged an abusive interest rate of 27.13 % when the current auto loan interest rate at the moment was around 8.5 %.

Late Charge : If a payment is not received in full within 10 days after it is due you will pay a late charge of 5 % of the unpaid installment. In other words, this is a Grace period. 5 % of the installment is : {$520.00} monthly payment by 5 % = {$26.00} XX/XX/year> Summary of Charges : Unpaid fees : {$310.00} Other Fees : XXXX XX/XX/year> final payment of {$8600.00} I need to pay this additional amount to complete the payoff of the loan after paying 68 months. The sales price of the vehicle was {$17000.00}. Why it's that after 68 months I still owe {$8600.00}? 

This means that after paying the Signed Contract agreement of 66 months loan with a Finance Charge of {$16000.00} and an Amount Finance of {$17000.00} totaling a Sales agreement of {$34000.00} and now having a REMAINING BALANCE OF {$8600.00} the TOTAL SALES PRICE WILL BE {$43000.00} with a NEW CHANGED LOAN TERM OF 75 MONTHS I did not agreed or consulted about it. 

I did not sign, was consulted about this change and/or asked if I agree to such change about the loan term.
Consumer complaint received 2023-04-18
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: EQUIFAX, INC. (NY)

as of XX/XX/XXXX i have noticed fraudelent accounts on my credit report and consumer reports 15 U.S. code 1681c-2 a consumer reporting agency shall block the reporting of my information in this file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the receipt. 
Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$18.00} {$18.00} {$18.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$610.00} {$610.00} {$610.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1000.00} {$1000.00} {$0.00} Credit Limit : {$1000.00} {$1000.00} {$1000.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (IA)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MI)

I had a chase credit card in XXXX, after multiple cards that werent mine I closed the account paid the account in full at the beginning of XXXX. XXXX of XXXX i received a notice from the XXXX XXXX court system of having to go to court. So after a few months i provided all the information to the XXXX XXXX court judge. When the hearing date was set the chase bank attorneys failed to appear. Therefore the Judge dismissed the case. And the evidence I had was accurate. I had a XXXX balance, this is still on my credit report and I would like it removed
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-26
Product: Credit card — General-purpose credit card or charge card
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)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-07-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC (SC)

I bought a vehicle from a used car dealer USauto sales in XXXX in XXXX. So the car originally started XXXX XXXX XXXX XXXX XXXX XXXX XXXX only a few months of having it. I called the dealer and told theem what the issue was and they would come to get it and get it solved, i did put {$5500.00} down payment, and got my own insurance for the first time on my own so that was an extra XXXX $ roughly. I asked to exchange the car because i couldnt afford to pay rental and pay for a car that was broke. So it went on for about 2 months back and forth with the shop the car was at. Kept getting the waiting on dealer to handle the warranty excuse. So i called USautosales to figure out the hold up and thats when i was told there was no warranty applie to my vehicle and that the car was no longer in my possession because i was being charged and i guess it was not put into my account. So it wasnt until this week of XXXX, of XXXX that all this had happened with USauto sales and have been struggling ever since then. Because all that money put down and then paying for a car i didnt posess and then lied to about having warranty. So i would be very grateful for any kind of help. Im not asking for a XXXX dollars or a brand new vehicle but im struggling. And its because of that bad business doing i made.
Consumer complaint received 2024-06-25
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 (FL)

On XXXX XXXX they reveived a letter that I sent to them via certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) asking them for the contract that I have with them that includes wet ink signature. That letter was not filled out and sent back to me. Correspondence was sent back to me states that the application was taken over the the phone or the internet and do not have a paper copy to send.
Consumer complaint received 2024-06-25
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (MI)

Continually locked out of even checking my balance, restricting my use of services they advertise that they offer ( and that I'm eligible for, specifically XXXX ). If you're flagged for suspicious activity on login, they won't allow you to use XXXX XXXX ( basically an advance on your pay, that you've already worked for, usually around XXXX bucks ). So, they conveniently lock you out of your account, whenever you are eligible for XXXX XXXX. Customer service can do nothing for you, except send an email to tech ( where the login problem lies ), which they never read, and TV he problem never gets resolved. Customer service agents are only able to help you unlock your account, but only if you escalate. They're trite, condescending, and incompetent, and the only people you can call for resolution, which never happens. They can not access anything to fix anything, and are the consumers only recourse. I am moving my payroll, immediately. I also have reason to suspect that they " recovered '' XXXX, that they never gave me, as well.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Since XX/XX/2023, I have been asking transunion credit for a dispute over some accounts, dispute after dispute and as of today, they do not validate the account as mine and they do not delete the account, violating the fair credit law.
Consumer complaint received 2024-05-31
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (WA)

In reference to the case # XXXX. Please reopen this case number the reason is : This case is not solve yet. Fargo Bank never returned my money back, which they imposed on me for these not mine chargers, as they promised they will return. 
And they never tried to send me a new Credit Card. Despite all my reports to them. 
I am very much frustrated and mad with Fargo Bank for what they did to me as their costumer. They made me a victim of fraud. Not only that, they allowed someone else to used my identity, also they never protected my Identity, for so long on the top of it all. They blame myself for all of theirs mistake and hold myself accountable for all the changers that occurred on this and related cards, that I never received it from them. Apparently they were stolen from the mail? Also. They ruined my Credit Report. Reporting to them as my fault and that I am late with payments. What a lie! Therefore please assist me with this case again to clear my name from all of this to fix my Credit Report and to get all my payments money back to my checking account. And a new Credit Card as I had applied for it and was approved. 
Thank you XXXX XXXX
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Account XXXX XXXX XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :
Consumer complaint received 2024-05-26
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. (TX)

I was never late on these account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these late payments. 

I was never late on these alleged late payment from my credit report and update to paid as agreed per USC 15 1666B a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

Experian refuses to acknowledge _ _ _ _ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  After my initial request asking them to change this listing from SINGLE FAMILY RESIDENCE, as it is currently listed ( before and after my request ). I sent them the direct XXXX map address for this XXXX address, and nothing has changed. 
I have had to go round and round with multiple agencies to Insist that _ _ _ XXXX XXXX is an address for XXXX XXXX and NOT a residence. 

NO ONE LIVES THERE. 

It has caused inordinate stress on my part qualifying for SOCIAL SECURITY, Supplemental Security Income, XXXX, XXXX, XXXX XXXX, et al. 

THIS IS UNFAIR AND UNDUE!
Consumer complaint received 2023-11-13
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. (FL)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my right. 

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
Consumer complaint received 2024-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BOEING EMPLOYEES CREDIT UNION (WA)

A check for over {$11000.00} was stolen and mobile deposited into the account of a BECU member. The check was not written to the woman, nor was it endorsed to her, nor did she have permission to deposit it. I was made aware and immediately contacted BECU to inform them. I was told over the phone that BECU policy does not allow 3rd party checks and that the check would be kicked back. The bank allowed the woman to keep the check anyways despite the fact that it was stolen and against its policy. BECU is also refusing to further investigate the issue and I am out the XXXX. 

I have filed a poilice report, and signed an affidavit of forgery. One of the managers I spoke with at BECU stated I should sue BECU also for its wrong doing and failure to follow its policy and procedures in place to avoid these types of situations.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One on all three accounts is reporting High Credit balances when I only carry no more then {$25.00} on all three cards since the opening of all I pay off total balance every month MOST BALANCES ARE CREDIT HOLDS AND DEPOSITS this is purposely done and shared to other institution so thy can monopolize and control who extends be credit etc
Consumer complaint received 2023-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (FL)

Its called enhanced recovery company. Their phone number is XXXX XXXX XXXX which no one answers its just a recording and then they hang the phone up on you what they are doing is buying old debts from debt collectors and putting them as new debts and putting them on your credit report after 10 years this is ridiculous and this should be illegal then when you try to call to fix the situation you cant talk to anyone just a recording. I need some help. This is ridiculous. Things are on my credit report. Shouldnt be on my credit report, something as simple as XXXX equipment not returned when it was returned but they had private contractors at the time picking up everyones equipment, which when I talk to XXXX they said I had no debt with them at all and all my equipment was returned so this is crazy
Consumer complaint received 2024-01-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sentry Recovery and Collections, Inc. (NV)

I, XXXX XXXX, a federally protected consumer, am lodging a complaint against SENTRY RECOVERY AND COLLECTION for engaging in abusive, deceptive, and unfair collection practices in the pursuit of credit extensions. Collaborating in a conspiracy with consumer reporting agencies to restrain trade and commerce, this debt collector has participated in XXXX activities. At no point have I granted this company consent to possess my nonpublic personal information. I disaffirm any alleged agreement or contract between myself as the consumer and the original creditor, whether implied or explicit. I categorize this account as a billing error and request documentary evidence of the obligor 's indebtedness.

This company violates the false claims act, putting my consumer credit reputation with other financial institutions at risk by fraudulently reporting this alleged debt to coerce payment. Any past or future payments are a consequence of threat, duress, and coercion, arising from undue influence. I assert my legal refusal to pay this debt in accordance with 15 U.S. Code 1692c ( c ). I demand an immediate cease and desist of all illegal activities, including communication and collection efforts related to this and any alleged debts until SENTRY RECOVERY AND COLLECTION can provide sufficient documentary evidence of my legal obligation to pay them. Failure to produce this evidence, coupled with continued collection efforts, will prompt litigation for actual damages caused. SENTRY RECOVERY AND COLLECTION shall be held liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT, and RICO Act.

Upon receiving the documents herein and this notice, you are hereby informed pursuant to UCC 1-202f. Your prompt attention and response to this matter are both requested and required.
Consumer complaint received 2024-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've repeatedly requested detailed explanations from TransUnion regarding their method for " verifying '' information on my credit report. TransUnion, you have consistently failed to address this issue despite several requests. You did not respond to me within the legally mandated 30-day period, necessitating the removal of the following information from my report : XXXX XXXX XXXX... : This debt was already paid off as a charge-off, documented with a XXXX that I filed with my taxes. Attempting to collect on this debt again is illegal. 

XXXX XXXX XXXX... : Similarly, this debt was settled as a charge-off with a XXXX filed with my taxes. Double collection on this debt is unlawful. 

I dispute these claims and formally request validation under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( FDCPA ). I demand the following : A detailed breakdown of the fees and the calculation method used to determine the claimed amount. 
A copy of any contract or document bearing my signature that makes me liable for this alleged debt. 
Immediate cessation of any credit bureau reporting until the debt has been validated as required by the FCRA. 
Proof that you are licensed to collect debt in my state. 
Please send this information to my enclosed address. Consider this letter my formal debt validation request as permitted by the FDCPA.