davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I put a down payment on my car back in XX/XX/XXXX for a {$9000.00} car. My down payment was {$4000.00} and as of XX/XX/XXXX Im still at {$8800.00}. I have been submitting all my payments on time ( {$260.00} per month ) sometimes more. There was a miscommunication with Credit acceptance. If I have known that they would charged me all this amount I would have never gotten the car.I think they used the fact that XXXX is not my native language. Please help.
Consumer complaint received 2023-04-21
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: EQUIFAX, INC. (MD)

The credit agencies have repeatedly ignored my Identity theft report that I have sent several times to them. They have repeatedly ignored my requests to delete any addresses or names in which my Identity Theft report identifies. I have provided my drivers license and my a copy of my bank statement for my address. They have been reporting information that did not have my permission. There are companies that are reporting as late payments which are illegal according to 15 USC 1637. There are companies that are reporting which I have sent validation letters too which I have not receive back an answer to who is the Creditor ( in which I am the original creditor as the money was pulled from my account and I am forced to repay with interest ) The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

If this dispute is not handled in a manner in which I am satisfied I will file for every violation which is at a cost of {$1000.00} per each violation Someone needs to hold them accountable for this
Consumer complaint received 2023-04-25
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: LEXISNEXIS (GA)

On XX/XX/2023 I contacted Lexis Nexis via mail with the enclosed letter to request they validate a total of 8 accounts ( 4 which were bankruptcies ) they were reporting. On XX/XX/2023 I received the enclosed Reinvestigation results from Lexis Nexis which shows that ( per pg 8 of the Lexis Nexis attachment ) only 3 bankruptcy records were validated via Pacer but does not specify which records exactly were verified.
Consumer complaint received 2023-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The credit agencies have repeatedly ignored my Identity theft report that I have sent several times to them. They have repeatedly ignored my requests to delete any addresses or names in which my Identity Theft report identifies. I have provided my drivers license and my a copy of my bank statement for my address. They have been reporting information that did not have my permission. There are companies that are reporting as late payments which are illegal according to 15 USC 1637. There are companies that are reporting which I have sent validation letters too which I have not receive back an answer to who is the Creditor ( in which I am the original creditor as the money was pulled from my account and I am forced to repay with interest ) The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus
have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

If this dispute is not handled in a manner in which I am satisfied I will file for every violation which is at a cost of {$1000.00} per each violation Someone needs to hold them accountable for this
Consumer complaint received 2024-06-30
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc. (UT)

I have been contracted with Beyond Finance ( statement says fees paid to XXXX ) since about XXXX XXXX  to settle my debts of about $ XXXX. I have paid $ XXXX They have only settled XXXX credit card for a small amount of about {$600.00} and paid {$700.00} on another card with a remaining balance of {$2800.00}. ( Only $ XXXX ) and charging almost $ XXXX to Avant ON TOP of the Byond Finance settlement fees.

This seems like a lot of money to pay them with very little resolution to my debts. When I have tried to talk with them, it sounds like they say I am not paying enough to settle my debts, but the amounts withdrawn for fees is a lot!
Consumer complaint received 2023-04-21
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. (FL)

I have loan with DEPTEDXXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 120 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the DEPTEDXXXX but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. DEPTEDXXXX XXXX Date Opened : XX/XX/2016 XXXX XXXX : {$0.00}
Consumer complaint received 2024-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO. (CA)

For Chase Account # XXXX, I had been paying every 2 weeks 50 % of the payment so I can pay 26 times in a year instead of 24 times if I do a auto-pay with the bank to hasten the payment. So for example in XXXX I made 3 payments for XXXX and made another payment on XX/XX/XXXX Despite that, Chase charged me late fees. I have to call every month to reverse it as it is clear as daylight what the intention is. I would like Chase to pay me {$100.00} XXXX for the pain and suffering. Also I need you to fine the a XXXX dollars for not understanding math.
Consumer complaint received 2023-12-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (CT)

On XXXX XXXX I received an email from XXXX XXXX that I have an outstanding debt with XXXX XXXX XXXX them to validate this debt. On XX/XX/XXXX I requested from XXXX XXXX that the debt to be validated, their response was that the Debt was sent back to XXXX XXXX XXXX. I was then sent a letter by usps from a Stillman Law Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX. They stated that i owed a XXXX to XXXX  XXXX XXXX. On XX/XX/2023. I requested for them to validate the debt by providing me with the signed agreement bearing my signature, On XX/XX/2023 I received Priority mail from a " XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX ''. This mail contained a small claim writ from Stillman Law attorney for XXXX XXXX XXXX. it contained an assortment of documents with signatures by person in several jurisdiction namely Georgia, California, Michigan, Virginia and Connecticut. What was not included is the agreement which i supposedly signed. When I called the Clerk of Court to get more information, there was none available. Up to the point of me filing this complaint, I have not received that agreement with my signature nor the Answer form from the Court.
Consumer complaint received 2023-04-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to the fraudulent investment firm. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Coinbase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Coinbases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Coinbase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Coinbase was in compliance with its own policies and procedures ; ( v ) whether Coinbase owed duties to myself, what the scope of those duties was, and whether Coinbase did not uphold those duties ; ( vi ) whether Coinbases conduct was unfair ; and ( XXXX ) whether Coinbase has within its power the ability to, and should, compensate me for the harm that has befallen me.
Consumer complaint received 2023-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo is yet again screwing over its customers. I reached out to Wells Fargo about a questionable transaction for {$39.00} tonight, Saturday, XXXX XXXX, XXXX only to be placed on hold for more than 20 minutes. The bank tells customers to contact them immediately when something like this happens, but then fails to provide customer service when you reach out. 

This is just par for the course for the most morally corrupt company in the XXXX. The bank will not give out local branch numbers, instead you must talk to a customer service member who doesn't know the answer to the simplest questions. The bank tells are also next to useless when you go visit, and the managers are always not available ( The one on XXXX XXXX in XXXX, XXXX ) The bank is always slow to credit deposits and never responses to email correspondence. I use this bank because I travel a lot for my job and need a bank with locations in most states. 

Why doesn't the XXXX actually do something about this horrible, horrible bank more than issuing press releases stating it fined Wells Fargo fines of millions of dollars? My question is does Well Fargo actually pay those fines? 

XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: NAVY FEDERAL CREDIT UNION (FL)

I received a Navy Federal Credit Union Credit Card on XX/XX/XXXX but due to Natural Causes ( Hurricane Maria ) I lost my job which led to became delinquent for this account XXXX. The total amount is {$1300.00}. The account its been reported to continue on record until XX/XX/XXXX, despite that the first day of delinquency was XX/XX/XXXX. 

According to FCRA 623 ( a ) ( 5 ) the furnisher shall notify the agency the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

Please, I would appreciate this record to be removed at the earliest convenience, according to the FCRA regulations.
Consumer complaint received 2023-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (VA)

My X husband set up account in my name and the amount was {$860.00} because the equipment was never returned Apparently he threw it away and I have been making payments on that account for I can get that off my credit report and I also had another account. The account number is XXXX for XXXX XXXX XXXX XXXX XXXX, Virginia and I did a settlement and I paid that off for {$240.00} my confirmation number is XXXX and its still showing not paid on My credit report showing that I still owe $ XXXXwhen it's been paid off already I talk to a XXXX XXXX  representative and they pulled that account up then they try to said I owe {$100.00} which I do not owe because i did a settlement already for {$240.00} so that should be paid off and not showing on my credit report and the collection Bureau told me since Ive been on there so long since XXXX  XXXX  XXXX  pulled that off but yet I still paid the bill and Im  not understanding I opened up a investigation for CFPB to look into this because the amounts constantly keep changing I spoke to another representative today and they said I owe {$620.00} and when I talk to the collections bureau they said I owe {$680.00} and Im not understanding all of this I provided all my information that I have and I open up a identitytheft my reference number is XXXX and I also talked to another person for my dispute for XXXX XXXX and that reference number is XXXX I would like this to be took off of my collections and off my credit report and I provided information and my ex-husband had his information on there at first it was his XXXX and his phone number and I had to update my information. It should be in your records. I have text messages that I provided. And I would like this to be taken care of I have supplied proof under the doctrine of estoppel by silence engelhardt v.gravens ( mo ) 281 sw 715,719 I presume that no proof of the allegations debt, not therefore any such debt in fact therefore exists thanks
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

when to a dealerships to purchase a vehicle, i had no idea that my credit will be run buy multiple of lenders. left me with multiple hard inquiries. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-21
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: CITIZENS FINANCIAL GROUP, INC. (WI)

I took out a consumer loan with Citizens Bank. I was set up on auto pay using my credit card. At some point there was fraud on my credit card and a new card number was issued. However, I forgot that the old number was being used on my auto pay for the Citizens loan. When Citizens attempted to process the the monthly payment using the old number it of course failed. Instead of alerting me to this issue as every other credit granting company, such as either by phone, letter in the mail, email, text, or even an alert on the customer portal saying I was past due, Citizens did none of those things and just sat on their hands and after 30 days reported me to the credit bureaus as 30 days late. 
I have tried filing a complaint with the credit bureaus and Citizens with no success. 

I would have updated my payment method and brought my account current if I had just known about the issue sooner. 

Citizens failed in its legally responsibilities.
Consumer complaint received 2018-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have tried to dispute the attached accounts with bank of America in regards to charge offs but without success.This company has continued to violate the California Credit reporting act by reporting these accounts that were never charged off, they were merely settled after falling late just a few months.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, 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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C Section 602 A.

States I have the right to privacy. 15 U.S.C Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

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. 


XXXX XXXX XXXX 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 rights. Or 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 2023-10-21
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. (CA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or 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 2023-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

In XXXX of XXXX, The State of California attached a {$20000.00} levy to my checking account for unpaid taxes, and without a warning, Bank of America withdrew and sent them money from my checking account. The same date, Bank of America also withdrew and kept a separate " Legal Order Fee '' of {$120.00}. I called BofA to try to get that fee reimbursed, but they reassured me it was a one-time non-reversible fee, and even though the legal order/ levy was still in place ( and would be for years while I get the taxes paid off ), I would never be charged a legal order fee again for this levy. I believed them, and so it remained in place ( status of PAID. ) A few months later in XX/XX/XXXX ( with BofA sending State of CA some payments from my account in the meantime ), BofA sent another payment to the State of California -- and another {$120.00} Legal Order Fee was charged. I noticed this and called BofA immediately. They apologized for the error, said they should not have re-charged me another fee for the already-existing levy that was atttached to my account, and refunded that fee to me. 

Fast forward to XX/XX/XXXX ( with several payments sent to State of CA in the meantime ). I was again charged a {$120.00} Legal Order Fee for the exact same levy that began in XXXX. 
Since then, I have spent many, many hours on the phone and in the branch attempting to have the erroneous ( and by this point, triple-charged " one-time '' fee ) removed by Bank of America. This time, instead of apologizing for their error and refunding the erroneous fee like they did in XX/XX/XXXX, they refuse to refund it to me -- and will not give an explanation of why I again have paid another " one-time '' Legal Order Fee. Several of the call center folks I spoke with even agreed with me that it is not right, but it is not in their power to refund it to me. I have reached the end of the escalation point of both the in-person branch in Sparks, NV and the customer service phone call center, so there is no one left to help me at Bank of America XXXX I have triple-paid this fee and now lost time from work and lost sleep trying to get them to do the right thing. I need help please.