davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (IN)

Subject : Complaint Against Credit Acceptance Corporation for Violating Security Interest Agreement and Billing Error Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Credit Acceptance Corporation regarding their failure to honor a security interest letter and address a billing error in relation to my account. Despite my repeated attempts to resolve these issues directly with the company, Credit Acceptance Corporation has failed to acknowledge or rectify the situation, which has caused me significant financial harm and distress. 

Here are the details of the situation : 1. Security Interest Agreement : - I provided Credit Acceptance Corporation with a security interest letter outlining my rights and interests in the assets and personal property held by the company. This letter was notarized and sent to them via registered mail. 
- I also submitted a Certificate of Indebtedness as per the terms of our agreement, along with a filed 1099 A, which Credit Acceptance Corporation has failed to honor. 

2. Billing Error : - I notified Credit Acceptance Corporation of a billing error in accordance with the law, giving them 30 days to correct the issue. However, the company has not acknowledged or addressed this billing error.

- The company 's failure to credit my account as per the Certificate of Indebtedness security has resulted in financial discrepancies that remain unresolved. 

3. False Advertising and Loan Selling : - Credit Acceptance Corporation falsely advertises that they pay all note holders promptly upon receiving funds in the trust and settling fees. However, this has not been my experience. 
- The company has also sold the loan without my consent or proper notification, further complicating the situation. 

4. Legal Recourse : - I am aware of my rights under the law, including the right of rescission ( 1026.23 ) and billing error resolution ( 1026.13 ). I demand that Credit Acceptance Corporation honors the terms of our agreement and resolves the billing error promptly. 
- I also assert my right to take back the security interest and any proceeds provided to them as part of the contract, as permitted by law. 

I believe that Credit Acceptance Corporation 's actions constitute a violation of consumer rights and financial regulations. I request that the CFPB investigate this matter promptly and take appropriate action to ensure that Credit Acceptance Corporation fulfills its obligations and addresses the concerns raised in this complaint. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MD)

I logged into my account today and saw pending transactions that I did not make from XXXX. The balance on my account is also incorrect once all of the pending transactions are added, and the name on my personal accounts continues to revert back to " XXXX XXXX '' even though I presented the court order for my name change and my driver 's license to a branch representative at two different locations on at least two occasions. I also received a text message from the bank regarding an attempted charge of {$99.00} from XXXX, which I did not make or attempt to make. I recently notified the FBI about prior identity theft issues, but the problems have continued. Please assist with resolving the issues.
Consumer complaint received 2024-02-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I moved on XX/XX/2023 and I have tried to get Capital One to change my address in three different ways I put in a change of address and the post office, I send in a payment and changed the address on it and I called and spoked to someone to change my address and have not change my address and I haven't gotten a bill from them but they call me every other day asking for a payment. I only owe XXXX payment which is {$420.00} but they have added another {$200.00} for some reason. I have never ever paid a half payment. I get a bill every month but haven't gotten one since XXXX, I tried to get information online that Capital One said they had on me and the little information I seen is incorrect.
Consumer complaint received 2024-01-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Tribal Lending Enterprise, Inc. (NM)

I called Ascend loans on Thursday, XX/XX/ since I never received the deposit for {$900.00} for a loan that I was approved for. After several phone calls to Ascend as well as my bank Ascend was advised by my bank to send them a RO8 form because they deposited the money into someone else 's account. The agent stated he spoke with his " higher ups '' and they would receive the form that day. The Ascend agent also stated that I would be receiving an email from them confirming this. However, as of this moment I never receive neither the funds nor the email. 

I called Ascend a few moments ago and escalated the call to a supervisor named XXXX. XXXX told me that the previous agent was incorrect that they do not send any forms to anyone, that Ascend didn't not have to follow any state or federal laws and I have to wait until Wed and if the bank doesn't send back the funds they would do another 3-way call with the bank.
Consumer complaint received 2023-10-29
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: JPMORGAN CHASE & CO. (FL)

If this is a duplicate inquiry that means you never sent me a hard copy by XXXX Postal Service of your response as requested in XXXX of XXXX  you sent a cashier 's check payable to XXXX XXXX for {$2200.00} Did the pay on that check instruct you to place a stop payment on it yes or no Send a copy of the letter notice message you received from XXXX XXXX or any other person telling you to stop payment on his check for {$2200.00} send a copy front and back of the check showing that XXXX XXXX or any other individual negotiated that check
Consumer complaint received 2023-08-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Initially paid off loan to Citizen Bank on XX/XX/2023 for the amount of XXXX. The posted fees and accrued interest that I was not made aware of. The account went delinquent for 120 days. When I realized it, I immediately paid it off. When applying for a new mortgage the issue came up and now I can not obtain a secured mortgage thus make the interest rate out of control. My credit score also dropped from close to 800 to the mid 600s. I have never missed a payment on any loan I have secured including to Citizens Bank. This is potentially preventing a move to a new school district in order to obtain better services for a child that needs them. Citizens Bank has refused to work with me and told me that no info will be provided with 30 days from the dispute which was placed on XX/XX/XXXX.
Consumer complaint received 2023-11-24
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: EQUIFAX, 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 2023-08-24
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. (TN)

Equifax has failed to properly investigate these accounts and to show proof Under FRCA 611 ( A ) ( 5 ) ( a ) Treatment of inaccurate or verifiable information If no account can be verified or reported accurately the items listed shall be deleted. Equifax also failed to disclose all documents and records about these accounts they have on file Under 15 U.S.C 1681g Under 15 U.S.C. 1681i all unverified accounts must be deleted quickly. For as these accounts are damaging my credit worthiness
Consumer complaint received 2023-08-24
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. (AZ)

This is a violation of 15 U.S. Code 1681 I can not get XXXX XXXX etc due to my credit report.
Consumer complaint received 2024-01-29
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (OR)

I created a XXXX account to utilize a mobile hotspot XXXX. Once I closed the account I attempted to return the mobile device. I brought to the store where I opened the account and they refused to receive the device. I was in communication with XXXX and they said to bring to a second store and they refused as well. After I was told to mail back through XXXX. I was sent a XXXX label and dropped the device off at my local XXXX store. I was contacted again by XXXX saying that I owed them for the device that I had returned to XXXX  I attempted to explain to XXXX that the device had already been returned and they opened up an internal inquiry ( request number available upon request ) and that I would be called back. A number of weeks past with no communication and I reached out to XXXX again and the person I spoke with could not find the previous record and a second request was submitted ( request number available upon request ) and was told I would be contacted. I was not contacted again until I was notified that the bill had been sent to collections. XXXX has either lost the device or XXXX missplaced it upon receipt.
Consumer complaint received 2024-03-28
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: Experian Information Solutions Inc. (AL)

I'm aware that under FCRA 605B, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.
Consumer complaint received 2023-06-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I am unsure why this bankruptcy is still being reported on my credit report. Per XXXX XXXX there is no record of bankruptcy. However XXXX, is documenting that gave them the information on my credit report. XXXX XXXX stated the bureau was notified but they continue to report this information when it should be deleted.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-Investigated
Consumer complaint received 2018-07-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I am furious. I have been dealing with this credit situation since XX/XX/XXXX. They have name variations and addresses that I have never lived. I asked them all to send me an updated report with ALL addresses and names and jobs that I never worked to be removed from report. I included several accounts that needed to be removed as well. 

I disputed these accounts again in XX/XX/XXXX and this time included a driver 's license and my utility bill. XXXX sent my results to an old address luckily I had my mail forwarded. All accounts I requested were removed, but when I look at XXXX XXXX the information is still there. 

Experian never gave me any results from my XX/XX/XXXX investigation, and XX/XX/XXXX, XXXX sent me a letter asking me to send them over a driver 's license and utility bill, which I did already and they were asking for another investigation. 

My daughter tragically passed away last year and I need fresh start so I'm now purchasing a home, and the distress these companies are putting me is not fair. I don't know why I have to ask so many times for my information to be accurate on my report! When I call them I'm transferred overseas and they aren't sympathetic to my situation.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To whom it may concern, You are reporting this collection Account name : National Credit Systems Account number : XXXX With a past due Account balance amount of {$790.00}. This is inaccurate reporting and needs to be removed IMMEDIATELY. This is a violation of the FCRA and is in violation of requisite XXXX XXXX complaint reporting standards. According to the Fair Credit Reporting Act I have the right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable or accurate. Please send me a copy of my credit report when the above deletion has been removed. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I called Bank of America on Saturday XX/XX/2024 to confirm the date I needed to pay my credit card bill in full, which on XX/XX/XXXX, the balance was {$4800.00}, and needed to pay that amount off to avoid any interest fees being charged. The consumer care representative stated that as long as I made the full payment before XX/XX/XXXX, I would not incur any interest. However, this was incorrect and I was charged {$220.00}. I called to contest this charge and have them remove it but they denied it.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

Trans Union has refused to remove a fraudulent collection item from my report. I have contact the XXXX XX/XX/XXXX and XX/XX/XXXX on both occasions I received a response stating " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Not Specified. Here is how this account appears on your credit report following our investigation. '' Neither I nor anyone in my family have authorized this fraudulent balance or any transactions related to the {$110.00} amount being collected by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX On the behalf of XXXX ( XXXX ). I have also contacted the merchant who refuses to verify the transaction and they refer me to the collection agency who has also not responded to multiple requests to remove the fraudulent collection item from my report.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I wrote XXXX XXXX and XXXX on XX/XX/, asking for full media validation and account details and requesting a dispute of a debt. Neither firm replied. I sent a second request to them via Registered Mail USPS in XXXX. 

Instead, the companies placed a derogatory item on my account, falsely asserting that I owed them. 

I included pictures of the returned telecommunication equipment, the XXXX document that verified shipment, the email acknowledging receipt, and other details. The alleged debt contains not details, itemization of charges, or a reply withing 30 days as required by the ECOA and FDCPA.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

From XX/XX/2023 to the present there is no access to this checking and savings account. There is a negative balance which has been sent to the check and banking reporting service and there are several transactions which have occurred where nothing has been delivered or purchased on the account. There are also bank cards that have been issued on the account and someone has been calling the bank to have any previous credits which were issued as a result of fraud reversed for the charges to be deducted from the account. Most of them are internet purchases.
Consumer complaint received 2024-01-29
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MA)

Best buy has a technical support team that I paid to fix the computers. ( many ) from them and the technician kept downloading webroot and all kinds of protection that never worked for me. Someone ( unknown user ) kept asking for my password so I locked him out on my 2 week old ( my baby ) XXXX '' XXXX laptop after 2 weeks so the ( unknown ) destroyed my operating system and Best buy from California customer care was looking for someone else to pay me back and I never got a dime only a new computer after new laptop with same problem. I brought best buys technician my first computer and he said what's the motherboard password I told him he said nope that's not it I told him I never made a motherboard password so he sent me away with it and told me he couldn't do anything I need to buy a new one. I looked in XXXX and learned to take out the battery and I fixed it myself. I also signed contract for a XXXX XXXX phone but their employee locked it in the safe and I got a big bill and XXXX XXXX XXXX didn't believe me so I spoke to the president of XXXX XXXX XXXX and he was wonderful and fixed it but I never got the phone. I had went to court about this and have proof and they have been harassing me for years and years with phone calls and this credit stuff. Please help
Consumer complaint received 2023-11-24
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. (IL)

I recently received a copy of my XXXX, XXXX and Equifax consumer/credit report for the first time just to check to see if everything was reporting accurately. I noticed a few accounts on my consumer report that I did not give written authorization to report. On top of me not giving authorization I also noticed that the accounts on there are reporting my transactions and experiences with me ( the consumer ) and the companies which is against the law ( 15 U.S. Code 1681a ) Consumer report EXCLUSIONS ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; With that being said, I need these AGENCIES to immediately stop reporting my personal and financial information without my written consent and without following the proper guidelines to furnish a consumer report and demand that these accounts be removed from my consumer report/credit 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
Consumer complaint received 2023-09-12
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. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX Balance : {$910.00}.