davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (AR)

I was sold a XXXX they was used but it broke down in 4 days I advised the dealer he said he would fix the problem but he didn't they told me it was something else that need fixing XXXX XXXX XXXX XXXX etc But the true problem was the XXXX XXXX  .which the dealer never fixed I took the vehicle back to the dealership 3 or .more times they assured me it was fixed but they lined .they added a XXXX XXXX on. The vehicle so I would e accepted by credit acceptance corporation. I purchased it in XXXX of XXXX and the vehicle has not been working properly yet during this time I was being bully and lied to by the dealer who said it was credit acceptance corporation fault .they are trying to force me to pay for a vehicle that never worked properly and still not running. Please help me
Consumer complaint received 2023-11-17
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TrueAccord Corp. (FL)

True accord collection agency emailed me on XX/XX/2023 that they were a debt collection agency and were reaching out to me to collect on this debt. I responded to them and let them know this account was not mine. They have yet to reply back to me, this account is still showing on my credit report as delinquent. This account was opened fraudulently.
Consumer complaint received 2023-11-15
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC (AL)

The company is reporting I owe {$5800.00}, im sure the seller has already sold the vehicle to another individual. The Fair Credit Reporting Act comes with the ability to dispute credit report items that are fraudulent, inaccurate, outdated, or unsubstantiated. This type of tradeline is considered unsubstantiated and I am kindly requesting that this tradeline be removed from credit report.
Consumer complaint received 2024-05-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2023-11-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (LA)

This company have obtained my personal information from a company without my consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please delete account from your records.

U.S. Code 1109 - Liability for breach of fiduciary duty Company only sold debt to collect on behalf of another company but have Failed to send validation notice and inform consumer about notices of opting out of reporting, only sent enforceable contract to attempt to collect. Statement of disclosure does not provide notices. Credit Collection Services are not listed on the Louisiana Secretary of State offical website business entity filings to collect a debt in the state of Louisiana.
Consumer complaint received 2023-11-15
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: CREDIT ACCEPTANCE CORPORATION (GA)

On XXXX I received an alert from XXXX that a new address was added to my credit report. As you know, identity theft and fraud is prevalent. I immediately thought that someone was trying to steal my identity. I was so alarmed by this notification ; I became visibly shaken. I went to XXXX and saw that a new address was reported as XXXX XXXX XXXX, XXXX, GA XXXX. I tried reporting this online, but due to how I was reporting it, as Identity theft, I was immediately directed to call XXXX. I called XXXX and soon learned that the address update lead back to Credit Acceptance Corp. They reported an address change without my knowledge. My Credit Acceptance account is XXXX on my XXXX credit report. I immediately placed a fraud alert on my file # XXXX & XXXX XXXX however this address was documented on my file by this debtor without my consent. Credit Acceptance was attempting to use fraud/deceptive practices to collect a debt. Per XXXX their records show that this report/update leads back to Credit Acceptance Corp XXXX
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: STATE EMPLOYEES CREDIT UNION (NC)

I hope this message finds you well. I am writing to bring to your attention a deeply troubling issue that has recently arisen concerning my application for a credit card with the North Carolina State Employees ' Credit Union ( NCSECU ). 

As a dedicated member of NCSECU for over two decades, I have consistently demonstrated my commitment to financial responsibility and integrity. Throughout this time, I have diligently repaid every loan extended to me by NCSECU, and I have successfully paid off a previous credit card issued by the institution. Additionally, I maintain a flawless payment history on my existing credit card, which has never once been late.

Despite my long-standing loyalty and exemplary financial track record, I was shocked to receive a denial for my credit card application. What troubles me deeply is the apparent discrepancy in treatment, as individuals with comparable credit scores have been approved for credit cards by NCSECU while I have been denied.

Moreover, as someone deeply entrenched in the finance industry, specifically serving as a finance director at a reputable dealership, I have witnessed NCSECU approving loans exceeding {$10000.00} for individuals with credit histories far less favorable than mine. This inconsistency raises serious concerns regarding fairness and equity in NCSECU 's lending practices.

It is disheartening to believe that my application may have been denied based on factors beyond my control, particularly when my record of financial responsibility and loyalty to NCSECU speaks volumes.

I implore NCSECU to conduct a thorough review of my credit card application, taking into account my extensive history with the institution, impeccable repayment track record, and current credit standing. I firmly believe that these factors warrant a reconsideration of the initial decision.

I stand ready to provide any additional documentation or information that may assist in the review process. Furthermore, I am more than willing to engage in open dialogue to address any concerns or questions NCSECU may have regarding my application.

I trust that NCSECU shares my commitment to fairness and equity in its lending practices and will take prompt and decisive action to rectify this situation.

Thank you for your attention to this urgent matter. I eagerly await a favorable resolution and the opportunity to continue my positive relationship with NCSECU.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My brother XXXX XXXX asked me if he can mobile deposit his check for him and I mobile deposit back in XXXX last year the back made the money available but when I wanted to withdraw the next day they told me my account was frozen and they doing investigation. I did not know they dont accept 3 rd party checks. So they told us that both of us need to go into to a capital one branch and verify ID and they would unfreeze my account. We went into to the bank cafe but they would not accept my ID because my work permit expired I was still waiting for it to come in the mail I showed them the paperwork but there system was not accept it .we were advised as soon as my I d come in to call them and they can send me a link to XXXX XXXX. I did that and they keep saying they will unfreeze account we wait and months go by we call and they keep saying they still investigating. I dont know what the problem is they already call the check issuer and verified .we keep calling they say they keep saying its still under investigation finally they say we need to go again to the cap One branch and show both ID get verified so on XX/XX/XXXX both of us went to the bank again verified our ID sighed the 3rd party check XXXX and XXXX form everything was done verified and they said my account should be active by next day ..one week go by .today I call they say they are still investigating whaaaat is going on I dont understand what else they need from us to unfreeze my money its been over 6 months i fell behind on mortgage and other payments this has cause a lot of issues financially can you please find out what is really happening I need my money been over 6 months my account frozen even after we went there submitted our IDS signed the paperwork I called them today XX/XX/2023 to get a update on whats going on. The lady on phone said she gon na investigate and call back with 3 hours .I got no call back from them I called her back and capital One had the nerve to say that the dont have the I D on file now tell me how unfair this is when we drove 3 hours to the Capital one Cafe in XXXX the ambassador took pictures of both IDs from his Tablet and had us sign the 3rd party check form confirmed to us that account would be activated unfrozen within few hours I even sent them all information via email last week. Is this really possible or are they trying to put me thru XXXX and have a nervous breakdown my bills are all behind including rent and my electronic bill its been absolute XXXX the past 6 months and because ofcapital ones negligence in not handling this situation in a timely manner making me feel like they didnt care at all they making no effort to resolve this situation I had to complain before I go XXXX dealing with this situation which was not even Fraud or anything that would require this much time since XX/XX/XXXX last year when I made the deposit .I need help I cant continue to carry this on any longer I would really appreciate if your company can help me out
Consumer complaint received 2023-11-15
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. (FL)

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  has violated my rights. 

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 2023-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (KY)

I signed up for a checking on XX/XX/23 using the promo XXXX because they had a bonus of {$400.00} for depositing {$1500.00} with them. I made a deposit of {$1500.00} exactly on XX/XX/23, as well as several other smaller deposits on other days totaling more than {$1500.00}. It's been over 6 months and I still can not get anyone to help me one bit. I first reached out to a Truist representative online via live chat however they were unable to help and gave me a phone number to call. I called the phone number on XX/XX/23 and the lady I spoke to was even more unhelpful than the first one I spoke to. 
I completed all the requirements of this promotion and it seems like there is not a single person who is able to help me get to the bottom of it. Please fix this.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

On the XXXX of XX/XX/2023 i received a deposit of {$140000.00} for my tax return which was deposited by XXXX, that same day my account access was restricted for no reason whatsoever, i have tried to reso this issue personally with truist but theyve been taking me back and forth i am beginning to think they do not plan to rele the funds to me, i want to use this medium to try to resolve this before taking a lawsuit against them. 
I have been a customer with Truist and have never had any problems whatsoever using the bank.
Consumer complaint received 2023-11-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: M&T BANK CORPORATION (TX)

I was working with The Texas Mortgage Relief program. They paid mortgage that I put on backend plus additional mortgage payments making me due for XX/XX/XXXX! My loan was sold from XXXX to M & T bank! I was laid off due to unforeseen circumstances in the economy. I went from Unemployment, part time job short contract trying to make ends me as a single mom of XXXX girls. I opt out of the partial modification which was original processed with XXXX. I had a XXXX RESPA PERIOD WHICH protected me. I advised M & T I was working with and waiting on the Texas Mortgage Relief! I dont understand once my number was called and a check was issued for {$54.00}, XXXX making me due for XX/XX/XXXX why would you accept the payment XX/XX/XXXX and now want to missapplid funds XX/XX/XXXX and send it back! Telling me i was in a partial modification, i defaulted and didnt pay XXXX XXXX and XXXX! You are declined And now proceeding with foreclosure! Texas Mortgage Relief is supposed to prevent this from happening! I am back working and now you want to kick me out of my home and not accept the XXXX payment. I called customer service and confirmed M & T got the payment she said he said XXXX x you dont have to do anything else you are due for XX/XX/XXXX!!! Now today She said well we will take it but its going go towards the partial! I opt out of that! Why are you doing this to a single mom with XXXX kids! The then told me to scroll down there are other forms to help with hardship! XXXX i just got funds from an legit organization! Please help me keep my home and tell them to apply the funds from the mortgage relief! The texas mortgage relief is closed no longer accepting clients and you are going to make me reapply go back thru the process when YOU have the funds! Please help M & T NEVER SEND ANYTHING IN WRITING SAY I DEFAULTED OR THAT THEY WERE NOT ACCEPTING THE PAYMENT! THEY WERE IN COMMUNICATION WITH TEXAS HOMEOWNERS RELIEF!! Then why accept thr payment from them if I was working with them. They sent the check XX/XX/XXXX and it was received and cashed by M & T bank XX/XX/XXXX!!! They applied it to my account XX/XX/XXXX!!! I need M & T to keep the payment or if not get me to a XXXX lender!!! help me find a XXXX respected LENDER!
Consumer complaint received 2024-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I hope this letter finds you well. I am writing to express my continued disappointment and concern regarding the unresolved dispute I submitted regarding the unauthorized accounts on my credit report, which are a result of identity theft. Despite my previous correspondence and the supporting documentation I provided, I am slightly sad to note that the accounts in question have not yet been removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I appreciate the initial acknowledgment of my dispute and the assurance of an investigation. However, I must emphasize the importance of resolving this matter promptly, as it has had a significant impact on my financial well-being and overall peace of mind. I would like to request an update on the status of your investigation and the reasons for the delay in removing these unauthorized accounts from my credit report. The extended presence of these fraudulent entries is causing me considerable distress, and it affects my ability to access fair and accurate financial opportunities. 
I genuinely hope that this follow-up will expedite the resolution of this matter, as I remain deeply concerned about the continued presence of these unauthorized accounts on my credit report. Your prompt attention to this issue is greatly appreciated.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (ND)

I have confronted XXXX and XXXX numerous times with the facts that these old, out of date, incorrect addresses keep appearing on my credit report, and that they need to be removed permanently from my credit report immediately. They fail to comply with my demands as these addresses are tied to old, out of date, closed and paid accounts that are past the statute of limitations for listing on my credit report. I have also requested that any old, out of date, paid in full, closed accounts be removed from my credit report immediately, because they are tied to these old addresses. I have provided XXXX, Experian, and XXXX my current, correct address several times but as you can see in the enclosed documents, XXXX fails to list my address correctly, and XXXX lists a XXXX XXXX XXXX XXXX address for me still. I want all of these old addresses wiped from their files permanently!
Consumer complaint received 2023-11-15
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (SC)

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX whose collection agency is AFNI Inc is reporting a collection amount of a {$140.00} balance. This is not my bill and the name on the bill is not my name in which this agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CO)

I reached out to PayPal/Synchrony Bank XXXX XX/XX/XXXX. I spoke to the fraud department as there were $ XXXX charges on a line of credit that I did not open and did not make charges to. the charges were out of state and some were out of the country. I was told that it was taken care of, but it has not been. They closed my account and I've been locked out of it for over a year, so I have no idea if any additional charges had been made. In the meantime, they sold my account and to collections and XXXXXXXX XXXX is now suing me for {$5100.00}! The court date is set for XXXX XXXX, XXXX! 

I spent another 2 hours on the phone today with both PayPal and Synchrony Bank/PayPal Credit and after being transferred at least 8 times, I spoke to XXXX, Manager of the PayPal Credit Fraud Department again today, XX/XX/XXXX. His employee ID is XXXX. He said he disputed all of the charges totaling {$5100.00} and that I'd receive a letter in 7-10 days confirming the dispute. The entire process, he informed me, takes up to 60 days! I need this resolved now. This is now on my credit and I'm facing a court date, additional collection fees and possibly a wage garnishment if this isn't resolved. 

A report has been filed with the Federal Trade Commission for Identity Theft.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (DE)

Banned from XXXX XXXX XXXX for a reason they said is a business decision. 

1. Cashback accumulated on the account was not refund to me.

2. I was not informed after this business decision, continued using of XXXXXXXX XXXX card will not get any cash back due to cash back app is banned.