davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (CA)

Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX OR XXXX XXXX XXXX XXXX, MI XXXX Wed XX/XX/XXXX THIS LOAN SHARK HAS RUINED MY LIFE FOREVER for something I don't owe They have been sued multiple times for over $ XXXX by the Attorney General in Massachusetts for their Bad Business practices -- -- Reporting FALSE information on people 's Credit Files REQUEST FOR A List Of ITEMS Totaling {$9600.00} YOU HAVE REPORTED TO CREDIT BUREAUS AS XXXX PAST DUE as of XX/XX/XXXX You are to provide me with a list of items validating the {$9600.00} you have reported on my Credit Files as 180 Days PAST DUE as of XX/XX/XXXX, causing severe and irreversible damage to all my Credit Files.This information MUST be provided NO LATER THAN 10 days of receiving this letter. 

It has been more than 3 years since the XXXX XXXX XXXX was considered a TOTAL LOSS by XXXX XXXX for which your Company received a PAYOFF in the amount of {$7600.00}. 

XXXX Claim Reference # XXXXXXX I have never received any correspondence from your company regarding until I pulled my Credit File on XXXX XX/XX/XXXX & noticed the {$9600.00} you reported as past due Credit Acceptance 's derogatory and unsubstantiated claim has caused me the following Life-Time IRREVERSIBLE Damage Healthwise Medically and Mentally 1 ) Severe Irreparable Damage to all my Credit Files ( 3 Credit Bureaus ) 2 ) Inability to obtain a reasonable Interest Rate on a Car Loan 3 ) Inability to obtain a Mortgage Loan 4 ) Inability to obtain ANY KIND of Credit Card 5 ) Inability to gain employment ( Executive Level position ) due to Low XXXX XXXX XXXX ) Severe Medical Conditions XXXX XXXX XXXX ( XXXX ) due to XXXX related to the amount you claim I owe and the permanent damage it has caused to my XXXX Scores a. I have attached copies of my Emergency Room Visits and the related Costs 7 ) Frequent Emergency Care Visits triggered by XXXX ( which is now a PERMANENT ) Thank you
Consumer complaint received 2023-11-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc (AL)

On XXXX I used the pay anyone feature via Chime online banking thru there app- I normally send money to my wife XXXX XXXX XXXX - when I recv my VA BENEFITS- I attempted to send XXXX @ XXXX which popped up DENIED - upon research we realized that my card wasnt linked with her XXXX XXXX  acc - thus being a requirement needed to be able to make the transaction successful- she fixed it by linking our acc ; then I tried again at XXXX to send XXXX, this time being successful- however I noticed under my transactions it showed the first -denied XXXX was showing as pending- and also my account was missing XXXX from my balance ( XXXX total ) cont XXXX XXXX and made them aware - today now it shows completed and the XXXX that was tied up in there system has been taken completely from me.I again made them aware that now they have stolen XXXX from me- having XXXX possibility of even being any other option ( the orginal XXXX that was denied ; was denied due to XXXX not being linked thus it cant be blamed on anything but there system ) thats all my remaining money for the month and bill money - they said they would look at it and it could take 90 days thats so extremely unacceptable
Consumer complaint received 2023-11-28
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I called the chase bank on XX/XX/XXXX  due to unauthorized charges in the amount of {$16.00} from Amazon XXXX from XX/XX/XXXX  until XX/XX/XXXX  and I did not authorize those charges because I don't have Amazon XXXX and I called the Amazon and they said to call my bank to dispute all of this charges that I did not make. I received a letter from Chase and they said that they can only dispute only the 60 days of charge and I'm responsible for the rest. This is not fair for me. This is fraud and why did they allow those charges in my account that I have no knowledge about. I called the chase bank and they told me to call the Amazon and I called the Amazon and they told me to call chase bank they are passing me back and forth. This is fraud and stealing.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have 5 credit cards with Capital one. I had a problem paying my bill due to our business almost closing and my account due to our accounts being hacked. I have had to switch my bank so I can make proper payments which I made minimum payments on XX/XX/XXXX. All of my 5 credit cards have this restriction. I am submitting this claim because I have been a loyal capital one customer since XXXX I need this restriction lifted so I can have access to my credit when I make payments and not to have my credit destroyed.
Consumer complaint received 2023-11-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Goodman Frost, PLLC (MI)

Goodman Frost accessed my consumer report on two different occasions without my authorization violating my consumer rights. 
XXXX XXXX of Goodman Frost has used this information to sue me twice without validating the debt. 
XXXX XXXX also did not provide proof that XXXX XXXX XXXX of XXXX XXXX Michigan retained his or Goodman Frosts services. Who is the real plantiff? 
I spoke with the accounts receivable department at XXXX XXXX and they had sold the debt to a debt collector, and XXXX from XXXX XXXX told me they did not retain XXXX XXXX nor Goodman Frosts services. 
It appears to me they pulled my credit report ( unauthorized as a " lender '' ) on a " fishing '' expedition to see what they could find.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: William D. Meeker Enterprises, Inc. (GA)

I am filling this complaint to CIC CREDIT for allowing fraudulent inquiry on my credit report and for not taking corrective actions on the unauthorized inquiry. As I checked my recent credit report, the unauthorized hard inquiry is still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Consumer complaint received 2023-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

Sent a letter to I C systems letting them know that I have never had a contract with this debt collector and to please remove off my credit report but yet its still on my report. I asked for proof that it was mine and it was never received.
Consumer complaint received 2024-03-15
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. (NY)

I have never applied nor perform services or business with XXXX XXXX XXXXXXXX XXXX  yet there is an inquiry all three credit reports .I am asking for a signed copy of the application along with a copy of my drivers license and immediate removal of these inquiries dated XX/XX/2023
Consumer complaint received 2023-12-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mullooly Jeffrey Rooney & Flynn (NJ)

On XX/XX/2023, I spoke with company representative XXXX who offered me a settlement of {$10000.00} and {$9200.00} respectively. 

That said, I want itemizations for both credit cards. I have not received any itemizations. 

Please note this lawsuit is a retaliatory measure aimed at obstructing a federal investigation concerning my complaints regarding my property at XXXX XXXX XXXX, XXXX, NJ. Any potential arrest prior to the XXXX XXXX deadline is an effort to prevent me from fulfilling my debt payments. 

In context, I am at odds with the New Jersey Governor and members of his cabinet to include the XXXX Police Director, and the XXXX XXXX Prosecutor. They have denied me my civil right to file a complaint. In retaliation this is unethical conduct to attempt to take away my home. The debt is their excuse to act. Again, I received no itemizations. I will contact the company to send it. 

Thank you. 
XXXX XXXX
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: EQUIFAX, INC. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRSTBANK (CO)

My account with First Bank was closed as I attempted to buy a used car for my son. When I sent the money to a friend of a friend by XXXX, it was flagged as fraud. This is fine, but what is not is the way I was treated when the bank called me to verify the transaction. The representative spoke with a mocking tone, and acted like a child. At one point, I said this isnt fraud and she replied uh huh it is. I became frustrated and she terminated the call. 

At this point, in retaliation, my account was closed. When I opened a new account, I was unable to set up my bills as usual, and received a letter stating that my ACH access was blocked. I called First Bank to dispute this last week, and again was spoken to like a child. In a mocking tone, the representative said they could not help me and laughed. 

I also was expecting my tax return at this time. First Bank said last week that they were mailing the check to me. When I followed up today, I was told that it was returned to the IRS. The representative again made jokes and laughed. Looking at their reviews, I can now see I am not the only customer with this issue. 

I spoke with the IRS today after First Bank and they do not know where my refund is. To help, they placed a " trace '' on my refund and are contacting First Bank to find where my refund disappeared to. 

I'm afraid that First Bank has stolen my refund, and I would like them to remove the ACH hold from my profile.
Consumer complaint received 2023-09-13
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Bright Capital Inc (AZ)

I was charged {$89.00} on XX/XX/XXXX  for a membership fee that I never authorized. I have requested a refund and reason for the money being stolen out of my checking account and can not call them, get email response, or chat response from them. Im completely out of options and have been scammed and I am worried I wont get the money back.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Fact, the truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX ( 13 different accounts ), and US DEPT of ED/XXXX  violated my rights by informing consumers that I allegedly owe an account with amount on it to Experian, XXXX & XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. Fact, the truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX DEPT OF EDXXXX ( 13 different accounts ), and US DEPT of EDXXXX XXXX is falsely publicizing an account addressed to me on Experian, XXXX & XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX  ( 13 different accounts ), and US DEPT of ED/XXXX XXXX has published my information publicly on XXXX, Experian & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all violations. Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DEPT OF EDXXXX ( 13 different accounts ), and US DEPT of XXXX XXXX has published an account XXXX have of mine on Experian, XXXX & XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all violations. Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX ( 13 different accounts ), and US DEPT of ED/XXXX  XXXX show their violations. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX ( 13 different accounts ), and US DEPT of EDXXXX has published an account they have of mine on Experian, XXXX & XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all violations.
Consumer complaint received 2022-08-04
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. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$19000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$530.00}, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$89.00}, XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$40.00}, XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$3800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$160.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$40000.00}.
Consumer complaint received 2023-11-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (OR)

I had a balance on my account with XXXX XXXX  for 2 months. I sent the bill to XXXX XXXX to pay because I didn't have the money to pay twice, I had lost my home. I had already made a payment and so my bank reversed the payment since it was paid by XXXX XXXX. XXXX XXXX has no way to talk with someone. Every time I tried to call, the automated line said they were closed, or when I got on the chat it would get disconnected. Long wait times. I understand that they don't have enough workers. But I'm also told through someone who went there to work one day on the wiring, that they have outdated computer systems and 2 people working there. This is not my fault that they can't get it together or that they paid the wrong account. One hand does not know what the other hand is doing, and I called multiple times and no one could figure it out and they would just hang up on me. So they sent it to collections?! This is ridiculous. I have never missed a payment in 10 years! XXXX  XXXX  paid my water bill and XXXX as well and they were paid with no mistakes. In this day and age, it is extremely stressful especially for a XXXX poor person to fight the system. I'm sick of being held responsible for other people 's mistakes. They added more money on the account after it was closed too. I gave the exact bill to be paid to community action. it was paid.
Consumer complaint received 2023-11-28
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (CA)

Basically its all over the internet. I send my payments in 10 day prior to due date. They say they never receive it. The. They charge a late fee and then post my payment the next day. I sent my payment in XXXX out on wed the XXXX it shows posted on the XXXX I get a email her on the XXXX saying they still havent received it. This has happened a lot. The payment is due on XX/XX/XXXX a Sunday but it was cashed on the XXXX. It doesnt take 15 days to post! Ive called and they say they cant control the mail. They want me to call and give my debit card over the phone. ( that way one of the millions of operators can hike my account no thank you ) they should allow electronic payments if not they need to hire more people to do their mail!
Consumer complaint received 2017-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ( XXXX ) ACC BAL : {$470.00} This account has wrong balance and still listed as open error please delete inaccurate. 
2.ACCOUT NAME : XXXX ( XXXX ) ACC BAL {$260.00} This account I have never done business with this company I have no contract with XXXX please delete . 
3.XXXX ( XXXX ) ACC BAL : $ XXXXThis account is a HIPPA Act Violation. Please delete error. 
Again, I expect every part of this listing on my report to be individually verified as accurate or the entire item should be deleted.
Consumer complaint received 2017-04-04
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (FL)

I have had several bank accounts with XXXX XXXX XXXX and Suntrust Bank, I am on XXXX so things are tight for me and I get overdrafts sometimes. I get my check once a month, they would sometimes not pay something or let go through just to apply XXXX or XXXX overdraft charges, you get a overdraft charge of XXXX, a nsf fee of XXXX and an extended overdraft charge fee once a week for as long as overdrafted. The accounts become overdrafted and you ca n't pay back so they close the account, and show overdrafted your checking and your savings, they have yet to explain to me how you overdraft a savings account. The savings account is to help keep from overdrafts if you have money in it. Once the account is closed the negativity is showing in both savings and checking and when go to pay it they make you pay the savings and checking so you pay twice for the overdraft fees and whatever is paid through the checking account. The savings account should not go into negative as there is nothing taken out of it. I do n't think it is right to have to pay XXXX accounts when only the checking account has over drafts and payments coming out of it.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MA)

XX/XX/XXXX requested removal of over draft service that caused fees. Fees were removed and I was told that service was no longer on my account. 
Moving forward the Now there are fees and the service was not removed. 
But the incurred fees were not removed although it was not suppose to be on my account. 

Spoke to XXXX : It was not clear on what needed to happen or what I was waiting for but was told someone will get back to me within XXXX XXXX was helpful to file a Compliant that Ibhave not heard anything back about Compliant # XXXX Case Number # XXXX Reference Document # XXXX