davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CREDIT ACCEPTANCE CORPORATION (MI)

Credit Acceptance Corporation received my application and it was deposited into their financial institution in which it is recorded as an asset for Credit Acceptance Corporation. The goods I purchased that day in good faith and exchanged my signature which is the estate property along with the identification number issued by the social security administration. The note gains interest monthly and has a payout date of maturity in 10 years or less. The note has been sold and has earned as of XX/XX/2024 just over XXXX XXXX dollars and this security is the estate property and the goods have been seized even though Credit Acceptance Corporation knowingly should have applied the equitable interest from my investment to the account for settling. I do believe Credit Acceptance Corporation has violated international commerce laws, security trading laws, and committed tax evasion.
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Consumer complaint received 2024-06-27
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Vehicle was up for repossession, me and the lender agreed upon settlement agreement payment plan which will put hold on repossession. Vehicle gets repossessed from repo agent after me and lender agreed on a settlement agreement. I call lender about our agreement and they tell me it was void without me knowing or informing me of the situation. I paid money towards a settlement agreement which me and lender both agreed upon and after my vehicle still gets repossessed and lender tells me that the settlement agreement is voided, without informing me. I was told repossession is out on hold when we made the settlement agreement.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-01-29
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. (FL)

I am very disappointed that despite my persistent efforts to dispute and rectify these issues, it appears that the inaccuracies persist, particularly the account named XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account # : XXXX ), being removed and re-added multiple times, specifically on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I don't know what else you need from me to prove that this account has been charged under my name without credible proof of validation. I didn't even sign any contract agreement with this collection department. I have had no physical contact with them and was not aware of their presence until their names appeared on my credit report. 

I want to bring your attention to the following derogatory items : 1. XXXX XXXX - Account XXXX This account has been paid off, yet discrepancies exist in the reported dates of the Last Active and Last Payment. Inconsistencies like these raise questions about the accuracy of your reports. Life circumstances, such as a family member 's critical condition, can impact payments, and I urge you to consider the human aspect in these situations. Despite previous removals, the account keeps resurfacing. 

2. XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) - Account # : XXXX I have no knowledge of this account and have never entered into any contractual agreements with the collection department. Its multiple removals suggest a lack of validation and verification, yet it persists on my credit report. 

3. XXXX - Account # : XXXX This account displays discrepancies in reported dates and amounts, similar to other accounts. 

4. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # : XXXX The " last active date '' is inaccurately reported, further highlighting the inconsistency in the information provided. 

5. XXXX - Account # : XXXX This has shown faulty reporting due to some mistakes in a two-payment history. They have reported it Charged off in XXXX and fully paid in XXXX, and still they continuously furnish such accounts despite its obvious error in their reports. 

The following collection accounts has failed to provide the following documents I need : 1. An Official Contract Agreement : I have not seen even one signature on the billing statement that they have provided. No sworn agreements and contracts were included ; they only provided me with a plain billing statement. How can that be considered valid proof if there is no signature on it? 

2. Proof of Licensing : Where are their furnished documents that demonstrate their status as a licensed debt collector with the legal rights to collect debts, both within and outside my state area? THERE's NONE! 

3. Transaction History and Payment Records : How can they substantiate that this billing statement is mine if the address written on it is incorrect?
Consumer complaint received 2019-03-14
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Synovus Bank ()

On two separate occassions with XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX, I tendered two separate U.S Dollar Checks, the FORGE INSTRUMENT which CLEARED and funds where then debited! After my Case Application as filed before the Company as you already know, I was advised IF I WILL PROVIDE, I provided for THAT to the Company, through XXXX XXXX, and much more to do with the essence underwhere I am moving in for my pay relatively, but on 2 occassions, the Synovus Bank, through XXXX XXXX, have informed me that Funds are unavailable ( approximately XXXX U.S Dollars ) to clear my check tendered to XXXX XXXX XXXX vide XXXX XXXX. 
The case is well known and the Treasury disbursed the Funds, and the FORGE Instrument is the SOME instrument that was availed for me to be able to get my payments, but the Bank, Synovus Bank, through XXXX XXXX is advising me that FUNDS are unavailable!
Consumer complaint received 2024-02-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I am contacting you to lodge a formal complaint against Chase Bank concerning the handling of my business account for XXXX XXXX XXXX ( XXXX : XXXX, Account Number : XXXX ), under my name, XXXX XXXX. I established this account at a Chase branch in XXXX XXXX, California, in XX/XX/XXXX. After some time, Chase closed my account, leaving an outstanding balance of {$90000.00} USD. 

In XX/XX/XXXX, I reached out to Chase to address this issue, requesting the issuance of a check for the remaining balance. Contrarily, Chase refused to issue the check. Instead, they demanded that my clients, who had made their payments via bank transfers a significant time ago, should confirm through their banking systems that the transactions to Chase were processed without any issues. This demand is not only excessively redundant but also entirely unreasonable. My clients are uncertain about how to proceed with such a confirmation, especially considering that their respective banks have already indicated that the funds were transferred to Chase without any disputes, implying that the transactions were completed as intended. 

It is unreasonable for Chase to impose the responsibility of verifying transaction validity on my clients and me, especially when the transactions have already been finalized and acknowledged by the sending banks. I urge Chase to conduct their own verification of the transactions ' legitimacy and eliminate these unnecessary procedures by issuing me a check for the remaining balance. 

I request the assistance of the Consumer Financial Protection Bureau in resolving this issue promptly. The demands made by Chase are causing undue delays and hindering my access to funds that rightfully belong to me. A swift resolution to this problem, including the issuance of a check without imposing further unreasonable requirements on my clients or me, would be greatly appreciated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

Someone is opening credit cards, requesting loan approvals and using different addresses, work locations that are not mine nor did I work in those places. There are companies like 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 Toyota Finance XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX that have been using my old name that has not been used by me since I got married over 18 years ago. The individual or individuals that are using my information to try to open different accounts seem to be from California since those are addresses that I see under my credit report. They are using places that I've never heard of for work, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and different addresses as well. These are just to name a few of the companies and things being done as a pretense to be me.
Consumer complaint received 2024-02-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

I had a Care Credit account through Synchrony Bank. I not only paid regualrly and on time, but made payments over and above the monthly amount. I had a balance of XXXX  in XX/XX/2023. When I received my statement the balnce was XXXX I called and asked about it and was told it was a late charge. I asked how can there be a late charge if I made payments that would cover several months. Apparently they failed to credit my account with the extra I was paying. At any rate, I included a note with my XXXX payment, " Full and Final Payment ''. My check was cashed, yet I received yet another statement with an additional {XXXX added I called as was treated quite disrespectfully, and they disregarded the fact I clearly stated, " Full and Final Payment '' in XXXX. Now today, I received a statement with a balance of XXXX}, this must stop. I attempted to reslove this issue with the bank once again and was told there is nothing they can do. I need to know to what extent can I take my complaint?
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

On XX/XX/2018 I cosigned on a car for a family member in the amount of {$7600.00}. The monthly payment was set for {$660.00} at a fixed rate. Six ( 6 ) months later the person was able to get the loan transferred out of my name into their own name without a cosigner. I have since fought to get the original creditor to remove my name off of the file on my credit report. We have sent in proof the loan has been transferred and everything else that was requested without ay changes being made. The person has also provided them with a copy of their new loan which shows my name is not on the loan.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (VA)

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.

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 2024-04-06
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To provide context to the situation, I want to explain the circumstances that led to my opening the case with Banker over the Phone. On XX/XX/year>, I traveled to XXXX and returned on XX/XX/year>. Prior to my departure, I diligently set up autopayments for my credit cards. 
Unfortunately, for reasons unknown, the auto payment did not go through, and I did not receive any notifications during my travels. Upon my return, I promptly made manual payments and reinstated autopayments. Regrettably, due to the missed autopayment during my travels, my credit score suffered a significant drop from XXXX to the XXXX range.Throughout my banking history, I have maintained a strong financial record, consistently meeting all my financial obligations in a timely manner. The sudden and significant drop in my credit score has come as a surprise and is distressing, given its direct impact on my financial standing and opportunities.
Consumer complaint received 2024-04-06
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. (MD)

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 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (TX)

I am writing to express my concern regarding the unauthorized reporting of my personal information and that of my cosigner. I recently became aware that our information has been reported to my credit without our explicit consent. 


As you should be aware, The Privacy Act of 1974, as amended, specifically under 5 U.S.C. 552a, establishes a code of fair information practices governing the collection, maintenance, use, and dissemination of information about individuals maintained in systems of records by federal agencies. A system of records refers to a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

Additionally, our rights are protected under the Family Educational Rights and Privacy Act ( FERPA ), as outlined in 20 U.S. Code 1232g. This legislation ensures certain conditions for the availability of funds to educational agencies or institutions, and it guarantees individuals the right to inspect and review their education records. Any disclosure of these records without proper authorization is a violation of our privacy rights.

The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual.

( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; 20 U.S. Code 1232g - Family educational and privacy rights U.S. Code ( a ) Conditions for availability of funds to educational agencies or institutions ; inspection and review of education records ; specific information to be made available ; procedure for access to education records ; reasonableness of time for such access ; hearings ; written explanations by parents ; definitions
Consumer complaint received 2024-02-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (OH)

I received a security notification regarding an inquiry alert on my bank account. Upon looking into my account it was discovered that AMEX had retrieved my credit report and an AMEX credit card was fraudulently opened with my name and information on it. I Began receiving emails regarding the credit card that was issued, the email address to the card/account being updated, and a notification email that the card is in transit. I therefore contacted my bank, AMEX, and the 3 credit bureaus to freeze/secure my credit, report the fraudulent activity, and open an investigation. AMEX was unable to give me more information although they did say they were able to lock and cancel the fraudulent account. Although I reported the fraud account/card I continued to receive AMEX emails regarding activity from the account.
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-06
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: Experian Information Solutions Inc. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$44.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported XX/XX/XXXX Reference # XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$270.00} XXXX XXXX Original Creditor XXXX  XXXX Balance Owed : {$370.00} XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Discharged Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXXXXXX Balance Owed : {$0.00} 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 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 2024-02-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MI)

I was adding XXXX XXXX using Venmo 's XXXX account link and XXXX is my account too. After I get through the XXXX app and verify my accounts and link my bank. Venmo says They are suspending my accounts. XXXX could be fraudulent activities, and with doing so seizing all my money. I have no money to pay bills. I have no money to eati called. XXXX customer service 3 times the XXXX XXXX times the guy that people hung up to me. Maybe I used the wrong words but they knew I was not happy and they didn't care. They hung up and then a team member or team associate emailed me and said they need further investigation. After I have already turned in my driver 's license picture my personal picture and a copy of my or actually the picture of my XXXX XXXX card. This isn't the first time Venmo has done this to me. And created a pretty big financial hardship the first time.