davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (FL)

Credit Acceptance lied on several occassions 1 ) Stated dealer would cover repairs XX/XX/18 phone call 2 ) Not mechanical issue and wear and tear my problem even though car sold in such poor condition and unsafe. 

3 ) I never contacted them see response XX/XX/18 by credit Acceptance and my attached phone log. 

4 ) Lied in second response on when diagnostics received and requested and asked I send via a unsecured network. XXXX email address provided and diagnostics sent. Was told after sending that network not secure. 

5 ) Car would not have purchased if a warranty wasnt provided and again warranty had no pre exsisting clauses and implying I had knowledge of issues is also untrue. Dealer agreement with Credit Acceptance reguarding implied warranty being overlooked by Credit Acceptance for this case. Is online to see. 

6 ) Last response lied and all capabilities to get information on account status, payoff suspended right after submitting a false respone that is available and current. 

7 ) Calling Customer Service and they refuse to answer any questions requarding account and said will only send letters. 

8 ) Stated polies and procedures to prevent high mark ups in place but failed to state what and provide system uses to have prevented. Link attached 9 ) Contract never provided and on camera at dealership 10 ) Company retaliation, harrassment for fililing 11 ) States Credit reporring correct and no proff and XXXX XXXX isnt accurate? It is updated in seconds and very accurate. Still mis reporting credit balnces and major increases and decreases prior to any payments. Refusal to update recent payments or discuss.
Consumer complaint received 2022-11-26
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. (LA)

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 2024-04-30
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

In XXXX XXXX XXXX XXXXXX/XX/XXXX, I requested an additional XXXX XXXX card for my husband 's use. In early XXXX, my son contacted me about a package that he was expecting and I informed him that I had not received it yet. After tracking the package online, I discovered that it had been stolen from my mailbox. I reached out to the individual whom this item was shipped from to let them know what had occurred. They agreed to replace it as long as I would make an additional purchase. I have this conversation saved. What I did not realize at the time was not only had the package been stolen but the XXXX card that I had requested was also stolen. On XX/XX/XXXX, I received a text message from XXXX XXXX  Citi Fraud asking me if I was attempting a purchase of {$320.00} at a store location in XXXXXXXX XXXX. I replied " No '' and then logged into my XXXX account immediately after the text. That was when I discovered that there had been multiple purchases on my husband 's stolen XXXX card. The first charge of {$250.00} occurred on XX/XX/XXXX followed by two additional charges of {$110.00} and {$270.00} both on XX/XX/XXXX. All of these charges occurred in the XXXX area and I do not live anywhere close to XXXX. It appears that even after I had replied to the text that the {$320.00} was fraudulent, XXXX XXXX Citi still expects me to pay for the charge. I contacted their fraud department right away and the representative that I spoke with was very difficult for me to understand. I did understand that she kept trying to tell me that my account was opened fraudulently. I repeatedly told her that was not the case and the charges on my card were due to a stolen card. After telling her numerous times that the account activity was from a stolen card, she submitted the case as a fraudulently opened account. I did not realize this at the time. I only found out about that once I received their decision on my case in a letter. It stated that due to my remitted payments from a valid account and receiving benefits from the disputed charges I am responsible for the fraudulent charges! I will gladly pay for what I am responsible for but I will not pay for fraudulent charges totaling {$970.00}. Once I read the letter, I called them once again. As soon as the rep was on the line and I could not understand her due to her thick XXXX  I requested a supervisor that I could understand. I spoke with XXXX on XX/XX/XXXX and he seemed to understand exactly what the issue was and proclaimed that he would help me. It is now XX/XX/XXXX. I have not heard back from anyone and the interest charges keep growing on the unpaid balance on my XXXX XXXX
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: CARRINGTON MORTGAGE SERVICES, LLC (FL)

As of XX/XX/23 Carrington mortgage has failed to respond to my request and has falsely reported the account as past due and overdue delinquent for 30 days. Fax sent to XXXX for removal of fraudulent late reporting. This account was on forbearance thru XXXX XXXX and payments were satisfied XXXX XXXX. This company is in violation of 15 U.S. Code 1681- Congressional findings and statement of purpose intends to use the information in connection ( a ) with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; Violation of my rights of extended credit due to the misrepresentation and false accusations of a fraudulent late payment.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am writing to inform you that the information contained in my File Disclosure report is inaccurate. I kindly request for the immediate removal of the following three inaccurate reports from XXXX : Contributor : USAA Contribution Ref XXXX XXXX XXXX Contributor : USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I urge you to take prompt action to rectify this error and ensure that my consumer report accurately reflects my financial history. Your assistance in resolving this matter would be greatly appreciated. I did not abuse my accounts.
Consumer complaint received 2023-11-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Scott Fetzer Financial Group Inc. (VA)

In XX/XX/2020, XXXX, vacuum cleaning company visited our house for product demonstration. The product was great when it was presented to us. The product was quoted for around {$2200.00}. I agreed to get XXXX and was offered for 24 months installment with their financial services and was advised of the payment. The XXXX agent told me that I must talk to them first, so i did. Beside the conversation over the phone, i didnt get document to at least read, they did not disclose all the information that the loan amount was for $ XXXX i am definitely, sure and i am positive that if this is the loan amount for vacuum then i will not get it, truly unacceptable. We are just an ordinary family, making salary just right and enough to pay bills and food, the main reason why we agreed to buy is to help my kids with their XXXX, but i was so surprised when i called today to check the payment history as I was expecting that i only have XXXX month left and im paid off. XXXX and United Consumer Financial are not disclosing all the information we need as a consumer and I badly need your assistance. They are not true to their clients and i dont want other people to suffer like what i am having right now. 

Sincerely.
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (GA)

I have been waiting months, after reporting fraudulent accounts on my consumer report to Experian, to have this information blocked and investigation properly. I have sent everything that was required by me, I have sent federal trade commission identity report, showing that I have reported to authorities that my information been compromised and used to open unauthorized fraud accounts. Ive also sent In police report documents to follow up with the dispute. Experian has yet to follow the fair credit reporting act to remove or block this information after I provided authority reports and my proof of my identification. I have suffered do this to this situation and explained to them that I am depending on experian to properly investigate and remove items.
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I complete a 0 % promo balance transfer with 3 % fee about a year ago. On my last statement I was changed my annual credit card fee of {$99.00} on XX/XX/. 14 days later, my statement closed, and I was charged interest on this fee, which the bank claims is a purchase. My complaint is that I think banks should not be allowed to charge interest on annual fees since they are not technically customer purchases, They have the discretion to charge this fee anytime of the billing period, so technically they could devise a corrupt plan to always charge the fee at the beginning of the customers billing statement to maximize interest for that month so even if a customer pays more than the minimum payment to cover the fee, they still get at least one month of interest, Banks can apply payments to purchases before the balance transfer or vice versa, so allowing this opens opportunity for devious banks to manage this in their interests. Also, my statement shows {$0.00} in purchases and a separate line for fees. If they see fees as a different line item, then it should be treated that way. Finally, the average balance interest is charged to is also confusing and does not match my fee amount.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit 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
Consumer complaint received 2024-04-30
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Personal Cash Loans of SC, Inc. (GA)

Last year my friend XXXX XXXX took out a loan last year with Kinsmith loan company, XXXX XXXX  She got behind and they are calling her everyday along with calling me and our job which is getting beyond harassment!!
Consumer complaint received 2023-03-13
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: Experian Information Solutions Inc. (GA)

On XXXX XX/XX/XXXX, I submitted a complaint due to improper use of my credit report by XXXX, Experian, and XXXX. Today is XXXX XX/XX/XXXX and I have not received anything in regards to the fraudulent items being removed from my credit report. After submitting identitytheft.gov affidavit more than 3 times- I still have no response. I have requested to receive validation made pursuant to the Fair Debt Collection Practices Act ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation. Please also be aware that the negative marks found on my credit reports ( including Experian, XXXX, and XXXX ). As a victim of identity theft, the credit bureaus have continued to defame my name, provide negligent enablement of Identity Fraud and violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Tracking number sent Certified Mail Receipt from XXXX XXXX XXXX Experian XXXX XXXX XXXX The credit bureaus stated my accounts were investigated but how is it possible when the open dates are inaccurate, the last active is inaccurate, the date last reported is incorrect. This is grounds for removal as well as my rights being violated under 15 USC 1681 section 602 A : I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : a consumer reporting agency can not furnish an account without my written instructions. As well as taking more than 30 days to respond from my initial request for validation. This identity theft has resulted in loss of funds and lending.
Consumer complaint received 2023-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was the victim of an extortion and blackmail scam where the hacker was using pictures of me and my family to get money from me. I had no choice but to send the remaining {$260.00} in my account to this person. This saved me and my family a lot of trouble. I am filing this claim the morning after and have called Bank of America in which they can not dispute the charge and get the money back into my account. I have never had any problems like this and this is ridiculous I had no choice but to send the money. I have provided photos of what has happened.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (IL)

I did not give any permissible purpose for anyone to run my credit. I am wanting those inquiries to be delete it immediately. Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX. Inquiry name : XXXX Inquiry date : XX/XX/XXXX.
Consumer complaint received 2023-11-15
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'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 and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-15
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. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-14
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account 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 account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (MI)

My Name Is XXXX XXXX I open account with HUNTINGTON BANK and everything was okay. Until I filed a DISPUTE WITH THIS Company on XX/XX/2024 I reported UNAUTHORIZED TRANSACTIONS the next two days XX/XX/2024 MY ACCOUNT IS HEADING FOR CLOSER!! I called multiple times I ask why would my account close this BANK Have Give No reason but Fraud this Bank has Racially Profiled Me To Be Accused Of Fraud. I Have Been nothing but true to this BANK. I attend school and receive deposits. Im saving money for my babies FUTURE and this is what this bank has done to made me feel little. Every XXXX XXXX  ARE NOT COMMITTING FRAUD!! HUNTINGTON BANK not been compassionate at all. I cant get answer to why this is happening.
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

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 accounts needs to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$8.00} XXXX XXXX Balance : {$35.00} XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$51000.00} XXXX XXXX XXXX XXXX XXXX : {$5700.00} XXXX XXXXXXXX Balance : {$2200.00}
Consumer complaint received 2023-03-14
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. (CA)

Upon reviewing my updates, the incorrect information was found in my reports which I believe has been taken care of due to the written appeals I sent. The action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : : {$0.00}
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (CA)

Hello I have seen inquiries in my credit report that I do not recognize I did not give my permission to those lenders to run my credit All those inquiries not belong to any existing product I have. 

Under the federal law I have the right to ask for deletion Inquiries appears on my XXXX credit report XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. Nowcom west lake financ XX/XX/XXXX XXXX. Nowcom west lake financ XX/XX/XXXX
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (WA)

Someone tried to open a credit card in my name with Barclays Bank. I called Barclays and let them know it was not me. They said they would close the account and recommended I also file a case with the FTC.
Consumer complaint received 2024-04-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY (MA)

On XX/XX/XXXX I submitted a claim for purchase protection for losing some items in XX/XX/XXXX. I submitted all requested documentation, but American Express never responded to any of my claims. Claim Number XXXX. 

Earlier this year, I submitted an additional request, but was not provided any update, nor reason for denial.