davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-11
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Credit Acceptance has attempted to collect this alleged debt from me since I entered into a contract with them on XX/XX/XXXX. I participated in a consumer credit transaction and not a loan Pursuant to 15 U.S CODE 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by Credit Acceptance. I am not terminating the contract, I am deducting my liability to pay on behalf of the obligor as I found several violations of fraud. According to the contract, I wasn't aware of my right to rescind at the time. I entered into the contract without being given full disclosure and disputed the validity of this debt when I mailed a letter of conditional acceptance on XX/XX/XXXX. In this letter, I agreed to pay the debt if within 15 days, I was sent the following from Credit Acceptance : confirmation of the debt, production of the account and a general ledger statement, a signed invoice to verify their claim against me, a copy of the contract binding both myself and Credit Acceptance ( not a photocopy ), a statement acknowledging whether they are the holder or servicer in due course, a declaration acknowledging whether they sold my note as part of a pooling and servicing agreement ( securitization ), and if securitized, the name of the REMIC to whom my loan was sold and the CUSIP number assigned to my loan after it was securitized. I have reason to believe Credit Acceptance willfully and knowingly took advantage of me and my consumer credit. In addition, I was given false and deceptive information, as I was told that a down payment was needed in order to drive off of the lot which is a violation of 15 USC 1692e. I have included the letter I sent to Credit Acceptance as well as the contract I signed with Credit AcceptanceXXXX XXXX
Consumer complaint received 2023-03-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Credit Card account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-06-02
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. (MA)

I am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Despite my initial communication, Equifax has not responded, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report is as follows : Equifax is reporting an account under the name XXXX, XXXX the account number XXXX, Date Opened : XX/XX/XXXX, XXXX : {$0.00}. However, this account does not belong to me, and I request that Equifax removes it from my credit report. 

Equifax has included an account attributed to XXXX XXXX XXXX  with the account number XXXX, Date Opened : XX/XX/XXXX, High Credit : {$360.00}. I want to clarify that this account does not belong to me, and I request its removal from my credit report. 

Equifax has listed an account under the name XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, High Credit : {$560.00}. However, I have no association with this account, and I request that Equifax removes it from my credit report. 


Equifax has included an account attributed to XXXX, XXXX the account number XXXX, Date Opened : XX/XX/XXXX, High Credit : {$1700.00}. I want to clarify that this account does not belong to me, and I request its removal from my credit report. 


Equifax has reported a late payment for the account XXXX XXXX XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, Balance : {$330000.00}. I want to clarify that this account was never late, and I request that Equifax removes the late payment notation. 

Equifax has reported inaccurate information for the account XXXX XXXX, with the account number XXXX, Date Opened : XX/XX/XXXX, XXXX : {$16000.00}. Specifically, the account was never late, contrary to Equifax 's report. I request that Equifax corrects and updates this inaccurate information on my credit report.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

The information reported is improper, without consent, inaccurate and incomplete which may be considered false, fraudulent and misleading information Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account XXXX XXXX XXXXXXXX, Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX # XXXX, and Account XXXX XXXX XXXXXXXX, 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 an 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 XXXX 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.

The information reported is also inaccurate and incomplete information which may be consistent with false reporting and fraud.
Consumer complaint received 2023-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Credit Card account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (NY)

I pay my mortgage each month through my banks bill pay service. My payments are made on time, consistently, every month by the first or second although I have a grace period that allows me to pay my bill by the XXXX without a late penalty. Despite this, I have been charged a late fee for the second time in less than six months. Since the previous time when this happened, I arranged to have my bill paid two to three days early. So, for instance, for the payment due XX/XX/2023, I set up bill pay to make the payment on XX/XX/2023. Three days early! So, when I received a bill for XX/XX/2023 showing my mortgage payment for XX/XX/XXXX had not been applied as of the statement date, XX/XX/2023 ( twenty-one days or three weeks after my mortgage payment had been posted by my bank ) I was not pleased. Again, this is the second time in less than six months. I have made my XX/XX/2023 payment via bill pay, which was set up to make the payment on XX/XX/2023 ( two days early ). 
I use my banks bill pay service for all my bills because it is convenient and dependable. I would like an explanation as to why my payments are not being applied in a timely fashion. I would also like the late charges to be reversed and assurances that I wont have to keep wondering each time I receive a bill whether I am going to be inaccurately charged a late fee, which negatively affects my credit rating.
Consumer complaint received 2018-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NC)

My name is XXXX XXXX XXXX my mother and grandmother purchased a home with my mother in XX/XX/XXXX my mother later died without having a will which I am also an only child. It was my understanding when I talked with my attorney that there could not be any loans on this house unless I myself signed off on the loans. In XX/XX/XXXX my grandmother was told by the same company and bank XXXX that she could put a Loan on the home which I still remained to have both her name and my mothers name on the deed to this house at XXXX XXXX  XXXX XXXX XXXX, NC XXXX. My grandmothers home was paid off in full at the time of my mothers passing. I am her only heir she was never married this loan was given and my grandmother and myself was taken advantage of One was given two loans with the same year of each other which she is unaware of the second loan all together. She has paid over {$200000.00} back for a loan her daughters death paid in full for. She had setup automatic draft payments to have this money taken out of her banking account and now Im being told on the maturity month she needs to have {$32000.00} more because she made the payments late. How would payments be made late if theyre being taken out on auto draft! Im very concerned not just for her which she is retired and have really been taken advantage of from the beginning. The loan was originally through with XXXX it has been transferred several times with the same checking account information they have drafted the money every month now that this loan last payment is transferred to bay view its been told she owes interest for having late payments I spoke with them last year about this loan and it was advised the last payment would be XX/XX/XXXX of this year. Loan number XXXX. Theres a home equity on the house the same thing occurred where my grandmother was told she didnt have to ask or get my permission on getting the loans it was hers my rights and her rights were violated. Another loan is with XXXX XXXX XXXX loan number XXXX.
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Continental Finance Company, LLC (NC)

Account appears on customers credit profile twice. I have reached out to both XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type XXXX XXXX XXXX Date Updated XX/XX/XXXX High Balance {$760.00} Original Creditor XXXX XXXX XXXX XXXX Past Due {$760.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR XXXX XXXX XXXX XXXX Account XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Sold ; was Charged-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$490.00} from XX/XX/XXXX to XX/XX/XXXX ; {$760.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$500.00} from XX/XX/XXXX to XX/XX/XXXX ; {$500.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX
Consumer complaint received 2018-10-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I have a lone through Navient this loan is a XXXX XXXX XXXX. The loan is over {$100000.00} Even though the loan is in my name my son pays it monthly. he can only afford to pay the very minimum which is {$680.00} monthly. He has been steadily paying for two years. The loan keeps going up. Last year in XX/XX/XXXX it was at {$100000.00}. Now it is up to the {$100000.00}. This is completely insane. The loan is now almost double what his actually education cost. At this rate he will never be able to pay it off. We are looking to resolve this. There needs to be a light at the end of the tunnel. In two years he has paid {$16000.00}. When my son signed applied for the school we were told we had to apply for a XXXX XXXX XXXX to assist with the cost of the school. I had know idea that it would be this costly. This is a racket. Please help.
Consumer complaint received 2023-05-23
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. (NY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2022-10-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (WI)

I am making two formal complaints against the Wells Fargo Installment Loans department 1. Inability to process my loan payoff 2. XXXX XXXX XXXX XXXX during the payoff processing Background : I winter in XXXX XXXX. XX/XX/2022 I was scheduled to fly to the XXXX for the winter season. XX/XX/2022, I went to XXXX XXXX XXXX XXXX and obtained a loan to pay my personal debts. XX/XX/2022. XXXX XXXX  cut a check to Wells Fargo for {$3700.00} to payoff and close my installment loan. It is now XX/XX/2022 and Wells Fargo has not been able to process the payoff due to their inability process ACH transactions. 

Note : I have filed a complaint directly with 'Wells Fargo XXXX XX/XX/2022 I have also filed a complaint with ADA .
Consumer complaint received 2024-03-05
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. (NJ)

I recently checked my credit reports and I found out billing errors. The XXXXnvolved Bureau clearly violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error )
Consumer complaint received 2023-09-01
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I was denied services by an airline company and reported the same to the credit card company and requested a refund.THey initially provided a response from the merchant and asked for my response.When I provided my response, they did bot resolve the request and are saying merchant is not willing to give the money, When I asked to share the response from the merchant, they are just ignoring and not responding
Consumer complaint received 2022-11-21
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. (NY)

I submitted letters to Transunion requesting their help to investigate and verify the account 's information and have it corrected to appear accurately on my Credit File. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need you to remove the late dates from this account ASAP : XXXX XXXX XXXX XXXX
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 — Public record information inaccurate
Company: MOHELA (AR)

The accounts with MOHELA that are parent plus loans were XXXX in federal court in 2009. The company refuses to follow the order by a federal judge to stop collecting or reporting after 10 years. I am asking them to be charged with a crime.
Consumer complaint received 2018-10-08
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: AMERICAN HONDA FINANCE CORP (NY)

I least a vehicle going back in XX/XX/XXXX They claim I had left a balance of {$550.00} and I requested documentations and I never received it I filed a dispute with XXXX XXXX and with Honda financial services to remove my derogatory Item on my credit report I requested document ations from them why they claim I owe them {$550.00} but with no success they never sent me out any documentation regarding that charge
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

I have no knowledge of this debt with Credit collection Services and this collection account is not mineXXXX.I mailed a letter to the collection agency via certified mail to inform them of my dispute of the debt on XX/XX/year>. On XX/XX/year> they mailed out a letter to me ( received it XX/XX/year> ) that in order tfor them to take further actions, they must received information about the dispute. In the original letter mailed to them, I included all my personal information including name, address, date of birth, account number and social security asking them to send me my wet signature, and all paperwork related to the claim that I owe {$490.00} to progressive. Then then reported to the credit bureaus on XX/XX/year> that I am deliquent again affecting my credit score significantley.
Consumer complaint received 2023-09-01
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. (TX)

EQUIFAX and XXXX I XXXX XXXX recently reviewed my credit report and I found unauthorized account on records etc., XXXX 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 XXXX XXXX XXXX. These are account I want DELETED AN ARE UNAUTHORIZED Has no permissible use and are not accounts that I have had relationships with an are reporting on my credit file without my consent.. 
XXXX XXXX XXXX XXXX account # XXXX Attorney General child support account # XXXX XXXX XXXX XXXX  account # xxxx # # XXXX XXXX XXXX account # XXXX Hard inquiries.. 
XXXX XX/XX/XXXX XXXX. XX/XX/XXXX2 XXXX XXXX XXXX XXXX XXXX Are all unauthorized an have no Permissible use. 
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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person, has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

.

I can go on and on please validate an delete at once