davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (FL)

In XXXX I bought a car that was financed through credit acceptance. The car was a XXXX at the end of the agreement a XXXX dollar car cost XXXX. They did not check for employment, and they knew that the chances of default was very high. I defaulted on payments and they repossessed the car. Loan amount at that time was XXXX dollars. They sold the car and the debt remained XXXX. They took out a judgement using hyatt hyatt and landua in XXXX Florida. Even after paying XXXX to XXXX XXXX and XXXX  they are garnishing my checks for a total of over XXXX. I have asked for receipts on where I have made payments and they refuse to give them to me. When I asked about the jusgement they said i only owed XXXX but told the judge it XXXX. Something needs to be done about this company and how they work
Consumer complaint received 2023-08-11
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. (NJ)

Ive reached out to XXXX XXXX XXXX XXXX ( Account # XXXX on many occasions, and to know avail nothing was done, This XXXX XXXX account is still on my credit report as closed and not off my credit report. 
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 U.S.C. 1681 This company has violated my rights 15 U.S.C. 1681 section 602 A,, States I have the right to privacy, 15 U.S.C. 1681 sex in 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 reports containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates The report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is incorrect, XXXX XXXX XXXX XXXX  the company above added on insurance that was illegal on their behalf. Yes, they fix the problem closed out the account and called themselves taking it off my credit report but it shows closed but still on my credit report since 2015 when it should be off.
Consumer complaint received 2023-09-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (NC)

XXXX  account on my credit that I did not give permission to furnish on my credit report. 15 usc 1681 a2 of customer laws states " I HAVE TO GET WRITTEN TO HAVE THE ACCOUNT FURISHED ON MY REPORT. which I did not
Consumer complaint received 2024-04-26
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (AZ)

Chase sent me a mailer promotion in XX/XX/XXXX, which stated a {$900.00} bonus deposit for opening both a checkings account with a direct deposit added and a savings account with a {$15000.00} deposit within 90 days of coupon enrollment. It states a bonus of {$300.00} for the checkings account, {$200.00} for the savings account and an extra {$400.00} for opening both and meeting all criteria, for a total of {$900.00}. 

I received the mailer in XX/XX/XXXX, signed up and opened both accounts at same time ( XX/XX/XXXX ) online with the same code ( code on mailer ) for both accounts. Opened these online at same time. 

I linked my direct deposit and the first direct deposit to this new checkings account entered on XX/XX/XXXX. The {$15000.00} to savings entered the savings account on XX/XX/XXXX. 

On XX/XX/XXXX I received the {$300.00} for checkings and the {$200.00} for the savings but never received the extra {$400.00}. The first time I called Chase, they said this is still in process and all I need is to wait. 

Patiently waited a week, then called again. Rep was very rude and said nothing she can do. She said I didnt meet criteria. 

Called a week after that and was escalated. Case was opened and Id get a call back with an answer. 
Week later, no call. I call them back and rep says the waitlist is long and could take up to 2 weeks to get that call back from escalation team.

2 weeks?! Sounds terrible but what can I do at this point. So I wait. Couple days after that, its XX/XX/XXXX at this point, I get a call and the rep is checking my account. Says I apparently used 2 different codes when I opened these accounts at the bank. First off, I opened both online, at the same time, with same code. I get put on hold. 

She comes back and says I didnt meet the criteria for the additional {$400.00}. As far as I can tell, and Ive read the fine print, its the same criteria for the {$300.00} savings bonus as it is for the extra {$400.00}. So if I got the {$300.00}, I should get the {$400.00}. This explanation has no backing or they missed adding info in their mailer if thats the case. 

Lastly she says that the promo code I used was not for the {$900.00} bonus, but only for the {$300.00} and {$200.00}. She said the {$900.00} bonus was not implemented until XX/XX/XXXX. Thats also incorrect. I kept the original mailer for this very reason. It clearly states a {$900.00} bonus. 

Chase has offered to give me the additional {$400.00} bonus if I keep the funds in account for an additional 90 days. That is not an acceptable solution. Ive learned my lesson working with Chase and its not been positive.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have been trying to reason with XXXX credit about my credit reporting, every time someone looks at my credit all other credit bureaus take 5 maybe 10 points off, XXXX XXXX XXXX points the minimum, I'm no understanding WHY??? I have called try to explain multiple times now since i made them mad they just took XXXX points and i was told because i Purchase a house and have a Morgage. REALLY???? I WAS TOLD TOO BAD BY THIS LADY XXXX XXXX XXXX, JUST BECAUSE I HAVE A MORGAGE NOW I NEED TO BE PUNISH, NOPE DONT THINK SO First of all this is not a government entity and there for no they should not have my information don't care that someone invented to mess up with people 's life 's. NOT A GOVERMENT ENTITY
Consumer complaint received 2024-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (IL)

This company claims I owe them the amount of {$4000.00}. I have NEVER signed any contracts or had any communications with this company. This is all invalid and inaccurate and most importantly FALSE information. This is also illegally being reported on my consumer report which is causing damage to my consumer report and causing immense stress, depression, XXXX, and damage to my family and I. These inaccurate FALSE accounts on my consumer report is violating my consumer rights. As a consumer I have the Right to Privacy and I have the right to receive validation of this FALSE debt that is reporting on my consumer report. I DO NOT owe anything or have not signed any contracts and/or agreements with the company of Calvary Portfolio Services . I have consistently and constantly reached out to this company requesting Debt Validation, as well as demanding all inaccurate and FALSE information is removed from my consumer report however I have not received any remedy. My next step is involving the Attorney General as well as legal action.
Consumer complaint received 2017-03-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is a collections account on my transunion credit report that contains incorrect information. I am disputing the XXXX XXXX XXXX ( " XXXX '' ) collections account on my credit report as it contains incorrect information. XXXX has illegally reported incorrect information on my credit report in retaliation for filing a complaint agains them. The XXXX collections account on my credit report needs to be removed immediately as it is incorrect.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (GA)

ATTN : XXXX, XXXX, XXXX, INNOVIS RE : Debt Validation Required XX/XX/2024 To Whom It May Concern, I am requesting debt validation for items listed on my Credit report as " Derogatory '' and in " Collections '' Item in Question : XXXX XXXX Amount : {$2900.00} Account status : Derogatory Remarks : Collection Account Account information disputed by consumer, meets FCRA requirements DISPUTE : NOT LIABLE Obtain and provide a copy of a wet signature on a contract or document that holds me responsible for this alleged debt along with the identification documents used to validate this debt liability. 
Send this information to my address listed in the CFPB filing and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report completely. 
It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the address in this filing. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Central Portfolio Control Inc. (CO)

Central Portfolio Control is reporting an erroneous item on my XXXX credit report for a collection of {$2600.00}. I have no knowledge of this item and I have never heard of this entity, or received any communications from them. No other CRB reports this item.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

All of the inquiries listed in the attached identity theft report and bellow are all fraudulent. 

Fraudulent Equifax Inquiries XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2023-08-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I never gave written consent for any debt collector to report on my consumer report. Congress never defines credit report yet Im being denied my credit because of a credit report number. Let me correct that. Title 15 U.S.C. 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.Title 15 1691 Scope of Prohibition ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. The consumer has an open ended credit plan but due to information on my consumer report that I never gave consent to report it seems my credit is blocked. They have been misleading the public by calling themselves bureaus when they are nothing more than agencies.
Consumer complaint received 2022-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

( DISPUTE CODE - XXXX  ) ( DISPUTE CODE - XXXX ) My personal information was stolen and used for fraudulent activities in XXXX since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed : XXXX XXXX XX/XX/XXXX-TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX-TransUnion XXXX XXXX XX/XX/XXXX-TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 handwritten instructions. 
15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

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. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-11
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
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. (FL)

The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be deleted ( A ). I will take legal action against you if you do not delete these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
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. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX a handful of charges were made to my credit card account. 
{$370.00} {$240.00} {$67.00} {$16.00} {$15.00} {$33.00} {$4.00} {$21.00} All of which took place in XXXX, Florida and two in XXXX. I live in XXXX but I did not make any of these transactions and was in a meeting during the time of these transactions. When alerted by my bank, I acted quickly. I told the representative my card was still in my possession and I was physically holding it. She said the chip had been used to make the transactions and was baffled, as was I. She informed me to shred the card and she would issue me a new one and reverse the charges. The charges were reversed but reappeared in my account yesterday. The bank denied my fraud dispute because " the chip was used '' and did not contact me to inform me the fraud was denied nor did they do a proper investigation as they would see I can't be in two states at once. My XXXX location history shows I have not left Illinois in many months and I live alone and nobody has access to my physical card. You will see in the attached images my credit card was paid off prior to these transactions.