davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I recently financed a car with credit acceptance Corp and I believe that I also was lead into a misleading loan. I am paying XXXX percent, {$420.00} a month for a used XXXX  XXXX XXXX that at the time had XXXX miles. When I tried to buy it at the dealership I remember it saying XXXX. I had put down XXXX and I still have to pay XXXX for XXXX  years. After reading they are being sued in NY by deceptive loans, I believe I was wronged as well. And want my story heard as well. My loan is XXXX  months, and the interest has made the car over XXXX dollars. I have already paid for XXXX months and the loan hasnt even gone down to XXXX which is apparently the cost of the car afterwards when I signed. I did not have great credit at the time so I believed that maybe the price changed for me alone because of that. Understood the interest because of my credit but could not understand how I could put down XXXX still pay XXXX and for XXXX  years. And how a car that is XXXX blue book value of XXXX XXXX ended up being XXXX and I will be stuck with this loan for a long time. I also believed the mileage had played a part in the cost but the price did change after I initiated buying it. I am able to afford it yet is taking way too much of my income. at the time I did not pay rent or bills and now that I do I worry about not being able to afford my car. I always thought this loan was confusing but I do also feel like as a first time buyer I was mislead. And that I just took their word that my credit was so bad. But it seems like my Loan has barely gone down even though I continue to pay XXXX each month. I would like to be reached out to in regards to this loan and lawsuit as I believe Im another case against them. I was not sure who to contact but I am looking into contacting the NY attorneys who brought this lawsuit to light. XXXX XXXX can reach out to me but I will probably not take their word as they do not seem like a good company and have been sued before. Im sure they will just try to tell me this is right even though I feel its wrong and I would like someone else to reevaluate the loan.
Consumer complaint received 2023-05-02
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. (IL)

There is a bankruptcy reporting on my credit file and XXXX XXXX XXXX XXXX is listed as the furnisher. That information is inaccurate as the bankruptcy court does not verify or validate information.
Consumer complaint received 2022-11-28
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-01-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (OH)

I initially went through XXXX to purchase currency and my transaction was denied 4 days after I submitted it. I called TD and they stated it is an issue with XXXX, but Ive since read that TD has been blocking virtual crypto currency. I just tried to start a transaction on the site XXXX and was denied again stating TD Bank is blocking you from enabling external transactions. This seems like theyre telling me I cant spend my money how I choose to.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I have a student loan from XXXX and I have never missed a payment. However on XXXX, XXXX and XXXX of 2022 it shows up on my credit report that I missed a payment for these three months. This is inaccurate and I even just got off the phone from XXXX and was informed in their system that I have never missed a payment. This error on my credit report is hindering me from buying a home.
Consumer complaint received 2022-11-28
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)

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 filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

. I purchased 2 vehicles using a finance charge transaction, and under 15 USC 1605, the finance charge is the sum of all payments, meaning there can be no late payments. However, the credit bureaus continue to report late payments on my credit report, which is a violation of the law.

I kindly request the CFPB to take appropriate action and delete the accounts below, as they should not be on my credit report Pursuant to 15 USC 1692a ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report, No consent is IDENTITY THEFT. Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor.

Furthermore, according to the FCRA, any information that is inaccurate must be deleted.
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC (MI)

I am writing to inform you that I am represented by legal counsel regarding the debt collection matter involving the above-referenced account. Please direct all further communication regarding this debt to my attorney at XXXX. 

It has come to my attention that your company has engaged in illegal and harassing practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g. Your repeated calls, often without proper identification, have constituted harassment and have infringed upon my constitutional rights. Furthermore, my information has been registered on the Do Not Call Registry, and your continued calls have violated that regulation as well.

I have previously requested a debt validation letter, which you have failed to provide. As such, I am reiterating my request and demanding the following information : A detailed history of payments made on the alleged account by me. 
A copy of my wet signature on a contract guaranteeing payment to the creditor. 
Any and all insurance claims filed on this debt. 
Proof of chain of title to collect on this debt. 
Your failure to provide the requested information has caused me financial harm and has negatively impacted my creditworthiness, resulting in denial for future lending opportunities. Therefore, I am demanding {$2000.00} to compensate for the violation and financial harm caused by this invalid debt. 

Please provide the requested information and compensation within 7 days of receipt of this letter to avoid further legal action.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (SC)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with AFFIRM INC for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 
The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc. (GA)

Account for a XXXX XXXX with carmax amount of {$21000.00} is supposed to be closed. The account was paid on the first car note but car was return due to electrical issues that Carmax couldnt fix. So that XXXX has been paid on time and was only supposed to be reported on my credit one time and I proved that it was paid with them because they asked me to send bank statements ( as CARMAX STATED THEY HAVENT RECEIVE PAYMENT ). I had to run my credit again for the car I have with carmax now ( XXXX ) and they received car title for vehicle ( XXXX ) on XX/XX/XXXX meaning that account is not supposed to report to my credit report anymore and should be closed. Carmax didnt call or authorize with me to put late payments for a closed account on my credit report. They keep marking my report late and that I owe another car note payment which I dont because they bought the car back from me.This account needs to be remove immediately as it harming my ability to obtain credit and a house due to this error.
Consumer complaint received 2022-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (OK)

I bank with Chime in XXXX my debit card was taken by my XXXX XXXX I had made a police report who had taken it. Once I got it back which XXXX was withdrawed from my account. That was suppose to be my rent money. I spoke to Chime Customer service and so they closed the debit card and issued a new card. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reported it to Chime on XXXX XXXX which I had given them the police report number. The detective from XXXX had called me and was wanting to know when Chime was issuing the XXXX into my account. I spoke to Chime they said it would take a XXXX  before they would put it back to my account. Then I called a XXXX XXXX he wouldn't let me talk to a XXXX because he told me that the case was closed. So I never got no refund back.
Consumer complaint received 2024-04-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO. (FL)

On XX/XX/year> I made the payment of {$900.00} to Ford Credit with the reference to Payment # XXXX, the late company to collect the payment at my bank and my account was hacked and my bank closed my account and I didn't know Ford Credit hadn't collected until the next month and that's why I was reported a late payment of more than 30 days to my credit report, sent proof of the bank what had happened to Ford Credict and they didn't want to withdraw the financial report
Consumer complaint received 2023-07-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (TN)

I bought the XXXX XXXX XXXX from US Auto Sales which went bankrupt and sold their accounts to Westlake Portfolio. My vehicle was repossessed and I paid the repossession amount of {$2000.00} on Monday XX/XX/XXXX. I was told by Westlake it takes 24-48 hours for the release. They still have not released my vehicle. Also US Auto Sales overcharged me on the vehicle and they did not inform me that they were going bankrupt and the account would be sold
Consumer complaint received 2020-12-18
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. (CA)

I saw my Transunion credit report and saw multiple credit inquiries that I did not Authorize. I contacted Transunion and they are not deleting those inquiries. 
Also I have reached out to them in the past to advise them that my name listed on my credit file has no Middle initial.
Consumer complaint received 2023-03-04
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. (MO)

This is my several request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was with Country Wide home loan and was caught up in the way they were misleading me about the mortgage. They way they set it up l had to try and get them to refinance and didnt understand the way they structured the loan. Now that in older the way the mortgage is structured Im unable to get a reverse mortgage.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp. (FL)

XXXX : ** XX/XX/2024 XXXXTo Whom It May Concern : ** I am writing to file a formal complaint against Relay Financial and XXXX XXXX on behalf of XXXX XXXX XXXX XXXX, regarding the egregious mishandling of our financial accounts and the subsequent disruption of our business operations. 

On Friday, XX/XX/2024, late afternoon, we received a concerning communication from Relay Financial, the front-facing company utilizing XXXX XXXX XXXX services in the background. Relay Financial requested information about a specific inbound wire transfer of {$30000.00} that XXXX XXXX, XXXX had received on XX/XX/2024. In compliance with their request, we promptly provided all signed documents and promissory notes related to this transaction. However, instead of facilitating a smooth process, Relay Financial chose to freeze all our accounts, leaving us incommunicado and financially stranded throughout the weekend. 

Their initial communication, as cited, vaguely referenced routine compliance reviews, ostensibly aimed at upholding security values. Yet, their actions caused severe disruptions to our business, hindering our ability to operate efficiently. Despite our immediate compliance and cooperation, the situation escalated further on Monday morning, with Relay Financial persisting in their demands for additional documentation, seemingly without regard for the significant inconvenience they were causing. 

Throughout our email interactions, we diligently complied with each request, providing all necessary documents within our means. However, Relay Financial 's demands continued unabated. Despite repeated requests for a phone call to resolve the matter expeditiously, they chose to communicate solely via email, prolonging the resolution process unnecessarily. 

Furthermore, the lack of transparency in Relay Financial 's handling of the situation is deeply concerning. Despite our cooperation and submission of extensive documentation, they failed to provide clear explanations for their actions. Instead, their inquiries became increasingly intrusive, demanding communication emails with our clients and detailed explanations of our business model. 

XXXX XXXX, XXXX operates as a legitimate Private Money Lender, facilitating real estate lending deals. Our interactions with Relay Financial were intended to be routine and compliant with all legal and regulatory requirements. However, their actions have caused undue hardship and financial losses to our business, which we can not tolerate. 

We demand immediate resolution of this matter, including the unfreezing of our accounts and a formal apology for the disruption caused. Additionally, we seek assurances that such arbitrary actions will not be repeated in the future, and that Relay Financial will adopt more transparent and accountable practices in their dealings with clients. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-06-17
Product: Credit 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: BARCLAYS BANK DELAWARE (OH)

On XX/XX/year> I had purchased an excursion package from XXXX XXXX XXXX for XX/XX/year>, in the amount of {$210.00}, that day. However, the water excursion in XXXX was cancelled due to weather restriction. I had requested for a refund, but Barclays has not refunded me for the cancelled excursion. I also inquired about a charge of {$84.00} from the merchant ( XXXX XXXX ) on the same day XX/XX/year> I had not received any proof of purchase regarding this transaction nor signature to verify the item.
Consumer complaint received 2022-11-21
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. (KS)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.