davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (KS)

XX/XX/XXXX I went to XXXX XXXX XXXX and purchased a new XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX with a sale paid XXXX per the window sticker. I had a Trade-In of a XXXX XXXX XXXX XXXX XXXX XXXX that had a loan with XXXX XXXX XXXX the amount of XXXX. I was to gross Trade-In allowance of XXXX. Which was give me XXXX for a down payment. What the dealership did was charged the amount of the vehicle to XXXX when I had not agreed to the amount was to be XXXX. The loan was with Honda Financial Services on a 60 month term at an apr of 5.9 % monthly payments XXXX. I was never given any paperwork just a USB flash drive. I call the dealership on XX/XX/XXXX after talking to Honda Financial Services and told the salesman, sales manager, finance about the amounts was not right plus the dealership add an extended warranty with XXXX in the amount of XXXX and gap insurance in the amount of XXXX. I told the XXXX XXXX and the dealership that I did need or want to have the XXXX warranty or the gap insurance. I have Gap insurance with my insurance company. Plus the XXXX Warranty runs at the sametime as my Manufacturer Warranty so I would never be able to use. XXXX XXXX dealership had me full out paperwork to cancel the XXXX and XXXX insurance on XX/XX/XXXX but never Process the paperwork. I was sold a new vehicle for XXXX but the The way the dealership presents papers is on a desk that's a computer screen they have you signed the papers and before you can even read them and than thry disappear. Now I went to the dealership after having the new vehicle one week. I talked to the dealership was told all if this was a mistake and they would fix it due to the amount of the vehicles price with keyed in wrong. Nothing has been done and today in XX/XX/XXXX. I sold the vehicle of XX/XX/XXXX. No vehicle can be sold at a new automotive dealership upside-down or be sold fir amount that is not Fair marker value. 
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Consumer complaint received 2024-04-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, down below I'm going to include the arbitration agreement we have
Consumer complaint received 2022-09-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made.

I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-19
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (GA)

I have requested under FCRA 611a5A verification of this debt owed, furthermore, I have the right to dispute inaccurate information. I assets that I have never given XXXX consent to furnish or obtain my information. Therefore any reporting by XXXX is done without my consent and is in a violations of my rights under 15 USC 1681.
Consumer complaint received 2023-09-29
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (IN)

I originally had a my best buy store card with an {$8000.00} credit limit which had never missed a payment on. I had a balance of just under {$2000.00} but with promotions which made it 0 % APR for 12 months. On XX/XX/XXXX I got my mail and received a letter from Best Buy stating that they have upgraded my store card to a XXXX  card and that they would transfer all my balances over to it. I never authorized this change and never wanted an upgraded card. On the same day, XX/XX/XXXX I called the customer service line on the back of my original store card ( XXXX ) and asked why they changed my card without my permission. They said they they sent me mail in XXXX asking to me to either authorize this change or opt-out, but I never received said mail. I asked to speak to a supervisor about this because the original customer service representative told me that it was past the point of return and I would have to stick to the new XXXX  card. After speaking with the supervisor he ensured me that the card could indeed be reverted to my original store card and that nothing would change, including the card numbers from my original card. On XX/XX/XXXX I called again to ask for an update on the changes because I received a new statement from Best Buy stating that my card was still a XXXX  card, still never one I agreed to have. After speaking with a representative again and getting the same speech of it not being reverted, I asked for a supervisor. When I was transferred they told me that they have no record of me ever having called them about the issue and I was stuck with the new card whether I liked it or not. ( How could they not know I called if I literally received emails after that call to review the service? ) I asked to speak to a different manager, and they told me my only option was to pay off the balance in full, close the card, and re-apply for the store card again. 

They forced me to pay off a promotional balance with a 0 % APR and close the card. Then they told me that if I wanted my original card, I would have to reapply, which would mean a hit to my credit score. 

How can credit card companies force their customers to pay off a balance with a promotional APR in full just so I don't get the 0 % interest benefit for the year??
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

The Fair Credit Reporting Act USC 1681 Section 602 ( a ) states " There is a need to insure credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the consumer. Which under this act I have the right to make sure that my information remains private and isn't shared. But it seems that my rights are being violated due to the collections I see on my consumer report. Pursuant to 15 USC 1681b " Any consumer reporting agency may furnish a consumer report under the following circumstances and no other, ( 2 ) In accordance with written instructions of the consumer to whom it relates. I in fact DID NOT give consent to have anything added to my consumer report which is a direct violation of the Fair Credit Reporting Act. This is also considered identity theft according to 12 CFR 1022.3 subpart A ( h ) " Identity theft means fraud committed or attempted using the identifying information of another person without authority. " Again I gave no written consent at all for this action to take place which is against the law. XXXX and XXXX do not gave my consent to furnish this information and for certain do not have my written consent. All consent to XXXX and XXXX whether it is verbal, non-verbal, written, implied or otherwise is revoked. Also according to 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 several years. '' These accounts are adverse items they are reporting as I said before without my permission which is against the law. 15 USC 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining the proper procedures. And, 12 CFR 1016.7 States that " A consumer may excercise the right to opt out at anytime. '' I am opting out of your reporting services. The following accounts are below :
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc. (NY)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under Act 15 U.S.C. 1681 Section 602 states " I have the right to privacy ''. 15 U.S.C. 1681 Section 604a Section 2 also states " a consumer reporting agency can not furnish an account without my written instructions ''. Under 15 U.S.C. 1666B " a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Consumer complaint received 2023-04-16
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. (CA)

I have an account on my credit file that is reporting wrong information. This account was closed and paid off. The account is not past due and is having a negative impact on my credit score. The account information is as follows : XXXX XXXX XXXX XXXX Account number : XXXX Please update or delete this information immediately. Thank you.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

I spoke to experian multiple times telling them that XXXX XXXX  has been using my information without my authorization, which is identity theft. I have no account with XXXXXXXX XXXX  or card. I spoke to XXXX and they told me that their " machines '' made errors and they were correcting them, they continue to report false balances to Experian, and Experian has not acknowledged that I have called and reported what XXXX is doing as identity theft of which it is,.
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

On XX/XX/XXXX, I received a message from Nelnet stating the following : " As you requested, we applied or updated an Income-Driven Repayment Plan for your qualifying student loans. 
Account : XXXX Dear XXXX, Were reaching out to you because : 1. Your qualifying federal student loans have been placed on an income-driven repayment ( IDR ) plan as you requested, or 2. The U.S. Department of Education has directed Nelnet to recalculate your monthly payment amount because your current IDR plan has been changed to the new Saving on a Valuable Education ( SAVE ) IDR plan. The SAVE Plan replaces the existing Revised Pay As You Earn ( REPAYE ) plan. 
Your New Payment Amount and Due Date Your monthly payment amount for your qualifying loans will be {$240.00} For up to 12 months Beginning on XX/XX/XXXX '' ___________________________ As of today, when trying to set up automatic payments from a direct deposit ( to receive the interest rate decrease ), my payment is listed as {$1600.00}. I have no ability to modify this payment, and therefore can't set up an automatic payment. Because of this, I am unable to receive the interest rate decrease benefit. Additionally, Nelnet is indicating that I have no payment due until XX/XX/XXXX. 

I have contacted Nelnet multiple times and have waited on hold for close to 18 hours over 4 calls. No representative can tell me why this is occurring or if it will be fixed. No escalation has occurred, no changes have been made, and their customer service is utterly and completely unhelpful.. 

So, I am stuck making manual payments and distributing the payments by hand across my 11 loans to pay for the interest across each and the principal on higher interest rate loans. And, I am doing this without receiving any benefit from the interest rate decrease. I would like to pay my loans off and this servicer is incapable of allowing me to do this.
Consumer complaint received 2024-04-19
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: AMERICAN EXPRESS COMPANY (VA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-04-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MO)

On ( XX/XX//2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-13
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. (FL)

FCRA VIOLATIONS WAS NEVER LATE XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$290000.00} XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3400.00} Status Open. 
NOT MY XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX type XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident XXXX XXXX family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX GA XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Resident type Single family XXXX XXXX CT XXXX XXXX, FL XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident XXXX XXXX family XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typ NOT MY PHONE NUMBERS ( XXXX XXXX XXXX XXXX ( XXXX ) XXXX NOT MT NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX CARD
Consumer complaint received 2023-06-15
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-11-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc. (MD)

I remitted payment to this company a year ago by mail. I sent certified mail to the address listed. that mailing correspondence was returned but not to me or the return address on the envelope. those documents bear my restricted signature and legal tender for the credit of this account. if they do not accept for deposit my legal tender or return it back then they are in violation. they are reporting on my credit profile information that I have disputed with them overhear ago, to which they have not marked this account under dispute during that time period which still continues.
Consumer complaint received 2023-09-30
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (PA)

This company did NOT honor my request for removal. Additionally, as a financial institution, they did not disclose to me my right to opt out of the disclosure of my nonpublic information or directions on how to exercise my right to opt out as dictated by law. I sent them a letter notifying them of my request to be opted out of my nonpublic information being furnished to consumer reporting agencies pursuant to 15 U.S. Code 6802 and 16 CFR 313.7 in which they have denied my right. Instead, they stated that they do not offer their customers the option to opt out which is a direct violation of federal law ( s ) as they are REQUIRED to give opt out disclosures. As a federally protected consumer I am now revoking any and all authorization that I, the consumer, may have given them written, non written, verbal, and nonverbal per 5 U.S. Code 552a and I am demanding that my nonpublic information cease to be furnished. If this matter does not get settled, I will pursue litigation for damages.
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A. (OR)

I've been a PNC customer for many, many years. When I contacted them on Tuesday, XX/XX/2023, to report a breach of my credit card, it was clear that I was speaking with an " off-shore '' customer service department. When I could not understand the foreign service rep, I asked to speak to a native English speaker. The person seemed flustered and did not comply. I called a second time and was hung up on. When I called the third time, I had to guess what the rep was telling me. This represents a troubling downgrade in customer service at PNC. Worse yet, PNC seems to make it extremely difficult to contact their corporate offices. 

PNC is tone-deaf if they don't address this problem. Trying to cut costs by off-shoring their customer service is prompting me to look elsewhere for banking services.