davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (MI)

CREDIT ACCEPTENCE HAS STOLLEN FROM ME AND MY HUSBAND. 
They are 100 % aware of the fraud that accused suring our sale. They CONTINUE to force me to sue one person after another. They are next : ) As they continue to allow my truck to sit in the shop. they continue to force us to pay for a loan for goods and products we NEVER received. The ignore and Lie in every response and feedback they proved. Stating they have talked to me. They have NOT a single time. They contimiue to charge me XXXX a month for gods I did not get that are not in my possession and have not been for now 18 or 19 months!!!!!!!!!!!

I AM PERSONALLY GOING TO SUE YOU. I WONT SETTLE OUT OF COURT LIKE EVERYONE ELSE BECUAE IM GOING TO RUN MY MOUTH FROM OJNE END OF THE COUNRTY TO ANOTHER. IM GOING TO CONTINUE TO CALL THE XXXX XXXX AND SEE MY XXXX XXXX XXXX XXXX XXXX  GIVES HER A CALL NEXT WEEK. YOU ALL ARE THEIVES. YOUR CONTRACT STATES I AM OWED MONEY FOR DENIAL OF USE OF THE WRRANTY AND FOR EVERY DAY YOU CONTINUE TO DENY ME USE AND CHARGE ME!!!!! SEE YOU IN COURT AND YOU WILL SEE ME IN COURT. YOU WONT SE ME IN ARBIRTRATION. AS YOU FAILED TO FOLLOW YOUR CONTRACT AGREEMENTS NO COURT WILL MAKE ME GO TO ARBITRATION AND I HAVE A LEGAL RIGHT TO A TRAIL AND A JURY TRAIL YOU CAN TRY WHATEVER GAMES YOU WANT. PLAYED THIS GAME ONCE NOW MOVING ONTO YOU!
Consumer complaint received 2018-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION (TX)

I submitted check # XXXX  from XXXX XXXX to BBVA Compass made out for {$1500.00} for the payment of my mortgage. This check was cashed by BBVA on XX/XX/XXXX for {$500.00}. I noticed the error on XX/XX/XXXX and contacted XXXX. They saw the check image and submitted an additional {$1000.00} to BBVA Compass to correct the transaction. I later received notification from BBVA compass that my mortgage was overdue. BBVA had not posted the additional {$1000.00} to my account and processed the {$500.00} payment as curtailment instead of a partial payment. I contacted BBVA on XX/XX/XXXX to have this issue corrected and they were unable to find the additional {$1000.00} transaction. I was told that I needed to contact XXXX   and have them send a copy of the voided check or transaction for the {$1000.00}. I contacted XXXX  ( case # XXXX ) and they provided me with the reference number ( XXXX ) and stated that BBVA was required to find the money since it had already been processed and finalized. I contacted BBVA again and was told that they would research and call me back ( reference # XXXX  ). I had to contact BBVA multiple times asking for the status only to be told after the third time that the research request was never created and I needed to send in a copy of my bank statement showing the {$1000.00}. I sent this on two separate occasions. Once on XX/XX/XXXX to XXXX, and again on XXXX XXXX XXXX to XXXX this last time with a new reference number ( XXXX ) and was told it would be resolved within 10 business days. I finally called again on XX/XX/XXXX and was informed that they never received the bank statement and didn't have a record of my issues dating back farther than XX/XX/XXXX. This has resulted in late fees being applied to my account, the accrual of additional compound interest on the {$1000.00}, loss of at least 15 hours as I had to fight this error, and loss of trust in the financial institution of BBVA Compass.
Consumer complaint received 2022-10-18
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)

In accordance with the Fair Credit Reporting Act. 15 USC 1681 i ( a ) ( 1 ) ( A ), Can you reinvestigagte the completeness and accuracy of the following accounts below : XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX  # XXXX
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is my third endeavor 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. 
Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

This is my second time reaching out to these Credit reporting agencies about these unknown inquiries that I have found on my credit reports, as well as collections that I am not responsible for, nor do I have contracts with these companies listed. My information was sold and bought illegally because I am a victim of XXXX data breach. I want these items deleted off my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has deleted these accounts due to my information being sold from their data breach. Please help me delete these negative accounts on my credit reports that have been removed from my other credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not contact these companies for the following dates that have been listed with XXXX XXXX which shows when only one account was open for them, nor do I have accounts for the other companies. I am attaching the proof of data being breached through black web and data breach from XXXX. All Credit Reports By Law List The Same Accounts For All Reports To Accurate And If and When Something Is Proven To Be False or Inaccurate and Removed From one Credit Report All Other Reports Should Do The Same.
Consumer complaint received 2023-11-10
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. (WA)

I am trying to resolve an issue that has been ongoing for years. 
There are XXXX XXXX XXXX secured credit accounts that have been appearing on all 3 of my credit reports for years now. I reached out to XXXX  many times without getting anywhere. 
Ive never had any secured cards with XXXX. 
Every time I call the numbers provided I get a different answer with no resolution to the problem. 
Its been so frustrating. I can not even speak to a live representative half the time without having a card number, I do not have a card number so I just get stuck talking to an automotive system for hours sometimes. 

The representatives are over seas. So when you do finally get ahold of someone, they do not understand your problem or they transfer you back to the main menu before youre able to explain how you just were there Any time Im lucky, I get the representative live on the phone, they say they are unable to find any secured card with my information. 
I explain theres something there because its effecting my credit score in a very negative way and its on my credit report, one of the account say they were open XX/XX/XXXX And the other says it was opened XX/XX/XXXX. Thats the only information provided other than its XXXX XXXX and its for two secured credit cards. 
Please help get this off my report. Its haunting it for years. No one seems to understand that on their end. 

When the representatives said they couldnt see anything or provide info I feel so helpless. 
I need these two accounts taken off of my credit reports, Please. 
Ive been fighting XXXX XXXX for many years now. Its preventing me from making life purchases. 
One account says {$99.00} and the other says {$98.00}. Such tiny amounts. Why are they on my credit profile. 
Delete delete delete!
Consumer complaint received 2022-10-18
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. (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. 

Account : XXXX # XXXX Account : XXXXXXXX XXXX XXXXXXXX # XXXX Account : XXXX # XXXX Account : XXXXXXXX XXXX XXXXXXXX # XXXX Account : XXXX XXXX # XXXX Account ; # XXXX XXXX # XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 USC 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 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION ()

I received no statements from USAA from XXXX - XX/XX/. They did send me past due notices. I called the company and no one knew why this was happening. I began sending letters to the CEO asking what was going on ( copies available on request ) There was only a form letter response. When a statement did arrive it included late fees and penalties. I wrote again and again only received a form letter. Finally, I filed a complaint with you. They responded to you. However, their response does not take into account the eight months without any communication from them. All they needed to do was answer my initial letter with an explanation and an apology. 
This could have been settled in XXXX. Instead it went on and on with me owing more every month even though I haven't used my card at all this year. USAA has stonewalled me, shown a lack of training among its representatives and dismissed my attempts to find out why they were adding to my bill as if they were unimportant. Their inability to communicate meant that they kept adding fees without any reason, even after I reached out to them. Oh, by the way, they wouldn't let me into the website because the automated system wasn't programmed to send a text to non-US numbers. This disaster is their fault and they need to fix it.
Consumer complaint received 2022-10-18
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. (MI)

I am experiencing problems with lender XXXX XXXX # XXXX. This company has been reporting information on my consumers report that is in violation of my rights and has caused an substantial amount of damages to me and my business. I have contacted this company via telephone and mail concerning this matter, still no response. 15 U.S Code 6802 states ; a financial institution may not disclose nonpublic personal information to nonaffiliated third party companies. Also, 15 U.S Code 1681 states ; there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy.
Consumer complaint received 2022-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Comerica (MI)

Tried to open an account with XXXX XXXXXXXX XXXX When a background report was performed, I received a notice stating there was an account ( e.g. not determined as to what type of account ) that was opened with Comerica Bank and the amount owed was for {$1200.00}. I went to the Comerica bank across the street from XXXX XXXX in XXXX to discover there was only an account in my son 's name ( e.g. custodial account ). I did have two custodial accounts for both of my children ( e.g. savings account only, no credit card or checking accounts ) .The location on the document does not exist ( e.g. Comerica Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ). I went to XXXX Police Department- was advised to contact a XXXX police station to file identity theft based on the address. At the XXXX Police XXXX XXXX precinct was advised that the address on the paperwork for Comerica does not exist in XXXX, Michigan. I was given the address for Comerica Bank in XXXX ( XXXX. Comerica Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX ). This address does exist in XXXX. I went to the police station 2 miles away from the location XXXX XXXX, MI and was advised they can not take the police report go to the XXXX police station because this address is in XXXX. I am getting no where with trying to obtain a police report for identity theft. I have contacted the company and they have began an investigation but it can take up to 30 days. Local Comerica branches do not have any information on me except for the custodial accounts. There is no phone number to contact someone at Comerica Bank. I was given a compliance hotline. I did not contact them.
Consumer complaint received 2023-07-04
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: Prosper Marketplace, Inc. (NJ)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding an unauthorized hard inquiry on my credit report. Upon reviewing my credit report, I discovered an inquiry made by XXXX on XX/XX/ 2021, which I have no knowledge or authorization of. This inquiry has negatively impacted my credit standing and violated my rights as a consumer. 

The unauthorized hard inquiry by XXXX  has raised serious concerns about the integrity of my personal credit information. I firmly believe that this inquiry is a violation of the following laws and regulations that protect consumers in such situations : Fair Credit Reporting Act ( FCRA ) - Section 1681b : This law governs the permissible purposes for obtaining and using consumer credit information. It stipulates that a creditor must have a legitimate business need and proper authorization to access a consumer 's credit report. The unauthorized inquiry by XXXX violates this provision. 
Fair and Accurate Credit Transactions Act ( FACTA ) - Section 604 : This act provides consumers with the right to dispute inaccurate information on their credit reports. As the unauthorized hard inquiry is both inaccurate and unauthorized, it falls within the purview of this law. 
Consumer Financial Protection Act ( XXXX ) - Section 1031 : This law empowers the Consumer Financial Protection Bureau to take action against entities that engage in unfair, deceptive, or abusive acts or practices. The unauthorized hard inquiry conducted by XXXX is a clear violation of this provision.
Consumer complaint received 2023-08-10
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 checked again 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 items ( A ). It is not permitted to report these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX 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 2018-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

as of XX/XX/2018 my nelnet total balance was {$4000.00} with " standard '' repayment option and {$120.00} of payment scheduled on XX/XX/2018. XX/XX/2018 I received an email from nelnet notifying that there is balance adjustment. I logged into my nelnet account on XX/XX/2018 and I found my balance as {$4700.00} with " pay as you earn '' repayment. my interest rate for my accounts are 4.25 % and 3.15 % and i feel like nelnet made balance and repayment option change to earn extra money.
Consumer complaint received 2023-08-10
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. (TX)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-18
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. (MI)

I am experiencing problems with lender XXXX XXXX  # XXXX. This company has been reporting information on my consumers report that is in violation of my rights and has caused an substantial amount of damages to me and my business. I have contacted this company via telephone and mail concerning this matter, still no response. 15 U.S Code 6802 states ; a financial institution may not disclose nonpublic personal information to nonaffiliated third party companies. Also, 15 U.S Code 1681 states ; there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy.
Consumer complaint received 2023-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CT)

I am a XXXX  currently. I will be until XXXX, XXXX which is when I graduate. Currently studentaid.gov shows I have an " Unsubsidized Loan - XXXX University '' with a " SCHEDULED REPAYMENT START DATE - XX/XX/XXXX ''. How can this be? After waiting 41 minutes on hold to speak to somebody at Student Aid, I was transferred over to Aidvantage at their XXXX number. It's been over 57 minutes now and nobody is picking it up. This is a complete waste of my time and shows a lack of respect for students.
Consumer complaint received 2022-11-25
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: Experian Information Solutions Inc. (GA)

In accordance to fair credit reporting act the following accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC168. 
XXXX account # XXXX XXXX XXXX Account # XXXX 15 U.S.C. 1681 section A. states that I have a right to privacy 15U.S.C 1681 section 604A section 2 States a consumer reporting agency can not furnishing account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) secret also States no consumer reporting agency may make any consumer report containing any of the following forms of information. Any adverse item or information other than records of convictions of crimes which antdates the report by more than 7 years.

15 USC 1681s2 a1 A person shall not furnish any information relating to a consumer to any consumer reporting agency if a person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023, I was a victim of identity theft. My Bank of America Debit Card was obtained by cybercriminals using the XXXX XXXX website. They then created a XXXX XXXX XXXX  account in which they purchased over {$2000.00} in gift cards to XXXX XXXX XXXX using the Mileage Plus X platform. I contacted Bank of America 's fraud department to notify them of this crime, and then contacted XXXX, who said that their fraud department would follow up in a few days. Happy to provide all information as needed as the notifications for the account sign up and purchases were sent to my email address. I have filed a police report with my local police department and have filed a report with the FTC as well, both attached.