davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I trust this message finds you well. My purpose in writing to you today is to bring attention to a matter of significant concern regarding the contractual agreement associated with my recent vehicle purchase from XXXX XXXX, an affiliate dealership of Credit Acceptance. 

On XX/XX/XXXX, I entered into a financing arrangement for a XXXX XXXX XXXX, with XXXX miles on the odometer. While I understand that financing comes with associated costs, it has come to my attention that I may have fallen victim to what is commonly referred to as " payment packing. '' The disclosed cash price for the vehicle, an exorbitant {$11000.00}, raises serious questions about the transparency and fairness of the transaction. My independent research indicates that the market value of the XXXX XXXX XXXX, with similar mileage, is considerably lower than the amount I was charged. 

Upon inquiring about purchasing the vehicle outright with cash, I was informed that the cash price would be higher but not to the extent reflected in the contract. This lack of clarity and transparency is deeply troubling. 

The itemization in the amount financed on the contract further reveals inconsistencies. It shows that XXXX XXXX sold me the vehicle through Credit Acceptance for {$10000.00}, while the service contract or warranty indicates that the car was sold for {$10000.00}. This discrepancy in the recorded sale price contributes to a sense of confusion and reinforces concerns about the accuracy of the information provided.

These discrepancies, coupled with the apparent inflation of the vehicle 's cash price, align with concerns raised in the case filed by the New York Attorney General and the Consumer Financial Protection Bureau ( CFPB ) against Credit Acceptance. As a consumer, I believe these actions may be in violation of the Consumer Financial Protection Act ( CFPA ). 

According to 12 U.S.C. 5536 ( a ) of the CFPA, it is considered a violation for any covered person or service provider to engage in any unfair, deceptive, or abusive act or practice. I am reaching out with the hope that we can address and rectify these concerns promptly and amicably.

I kindly request a thorough review of the discrepancies mentioned and a transparent explanation of the pricing structure associated with my purchase. Additionally, I am open to discussions aimed at reaching a fair resolution that aligns with consumer protection laws.

Your prompt attention to this matter is highly appreciated, and I look forward to your timely response.
Consumer complaint received 2022-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One walked me through an application and assured me I was getting an intro rate card with better terms. They had the same card on the website and it was confusing which venture one card I was applying for. Called customer service when I applied, they ensured I would get promotional no apr and more XXXX mileage on venture one.
Consumer complaint received 2022-01-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MI)

It's been 121 days and no response from the credit bureau. The letter is attached of what I sent. 

Also, I was denied a home loan because no records can not be located with the account numbers that is being reported. 

XXXX XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account # XXXX
Consumer complaint received 2022-01-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Lincoln Educational Services Corporation (NJ)

I have a received a bill for {$320.00} in 2021. When I graduated from Lincoln Tech they told me everything was taken care of until I received this bill. It hasnt even been one year and I was put in collections. I was even paying little just to not get put into collections. I dont understand how you can put a student loan in collections just for a few months and now it has hurt my credit score. I need this to be out of collections.
Consumer complaint received 2021-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION (IL)

On XX/XX/XXXX and XX/XX/XXXX I transferred 3 wire and ACH bank transfers into my Regions bank checking account from 2 different external bank accounts. Regions only gave me 1 out of 3 transfers : 1 was for XXXX $ a wire-this was received. 
1 was for XXXX $ an ACH transfer- which takes 1 day- never received 1 was for XXXX $ an ACH transfer- which takes 1 day- never received. 

The bank did not handle the disbursed funds as instructed as they were never received. 
I wasnt the XXXX $ they NOW owe me.
Consumer complaint received 2021-07-31
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. (TX)

I am disputing inquiries from Transunion on my personal credit report that I did not recognize. 
Please find the following : Notice of recent dispute to Transunion under the FCRA. 
Copies of items I am disputing and do not recognize. 
Notice of identity theft report/ notice. 
Cooy if my identification
Consumer complaint received 2021-07-31
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

T

here's 4 collections on my XXXX  Credit Report from Portfolio Recovery Associates I requested proof of those 4 accounts none was sent. I filed an FTC report and the collections were removed and deleted from my XXXX  credit bureau however XXXX  is still showing them on my credit bureau I need them to be deleted as they're fraudulent accounts.
Consumer complaint received 2021-07-31
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: Bread Financial Holdings, Inc. (TX)

HELLO CFPB, IN XXXX I GOT A VICTORIA SECRET CARD AND IN XXXX IT WAS COMPRISE SO THEY SEND ME A NEW CARD WHICH I NEVER GOT. AS OF TODAY I STILL HAVE THE OLD CARD. VS TOLD ME TO THROW IT AWAY BUT I STILL HAVE IT. THE OTHER DAY I TRY TO USE IT FOR {$40.00} AND THE LADY AT THE VS STORE SAID IT WAS BEING DENY. NO TRANSACTION AT ALL. NOW ON ON MY CREDIT REPORT VS HAS REPORTED ME {$40.00} PAST DUE AND I HAVE NO CLUE WHAT THAT IS ABOUT AT ALL. 

OLD CARD # XXXX NEW CARD # N/A
Consumer complaint received 2021-07-31
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: CITIBANK, N.A. (NY)

Nine charges to my credit card are fraudulent. The company ( Citibank ) has not removed them, and meanwhile has billed me, with interest. The charges are being " investigated, '' but whether that's true or not, I have no idea. I've talked to their customer service, but that's worthless. I have not been in California in three decades, the card has always been in my possession, and no one else is authorized to use it. Card is locked presently, and the account will probably be closed by me when this is resolved. 

The charges : XX/XX/XXXX XXXX XXXX  XXXX CA {$10.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$30.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$95.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$27.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$31.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$62.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$76.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$80.00} XX/XX/XXXX XXXX XXXX  XXXX CA {$46.00}
Consumer complaint received 2021-07-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Altitude Community Law P.C. (CO)

I can only assume this is from Altitude Law they have left messages taped to my door at my home. The last one received stated will send a sheriff to deliver instead.
Consumer complaint received 2017-08-01
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. (CA)

According to the NCAP ( National Consumer Assistance Plan ) reporting guidelines implemented by TransUnion, XXXX and XXXX : Beginning XXXX XXXX, 2017 public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name, ( 2 ) Address, and ( 3 ) Social Security Number and/or date of birth and Minimum frequency of courthouse visits to obtain newly filed and updated public records of at least every 90 days. " ... civil judgments and approximately half of tax liens are not expected to satisfy the enhanced standards and will no longer be reported. These changes will be applied to the CRAs consumer reporting databases in XXXX 2017. Modifications will be visible on credit reports soon after. '' I contacted TransUnion, XXXX, and XXXX on XXXX XXXX, 2017 to have a lien removed from my credit report as it did not meet the minimum reporting requirements as outlined above in the NCAP. My request was refused.
Consumer complaint received 2021-07-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (TX)

The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; Have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 791 I may presume that no proof of the alleged debt nor therefore if any such debt in fact exists. 
The is invalid, inaccurate, not timely and carry no documented evidence per FCRA laws and are damaging to me character, reputation and well-being by falsely stating this non-complaint unverifiable account on my consumer report. Past this point, CFPB will have authenticated sworn testimony from my end which I will gladly present in court as evidence if need be of me trying to rectify the subterfuge that you are reporting.
Consumer complaint received 2021-07-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fairway Independent Mortgage Corporation (ID)

My Laon Modification was approved XX/XX/2020 and was given 3 trial period payments. I made all three payments on time and my modification paperwork was filled out and notarized and immediately returned to fairway. I was told that all paperwork was received and that they were just waiting on the underwriter to approve. This was all in XXXX and I was informed that this process will take 30 days. It is now over the 30 days and I have been receiving weekly calls from my single point of contact XXXX. Every call from XXXX has been the same, informing me that there is no update and they are still waiting for the underwriter to approve. Fairway has had all of the approved information for months now and I am concerned that they are holding off the approval and waiting for interest rates to increase so that I will not switch lenders after the modification is approved and final. Please help.
Consumer complaint received 2023-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

Received email from Citi informing me debit card had been removed from XXXX XXXX, requested I call if I had not initiated transaction. Called number on email, no information provided after several minutes, provided another number ( incorrect ). Reached out to their fraud department ( was transferred twice ), and after nearly 60 minutes on the phone no one could provide any details. Still dont know if my card was compromised and clearly neither do they. Potential fraud on my card, no answer and no information provided. Service below par is an understatement. Had to block my card as Im unsure of what is compromised at this point, generating multiple payment issues with automatic payment set-ups.
Consumer complaint received 2021-07-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lending Club Corp (CO)

I have not been able to access my account to make payments or change payment information. I have contacted the company several times with a promise the technical support would call me to fix the problem. I have never received a call from technical support. This is not an issue with my password or user name. This is a technical problem with their website. Once I log in, the account link reroutes to a page to apply for a loan instead of to my existing account. 
Most recent phone call to have this issue fixed : XX/XX/2021 at XXXX
Consumer complaint received 2021-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

In XX/XX/XXXX, my husband paid off our USAA Visa card. It showed a XXXX balance and we have not used the card since. We were in the process of applying for a cashout refinance XX/XX/XXXX, to pay off the rest of our debt and to get me much needed medical help for my severe, chronic back issues and were denied. They've begun showing a XXXX balance on the account and reported it as a late pay to the credit bureaus. Then, they refused to look into it until I filed out a form on their site ( is been so long I don't have the login anymore ). I finally figured out how to get in and dispute the reporting. I paid the XXXX charge to make it go away. But it's XXXX that I have to wait 30 days for them to remove it from my credit report when I haven't used the card in over a year and wasn't even aware that we were billed for it until I was denied.
Consumer complaint received 2024-03-19
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)

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 XXXX : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 2024-03-19
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: EQUIFAX, INC. (MI)

XX/XX/XXXX I sent Equifax a letter as a rebuttal to the inaccuracies on my credit report in reference to the XXXX XXXX Account ( # XXXX ). I sent a letter detailing the errors. I sent a marked up credit report that showed information that was wrong. Equifax told me that the account was verified and did nothing ( attachments ). 

I also sent a letter to XXXX XXXX to get a print out of my account and to request an opt-out option, so the debt would not report to my credit report. 

In return XXXX XXXX denied my request to opt out, but they did include the printout of my account. As I previously disputed with Equifax to send me the " source '' of verified information. They did nothing. 

Attached, please review my accurate account information that came directly from the lien holder. 

The discrepencies are as follows : On XX/XX/XXXX a payment of {$480.00} was made. It is not recorded on my report On XX/XX/XXXX a payment of {$460.00} was made. It is not recorded on my report. 
On XX/XX/XXXX a payment of {$460.00} was made. It is not recorded on my report. 
On XX/XX/XXXX a payment of {$460.00} was made. It is not recorded on my report. 
On XX/XX/XXXX a payment of {$460.00} was made. It is not recorded on my report. 
On XX/XX/XXXX a payment of {$500.00} was made. It was not recorded on my report. 
On XX/XX/XXXX a payment of {$500.00} was made. It was not recorded on my report. 
On XX/XX/XXXX a payment of {$320.00} was made. It was not recorded on my report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded o ofn my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
On XX/XX/XXXX a payment of {$460.00} was made. It's not recorded on my credit report. 
Payment reported on credit report in XX/XX/XXXX was recorded, but not made. 
Payment reported on credit report in XX/XX/XXXX was recorded, but not made. 
Payment reported on credit report in XX/XX/XXXX was recorded, but not made Payment reported on credit report in XXXX XXXX  was recorded, but not made. 
Payment reported on credit report in XX/XX/XXXX was recorded, but not made. 
Payment reported on credit report in XX/XX/XXXX was recorded, but not made. 
Payment reported on credit report in XX/XX/XXXX was recorded, but not made. 
Payment reported on credit report in XX/XX/XXXX was recorded, but not made. 

Past Due amount is incorrect. Report shows {>= $1,000,000} This is wrong.
Consumer complaint received 2021-07-31
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC (TX)

XX/XX/XXXX i leased a XXXX XXXX XXXX XXXX from jd byryder of XXXX XXXX i put a XXXX dollar down payment at this point i had no clue about financing the sales man XXXX XXXX was realy quick witted about the process and got me to sighn a lease of 45 months at a 26 % interest rate mind you blue book is less than XXXX XXXX part of the contract was insurance coverage for 3 months until i got my registration well i was one day late and the come to my home and put a letter in my windshield wiper about my payment so i paid the payment but i diddnt know they dropped my coverage and had my car up for repo due to no insurance even tho i just paid the paymemt they got the car back and 4 years later they have destroyed my credit a XXXX XXXX dollar car at the end of sighning turned out to be XXXX dollars XXXX was financed at a 26 % rate and is still on my credit they scammed me into that car i diddnt even get a choice on other vehicles it was that or nothin i should have chose nothing because thats what i have today is a XXXX dollar debt
Consumer complaint received 2021-07-31
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. (VA)

XXXX XXXX continues to bill me for services not rendered to me. A recent negative change in my credit report made my scores dropped and greatly impacted my ability to qualify for credit. 

If any XXXX XXXX were ever rendered, my health insurance would have covered and an EOB should have been issued based on the insurance contract agreement. 

That being said, XXXX, the collection agency has trespassed and incorrectly reported my account. This account is NOT mine and it is showing up as an active collection account.
Consumer complaint received 2021-07-31
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. (VA)

XXXX XXXX XXXX XXXX continues to incorrectly report history on credit reports. This time, XXXX is reporting mortgage payment late for the month of XX/XX/2020. The bill was paid through online bill-pay. The payment was made on XX/XX/2020, via electronic check. 

Upon checking my credit report, I was informed that due to late payments reported by XXXX my ability to qualify for credit was being impacted. The negative information is being reported on all credit bureaus.
Consumer complaint received 2021-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

Yea yeah, hackers don't exist. All in my head. Look, can you just tell them I need control of my textfree numbers XXXX & XXXX back immediately. Those are not my email addresses you seel linked to them in pics. They keep doing this. I spend so much time having to always change passwords on diff accounts and trying to remember but resetting them when I don't, it constantly takes away time I could use to do more productive things, like seure and retain employment. Nothing more to say other than to stop getting into my accounts already!
Consumer complaint received 2022-01-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (TX)

as of XX/XX/2021 and today i am being charged XXXX for a public storage unit that was passed off to a debt collector. at the store they clearly stated there would be no contract binding me to further chargers or other responsibility other than that of having none of my things by said date that was paid for.