davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a copy of my credit report and I have found the following items listed below to be in error. 

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I NEVER gave You, CREDIT ACCEPTANCE CORPORATION any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. The CREDIT ACCEPTANCE CORPORATION has caused severe stress and anxiety due to the abusive and unfair practices. 

You, CREDIT ACCEPTANCE CORPORATION, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 

These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

CREDIT ACCEPTANCE CORPORATION, Account XXXX XXXXXXXX I was never late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on this account please update the account as Paid/Current. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that! am or have been late. 

It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 

Best RegardsXXXX XXXX XXXX XXXX XXXX [ XXXX ] Without Prejudice, All Natural Inalienable Rights- Reserved
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

Dated on XX/XX/2022, I, XXXX XXXX, an federally protected consumer, will like to bring more clarity and to the attention to Discover Bank of the harm and extortion of extension of credit means by Discover Bank furnishing my non-public personal information and by it not being a Requirement youre doing this without my lawful authority As it mean to bring some statue harm to my financial reputation attempting to extort me by furnishing this information to the Consumer Reporting Agencies this now falls under 18 U.S. Code 894 - Collection of extensions of credit by extortionate means. Im fully aware The financial institution Discover Bank has failed to comply with The GrammLeachBliley Act and did not provide their customer, consumer with the appropriate forms and options to opt-out of furnishing my non-public personal information to 3rd parties according to The GrammLeachBliley Act. Discover Bank can be fined up to {$100000.00} ( Per violation ) according to The GrammLeachBliley Act. Im demanding Discover Bank to cease and desist the status of Charge-off and update to Paid As Agreed to all Credit Reporting Agencies and remove all negative information. 
I am aware of what a Charge-off is and what a Write-off is and Im aware of what a Finance Charge is. Discover Bank you will be double dipping if you continue to attempt to collect the alleged debt from me. ( Notice ) I refuse to pay the alleged debt. Im aware Discover Bank is not complying with the law and it will be very deceptive of Discover Bank if you continues to furnish my non-public personal information the way you are and you face serious violations and penalties. See 18 U.S. Code 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish ANY person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. Discover Bank you are facing serious penalties with your deceptive business practices and all legal actions necessary will be taken if you do not comply and correct all your errors. Thanks in advance for your timely cooperation. Best regards! XXXX XXXX, federally protected consumer!
Consumer complaint received 2017-07-13
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SECURITY FINANCE CORP (FL)

A few months ago I was looking a car so I could build my credit I looked on the internet and I found this place in  XXXX  where I have  to drive  to look at the car I wanted to buy they advertise that it would help me with my credit so I took the advantage and I bought the car from there thinking they will report it to their agency but since I have bought it they have not did  one  reported at all to any of the  XXXX  agencies Bureau. I have been paying for going on 6 months straight and they have not been reporting it at all and when it was time for me to pay off my car I call them and I spoke to them about it and they said they will update it as soon as possible they were having problems with a software I gave them weeks and weeks and they have not kept in touch they said they will report and update all the information but they have not done so I called them all the time and all they say is for me to wait I think it 's not fair for anyone to go through this I paid 6 months and also paid off the car and they still have not reported anything this is a scam Bank and they should pay for it now my credit is the same place and Have Not progress since I 'm missing every month I update for 6 months straight and a payoff which shall gave me at least a good  credit score  for me doing a wonderful job. So I traded the car and  XXXX  paid off the balance and because they were n't reported to the credit bureau my  credit score  interest was higher and they required more money down on the trade in, when I first did the deal with the bank I did a trade in and I also put {$4000.00} on top of it and they still ripped me off completely with paperworks, so this was a total loss for me and they are not making anything better to help the situation. I would like my initial down payment back if possible and have them report the correct information.
Consumer complaint received 2022-09-27
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. (TN)

My name is XXXX XXXX, I'm attaching the letters I sent you last XX/XX/2022, including a copy of my ID for identity verification. I just checked my credit report and I learned that the items I requested for your company have not yet been removed and their status on my has not yet been updated, you seem to be ignoring me like other people I talked with and it's been over a month now. The FCRA requires the credit bureaus to investigate and respond to the letter within 30 days so this is obviously another violation of my right as a consumer.
Consumer complaint received 2022-12-19
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXXXXXX 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  XX/XX/XXXX ;
Consumer complaint received 2022-12-19
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$820.00} XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ;
Consumer complaint received 2020-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I have sent letters in XXXX and XXXX regarding my disputes and now I have sent certified letters to each bureau XXXX XXXX, Experian and XXXX XXXX on XX/XX/2020 with the tracking numbers of XXXX, XXXX and XXXX requesting a reply and complaint. I also sent letters disputing my matter to XXXX  on XX/XX/2020 and XX/XX/2020 and haven't heard anything back.
Consumer complaint received 2024-04-01
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (CA)

I contested this debt as being partly and possibly entirely invalid on XXXX. 

I had multiple conversations with XXXX XXXXXXXX, the original holder of this debt. Two items on the bill are incorrect. The other two charges are debatable, but difficult to discuss because, despite multiple conversations with representatives of XXXX XXXXXXXX they refused to explain what the charges are for. They also refused to remove the incorrect items. 

The incorrect items add up to {$610.00} and are invalid. The items we need an explanation for are the Lease Responsibility Charge of and the Move Out Paint charge. 

Furthermore, there was no accounting of our security deposit on the original bill. 
This could have been handled quickly and fairly, but XXXX XXXXXXXX refused to communicate with me or respond to any of my requests for information or corrections. 

On XXXX, we were advised that they had filed a credit item on us, forcing us to make the payment or not be able to move into a new facility.
Consumer complaint received 2022-05-28
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: Experian Information Solutions Inc. (GA)

The credit reporting agency failed in completing an investigation for incorrect accounts on my credit report. They failed to do nothing and according to the FCRA inaccurate reporting on a credit report needs to be removed because its violating the FCRA laws.

FCRA section 807 violation. Misleading false reporting. Remove accounts immediately. This account is reporting a past due amount. I don't know what this is. Remove immediately. Late payments are being reported after the account was charged off. This is a FCRA violation and you can be fined upto {$1000.00}. Remove immediately.

In accordance with the Fair Credit Reporting act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Consumer complaint received 2024-04-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

Received email from Jefferson Capital Systems , LLC dated XX/XX/2024 at XXXX, advising of a debt that I do not owe. The email included fabricated and fraudulent information and dates. I have not had a relationship with the claimed vendor for at least 15 years, fact that if the claimed debt were valid, it would have surpassed any and all possible statute of limitations in the state of Florida. A dispute letter was mailed to the shown address shown on the email, Jefferson Capital Systems , LLC, XXXX XXXX XXXX XXXX, XXXX, MN XXXX, on XX/XX/2024, two weeks before the requested due date for a response, XX/XX/2024. The dispute letter was very specific in requesting any and all information, original dated invoices from the claimed vendor, transactions, payments, etc. that would clearly show and support the claimed owed amount. Follow-up phone contact was made on XXXX, even though the email did not have any telephone number to call and they reference their being contacted by phone, but no number. Laughable and so typical in this line of business. The call was made on or about XX/XX/XXXX or XXXX to advise of forthcoming letter. My call was met with outright aggression, derogatory comments about my person and insinuated threats as to the so-called consequences of my failure to respond. Despicable and disgusting and a total unwillingness to note the account with the information about the letter. Further, another follow-up letter was mailed on XX/XX/XXXX with a copy of the XX/XX/XXXX letter and no response. They have had the audacity of opening a so-called new account now shown in my credit report in the claimed amount due. They are a total undesirable, disrespectful and despicable entity that needs to clean up its act as I will take any and all actions and/or legal recourse to ensure they are taken to task and that the fraudulently fabricated and claimed amount is removed from my credit report. Further, I have sent them a cease and desist letter advising them to only contact me in writing only to my known mailing address. No emails and no phone calls. This is also being reported to the State of Florida Attorney General 's office for warranted action on this unscrupulous entity. I may be contacted by your organization only to answer any and all questions you may have, however, I do not want any communication from them that is not in written form mailed to my known address. Thank you in advance for your assistance.
Consumer complaint received 2022-05-28
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: EQUIFAX, INC. (GA)

The credit reporting agency failed in completing an investigation for incorrect accounts on my credit report. They failed to do nothing and according to the FCRA inaccurate reporting on a credit report needs to be removed because its violating the FCRA laws.

FCRA section 807 violation. Misleading false reporting. Remove accounts immediately. This account is reporting a past due amount. I don't know what this is. Remove immediately. Late payments are being reported after the account was charged off. This is a FCRA violation and you can be fined upto {$1000.00}. Remove immediately.

In accordance with the Fair Credit Reporting act. These accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Consumer complaint received 2017-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX   XXXX   XXXX   XXXX   is trying to collect on a debt for a MasterCard account via Orchard Bank. I do not recall ever having a  MasterCard  and have tried repeatedly to get proof the debt belongs to me by requesting a contract from  XXXX  bearing my original signature.  XXXX  has been unable or unwilling to provide this information. I have reported to all  XXXX  credit bureaus that  XXXX  has been unable to provide this information and the debt still remains on my credit.  XXXX  is also reporting false information on the date this account was opened. According to the statement I was sent, it was opened in  XXXX  and  XXXX  states it was opened   XX/XX/XXXX  . Per the Fair Credit Reporting Act, changing the date the account is opened is against  Federal  Regulations.
Consumer complaint received 2023-02-15
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. (NJ)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize these inquiries. I am requesting that the inquiries be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these inquiries to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-06
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: Navient Solutions, LLC. (NJ)

For the payments of student loan account XXXX on XX/XX/XXXX and XX/XX/XXXX, payment was given over the phone to Navient ( at the time Sallie Mae ) Customer Service representative. Payment was not made to correct account two months in a row, and we only realized that the payment was put into other accounts after the fact. Please know that at the time, I had more than 5 separate student loan accounts for different years of XXXX with Sallie Mae, all of which were similarly paid by phone but never " past due. '' We spoke to Sallie Mae and were assured they would rectify the alleged " late '' payments that were not actually late, but misplaced by Sallie Mae themselves. However, after several years and requests this has not been done. As such, my credit report continues to show this specific loan as being not paid for the months of XX/XX/XXXX ( " 90 days past due '' ) and XX/XX/XXXX ( " 120 days past due '' ). I have recently initiated a credit report dispute through Experian, which rectified another similar discrepancy for XX/XX/XXXX. For whatever reason, the discrepancies for XX/XX/XXXX and XX/XX/XXXX were not similarly rectified. I demand that Navient finally resolve this discrepancy and notify the three credit reporting bureaus that this is resolved, remove the delinquencies, and to update my credit reports. Thank you.
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (WI)

I received communication from my home insurance company XXXX that my policy premium would be increasing by a substantial amount in XX/XX/XXXX. As a result I found a new insurance company XXXX XXXX which was decrease from my XXXX amount. I cancelled the XXXX policy at the begining of XX/XX/XXXX and set up new policy to begin XX/XX/XXXX. Mortgage company ( Newrez ) was informed of both the cancelation and new policy well before the XXXX start. Newrez unfortunately paid the cancelled policy amount to XXXX. After much back and forth I was able to get the payment returned to me and I made a direct payment of XXXX to my escrow and the correct amount was paid on the new policy from my escrow to Rural ins. A mortgage analysis was auto completed on XX/XX/XXXX. This analysis was completed using the wrong insurance payment and as a result my payment amount was increased accordingly. I requested a new analysis from NewRez on XX/XX/XXXX and was told it would be completed in 7 days. I have called chatted and email multiple times since then and still have not received the new analysis as of today XX/XX/XXXX. I've been hung up on multiple times given new dates multiple times etc to no avail. I do not want to make my Apr mortgage payment until I know the correct amount of the payment to make.