davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CREDIT ACCEPTANCE CORPORATION (PA)

In XX/XX/XXXX I financed a used XXXX XXXX rogue for XXXX with a monthly payment of XXXX plus car insurance XXXX was on time with the car insurance and my car note .when the pandemic came about my hours at work were shorter so I applied for liability until I I get a better job or more hours.Soon after my car was hit so I had to pay out of pocket insurance .About a year later my car got stolen.I did the right paperwork and followed every step.About 6 months later I received a letter from the finance company.I was told to pay a percentage because the car wasnt recovered.I gave up but I was still tryna pay them so I started paying atleast half and what I could. About XXXX later I was watching the news and seen my car amongst other ghost cars that was hidden and took by XXXX XXXX I called XXXX told them everything and was told my car not there. Immediately I called the finance company and I told them and they told me I still have to pay.I believe they recovered the car and still trying to make me overpay for their car I barely had. I asked to gps the vehicle they told me they took it off a year before I brought it. They were no help and rude. Lastly my car was repossessed before and I found it there when they lied and said it wasnt.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (TX)

The below company placed a hard inquiry on my credit report for a credit card that I did not apply for. I have no accounts/ have never had any accounts with this company. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-19
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 name : XXXX XXXX XXXX # XXXX. 
Account name : XXXX # XXXX. Account name : XXXXXXXX # XXXX. 
Account name : XXXX # XXXX. 
Account name : XXXX # XXXX. 
Account name : XXXX # XXXX. 
Account name XXXX XXXX XXXX XXXX # XXXX. 
Account name : XXXX XXXX XXXX XXXX # XXXX. 
Account name : XXXX XXXX XXXX # XXXX. 
Account name : XXXX XXXX # XXXX. 
Account name : XXXX XXXX # XXXX. 
Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX. 
Account name : XXXX XXXX XXXX # XXXX. 
Account name : 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 2023-03-16
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. (TX)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-22
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. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-08-10
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: FC HoldCo LLC (VA)

FlagShip Account # XXXX Certified Mail Receipt To Flag Ship : XXXX XXXX XXXX XXXX XXXX XXXX As Defined XXXX The IRS Publication XXXX Even if FLAGSHIP CRD didnt receive a Form 1099-C, they must report canceled debt as gross income on their tax return. 
The IRS Clearly defines a charge off as Gross or Ordinary income. 

INCOME/TRANSACTIONS/EXPERIENCES DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
By definition The IRS clearly says a Cancelled or Charge off is income. The reporting of this account as a alleged " debt '' is inaccurate. The account is being furnished inaccurate and this is prohibited by federal law. 

15 U.S.C. 1681s-2 Says consumer reporting agency as a furnisher of information are PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. 

15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) 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. 

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something. 

( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; I also mentioned above the Federal Definition of a Consumer Report '' and what it should not include. This inaccurate information is causing actual severe damage to my general reputation, my family, mode of living, and mental health. Also, as you can see in the exclusions, transactions and experiences are not reported on a consumer report, and this is another violation of my rights. 

Flagship Credit Acceptance LLC is hereby put on NOTICE that they are furnishing incorrect inaccurate information. 

The lender must file Form 1099-C and send me a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity, as discussed earlier in chapter 1. 

The above paragraph is taken directly from the IRS 2022 Publication XXXX. 

This account must be removed.
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: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I was contacted by portfolio recovery associates LLC regarding a balance owed on XXXX {$2300.00} this was removed off my credit under XXXX  XXXX and they purchased the account I advised I have a police report and identity theft report and they advised they are adding this to my credit report today this is against the fair credit act and this is not accurate I was a victim of identity theft this account is from XXXX or XXXX previously was removed from my credit reports now sold to this collection agency this is also reported on an federal trade commission report attached
Consumer complaint received 2024-02-28
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. (GA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple Reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2023-05-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TX)

Loan Modification paperwork did not include notice of a {$5900.00} down payment needed for the Loan Modification to be initiated. Because I didn't know about the {$5900.00} payment, I was unable to do what was necessary to facilitate the loan modification.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime.The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. The following items listed below are unknown to me. XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I had a medical school student loan which I had refinanced to XXXX XXXX XXXX XXXX XXXX. I had a terrible experience with the bank and the customer service. I immediately refinanced my loan out of that bank and the bank had stated they had charged off the remaining balance. The balance was paid in full before the charge off. This has affected my ability to get a car loan and mortgage on a new house.
Consumer complaint received 2023-05-19
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: The Receivable Management Services LLC (TX)

In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2024-02-28
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. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

PORTFOLIO RECOVERY ASSOCIATES CONTINUES TO VIOLATE CONSUMER RIGHTS AND CAUSING EXTREME HARDSHIP TO CONSUMER REPORT BY REPORTING ILLEGAL AND UNAUTHORIZED CONSUMER IDENTITY INFO. PRA WAS GIVEN NOTICE OF DISPUTE, DEFAULT AND OPP TO CURE WITH INVOICE FOR COMPENSATION DAMAGES DUE TO VIOLATION OF FCRA, PA, FDCPA, ROSENTHAL ACT AND USING FEAR, DECEPTIVE AND MISLEADING BILLING TACTICS ON ALLEGED DEBT. CONSUMER ALSO CLAIM SECURITIES FRAUD IN USING MY PRIVATE INFORMATION TO RUN SECURITIES. CONSUMER HAS NOT GIVEN WRITTEN AUTHORIZATION TO OBTAIN PRIVATE IDENTITY INFORMATION. PRA FAIL TO SHOW PROOF OF CLAIM WITH A VALID SIGNATURE OFTHE CONSUMER TO PAY ALLEGED DEBT. CONSUMER DEMANDED DOCUMENTARY EVIDENCE OF PERFECTED LIENS, AGREEMENTS, CONTRACTS, PROMISSORY NOTES, OR ANY OTHER DOCUMENTARY EVIDENT TO SUPPORT PRA 'S CLAIM AND CONSUMERS AGREEMENT. CONSUMER SEEKS {$6000.00} IN DAMAGES. CONSUMER DEMANDED PRA TO CEASE AND DESISTS ALL COMMUNICATIONS INCLUDING CONSUMER REPORTING.
Consumer complaint received 2023-02-28
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: NAVY FEDERAL CREDIT UNION (NY)

U.S. Code 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 de- signed 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 pay ment due date. The creditor failed to do so
Consumer complaint received 2023-07-08
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: Spring Oaks Capital, LLC (NC)

On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. Spring Oaks Capital , LLC, has violated my rights. 15 U.S.C 1681 602 A. 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 an account without my written instructions.
Consumer complaint received 2024-02-28
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. (MD)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 2022-01-31
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2023-10-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (OH)

someone opened several accounts in my name using my old email, these were opened online we were unaware of these debts. The company midland credit management has started garnishment on the one account. When the accounts were opened we were in a XXXX XXXX
Consumer complaint received 2023-10-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: AES/PHEAA (NJ)

We filed for bankruptcy with about XXXX in student debt in my name. Despite payments being built into the bankruptcy plan and the fact that we fulfilled all of our payments my student loans increased by over XXXX to XXXX owed. 

I don't understand how this is fair at all. The reason we were in bankruptcy was to afford to pay off our debt. We paid about XXXX in total debt off during the course of the 5 year bankruptcy payment plan but then I got stuck with the same amount anyway. 

That can not be fair, can it?
Consumer complaint received 2024-02-28
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. (TX)

Please remove the unauthorized accounts from my credit report as soon as possible. I did not initiate or authorize these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within the next XXXX  days. Attached are the relevant documents for your review and reference.
Consumer complaint received 2023-08-12
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: LEXISNEXIS (MI)

Lexis Nexis is violating my federally protected rights and reporting misleading information I have not given them permissible purpose to use & furnish my private personal information also The US BK CT-XXXXXXXX XXXX XXXX Did not furnish the information therefore it can not be verified as accurate stating that the information is verified is fraud and misleading and is a violation of federal Law. instead, you infringe upon my privacy rights. Lexis Nexis is also committing FORGERY by telling me in a letter that the Bankruptcy court reporting this Bankruptcy account on my credit report, when the Bankruptcy Court sent me a letter saying they do not report to the CRA 's ( Credit reporting agency ). I am telling Lexis Nexis to delete this bankruptcy account off my credit report immediately. I am asking for monetary damages for the violations and defammation of character that they has caused me and my family of {$5000.00}.
Consumer complaint received 2023-08-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (FL)

I have no knowledge of this collection acount. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v, Gravens ( mo ) 281 SW 715,719, i preume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

Furthermore, In accordance with the Fair Credit Reporting Act Progressive Management Systems 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 an account wothout written instructions.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC. (AL)

My account ( Acct # XXXX ) at Ally Bank was closed on XX/XX/2021. It was reported to XXXX XXXX XXXX 

The remaining balance in the account was never sent as it should have been after the closing of the account.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (FL)

I check my credit and i notice accounts that i did not authorize my personal information was exposed on the dark web and i believe my personal information was used in that matter this accounts are fraud i have never given any one consent to open these account
Consumer complaint received 2023-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

In XX/XX/XXXX I deposited {$1800.00} from my XXXX account to my citi bank account. Then in XX/XX/XXXX I deposited {$1000.00} from my XXXX  account to my citi bank account. Shortly after Citi Bank locked me out of my account and I still have not receive my funds. I have had no updates.
Consumer complaint received 2023-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC (TN)

CASCADE CAPITAL FUNDING , LLC IS STATING THAT I OWE THEM {$640.00}. Which I do not I dont have any account with them I already filed a dispute with them about them account and told them to cease and desist on this account. They have not provided any documentation with my wet signature that I have anything to do with them. Now as a consumer Iknow I have a right to privacy. In they are breaking countless of law of the FCRA and FTC AND HIPPA LAWS I WILL BE FORCE TO BE SEEKING Remedies from this laws because they are causing damage to my character as a consumer and cause me and my family a nervous break down. I had to check in with the doctor for this problem. They told me see my lawyer about the situation so I did so now I know about the laws they are breaking from my lawyer its a up to a 1000 per valuation me and my lawyer will be coming for this company. So ima telling you again cease and desist.