davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (SC)

I went into a consumer credit transaction with Chrysler Capital on XX/XX/2017 in good faith to get household goods for my family. With my ignorance to the federal consumer law and trust in XXXX XXXX contract I was taken advantage of with the terms of the contract. I used the CFPB website and looked at Regulation Z which is the Truth in Lending Act and I see that when entering a credit transaction you're responsible for the finance charge and that is the dollar amount the credit will cost you ( XXXX Finance charge ) the finance charge was {$7700.00} and I paid {$10000.00} which is more than the finance charge. I also noticed that the transaction was suppose to come with credit insurance unless I declined the option and Chrysler Capital say they don't offer that which not following the Truth in Lending Act as they say they do. The finance charge also says It does not include any charge of a type payable in a comparable cash transaction but I was told to put down {$3200.00} as a down payment and they deduct the down payment from the total cost they actually added the {$3200.00} to the total cost which is just criminal on their part. Regulation Z also gives you a right to rescission in section XXXX which allows the consumer until midnight of the XXXX day to cancel the transaction but with Chrysler CapitalXXXX contract it say no cool off period meaning if you sign the contract you can't cancel and that is another violation of the Truth in Lending which makes them civilly liable for double the finance charge. I sent a complaint to this company in XXXX using title XXXX chapter XXXX and they responded with my claims didn't apply to auto loans but its a credit transaction that I applied for and it says it on the contract. Since then I have found violations of the FDCPA that this company has violated as well and I have them attached to this complaint. I am filing this complaint because Chrysler Capital is still reporting this account as negative to my consumer report and they sent an unauthorized person to my home the steal my vehicle and knowing that I was only responsible for the finance charge which means the vehicle was paid for. This action by them has put me and my family in a financial crisis because we're unable to get and house hold good by credit because Chrysler Capital has ruined and is continuing to ruin my reputation the have even sold the account to a company named XXXX and they're are reporting to the consumer reporting agencies as well I want to settle this matter here because they have caused me and my family too much injury.
Consumer complaint received 2021-11-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (SC)

During the months of XXXX 2021 I'd made arrangements to pay off my vehicle in full. Credit Acceptance Made an arrangement for me to pay off my vehicle loan in full on XX/XX/2021 which negated my payment for XX/XX/2021. The entire balance was paid on XX/XX/2021 and the account was paid off XXXX months early. That said, during the month of XX/XX/2021 Credit Acceptance reported me to all XXXX credit reporting agencies for being over 30 days late in spite of the payment arrangement promised. Their actions caused my credit score to drop tremendously. Several attempts have been made in order to rectify this issue but Credit Acceptance refuse to correct their mistake. Therefore, I request your assistance in correcting this issue. 

Respectfully, XXXX XXXX
Consumer complaint received 2021-11-24
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: Experian Information Solutions Inc. (CA)

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XXXX  ( Reported Identity Theft ) 2. XXXX on XXXX  ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-11-24
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. (CA)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (OH)

Upon receiving the US Bank XXXX for XXXX benefits funds had already been removed from the account and continued to be stolen from the account. Upon notifying the company and completing every request for information they didnt complete any investigation nor did they refund any of my stolen funds. They continued to be dishonest by stating that they did an investigation when they had not. Also requested on 3 separate occasions, that I be given supporting documents and all information that was used in conducting the investigation for my review and all they continued to do is send me the same documents that I sent to them which was nothing more than the transactions that fraudulently occurred on my account from the beginning to the end. I have lost a great deal of money from US Bank XXXX  and now am contemplating seeking legal assistance to recover my money from my unemployment benefits that they allowed to take place due to their negligence and breach of my rights listed in the cardholder agreement.
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital one changed my purchases to cash advances over {$2000.00} when my cash advance limit is only {$400.00}. 00. I contacted them about errors and fees and interest incorrectly applied. They refused to correct the issue. They wouldn't let me pay my cash advance actually taken out {$400.00}. They said the entire credit limit was listed as cash advance and charged accordingly on statements, fees charges including. They denied consolidation of all cards accounts to get one bill, one interest rate. Now they have brought a suit against me to garnish my XXXX and accounts.
Consumer complaint received 2021-11-24
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: EQUIFAX, INC. (CA)

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX2020 ( Reported Identity Theft ) 2. XXXX XXXX XXXX020 ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX2020 ( Reported Identity Theft ) 4. XXXX XXXX XXXX2021 ( Reported Identity Theft ) 5. XXXX XXXX XXXX2020 ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX XXXX XXXX2021 ( Reported Identity Theft )
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$5200.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$1900.00}.
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I must admit that you removed some of the errors but you continue to report several other errors. Now I dont know why is it taking so long for you guys to remove the rest of the errors. I have complaint to you guys several times. I am asking that you guys remove the accounts and inquiries that I have attached to this message file. I am in distress and this have caused major problems. I am sending this as an internal dispute and as an affidavit. I am unaware of the accounts listed on my credit file that is attached. Please remove the accounts within 24 hours because I have waited more than 120 days to see changes on my credit file. I will definitely follow up in a few days to see if the accounts are removed. I sent an affidavit, FTC number a few months ago showing that I was a victim of fraud and I was affected by more than a several credit breaches. Please remove the errors permanently your company continues to list on my credit file. If your company continues to list the error accounts and inquiries on my credit file XXXX wont be afraid to take legal actions and this isnt a threat so please dont be offended but I lead by action. 
Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Accounts & Inquiries listed in the attachment areas. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in 30 days of your receipt, thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX
Consumer complaint received 2019-12-09
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc. (TX)

Ive tried calling this company multiple times about the fraudulent collections they have on my credit report, they keep saying that theyre attempting to collect a debt from a apartment complex Ive never lived at in my life, Ive sent in the information that was requested my identification official police report and federal trade commission report & Theyre still falsifying that the account belongs to me and hanging up in my face, I tried reaching out to the apartments but now there under new management and I wonder why, This is by far the worst experience Ive encountered with a company in my XXXX  years of living.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected from my file right away XXXX XXXX XXXX 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 2020-02-18
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)

I believe someone used my personal info to get credit cards. I noticed there was accounts on my credit which I do not recognize such as XXXX, XXXX, XXXX XXXX, and XXXX  XXXX XXXX and XXXX XXXX. I think I am a victim of identity theft and these accounts are fraud. Help remove with credit bureaus.
Consumer complaint received 2021-11-24
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: AMERICAN EXPRESS COMPANY (NY)

This is happening in three months before the event, I also have in the XXXX website complaints and get accepted the case number, but two months past the XXXX  also did not give my reply, I played several times phone to the american express bank want to get processing, there is no reason of refused only say sentence inconvenient said too much, it. This is actually very easy it is possible to identify the fact that really want to, the problem is that I stored in a check in I have american express storage value account, time after 5 days, which money smooth display in my account, but to the morning XXXX point lot of time. American express to check be returned to the reason for the have to account money go away, then I call ask customer service personnel why would in the middle of the night when said check be returned to? I do so perennial intended never this happens, I will require american express bank the return check coding tell me, until now american express are get not they told me check is the other requirements of the return of the program number number is how much it will not is very simple process event? As long as called american express bank come up with check be returned coding will identify ensure complete, if get not this coding digital this obvious is american express in talking fraud cheat I deposits isn't it? Regardless of any reason to get not this coding digital enough to prove bank fraud Three months so simple things I didn't think need so long processing time, cov 19 has nothing income the since also happens such fraud, I really difficult to believe this is funds strong bank to fraud ordinary people people the hard-earned money, hoping to get processing put money compensation I, there are three months of suffering and pain,, thank you, thanks
Consumer complaint received 2022-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (GA)

After opening a new account, wiring money over to the new NFCU account, and while waiting for my debit card to arrive in the mail from Navy Federal Credit Union in late XX/XX/2019, my debit card was stolen from the mail and activated without my knowledge/permission and used On XX/XX/2019 at XXXX XXXX XXXX XXXX XXXX, CA to fraudulently withdraw {$6300.00} from my account. 

When I checked my account and noticed these funds were stolen from my account a few days later I immediately called NFCU and informed them about this situation. They basically told me they were not liable for this instance of fraud taken on my account and denied my claim to reimburse me for these fraudulent charges. Again, I was never in possession of this debit card ( as this was a new account ) and the pin number was yet to be created, so the individual who stole my card only needed to find the last XXXX digits of my SSN ( which is easily obtainable to find online since he knew my name and address ) to activate my card and create a pin number. 

Even after I filed a police report with XXXX XXXX ( CA ) and an investigation was underway to find the individual who stole the funds from my account, NFCU still denied my claim. The individual who committed the crime was eventually identified, charges were filed, an arrest warrant was issued by the XXXX XXXX and the criminal is currently on the run. The case number is XXXX in the XXXX XXXX XXXX California XXXX XXXX of XXXX ( see attached document ). After providing NFCU with this documentation, again, NFCU denied my claim and stated " I need to sue the individual who stole my debit card for the stolen funds ''. 

NFCU has still yet to offer any help or resolution for their mistake. When the card and new pin number were activated I did not receive any alerts. Also, when the money was being taken out there was no alert given to me either. I also questioned how the criminal was able to take out $ XXXX of my account at an ATM in one day with zero fraud alert or holds and they were unable to give me a reasonable answer. This has been a hardship on me and has been poor service by NFCU Person of contract from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX desk XXXX XXXX
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and XXXX am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX CapitalOne/Walmart, 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 cann furnish a account without my written instructions.

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. 
Actions request : I would like payment update as agreed, not delete.
Consumer complaint received 2021-11-24
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (TN)

I went into Chase Bank XXXX, XXXX location on XX/XX/2021 around or close to XXXX XXXX XXXX to deposit my convenience check pursuant 26 CFR 1.6050W-1 ( 5 ) ( ii ). When I walked in I was greeted by XXXX XXXX. There wasnt any bankers available so I waited until XXXX XXXX told me that she was available. I told her I wanted to deposit my check and because she was familiar with my convenience check she called her back office for assistance. Whomever she spoke with told her it was ok to deposit the check and she did exactly that. I told her I wasnt sure that it could be done or not that I had been studying and after reading the company agreement I thought to give it a try. I was amazed that it was really a thing. ( XXXX ) days later I came back with more because and was told I couldnt deposit my checks after ( XXXX ) days prior I was told I could. I was embarrassed how the employees handled me on XX/XX/2021. I asked if I could get something in writing as to why I could not deposit my check and the branch manager XXXX XXXX told me no. On XX/XX/2021 I went to swipe my card and it was declined. I went to check my mobile app and an error message popped up stating " we locked your account due to suspicious activity. I immediately called the number they provided and there was a XXXX hour hold so I went into a the closes branch to where I was at that time. The lady that was there was phenomenal and tried her very best to assist me. She called her back office and we spoke to a guy by the name of XXXX if Im not mistaken. He couldnt really help so after being there for around XXXX in a half hours I left. I am not sure why I am being punished for depositing my check when I was told that I could? I have had other reach out stating that they called in to that exact same branch in XXXX and was told that I scammed the bank. I have been stressed, my XXXX XXXX has been extremely high, and on top of that my lights have been disconnected because I could not pay my bill due to the bank holding my personal funds. I have not been able to feed my children and I will be seeking litigation for the damages. I did no wrong. If it was against chase bank policy to deposit convenience checks I would have appreciated XXXX just saying that. Now Im without a bank account. They closed my son account, and it now seem to be a block on my business bank account. My application was an instrument used to open the account. That instrument is sold as a security and with closing my account I ask for my original instrument back. I will look up Chase bank XXXX XXXX and file a lawsuit again them.