davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I am submitting this claim due to a fraudulent contract. I was not given full disclosure about : The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction. Regulation Z, 12 C.F.R. 1026.4 ( a ) The Truth in Lending Act ( TILA ) requires creditors to disclose key information about consumer credit transactions so that the consumer will be able to compare more readily the various credit terms available and avoid the uninformed use of credit. The finance charge disclosure informs consumers about the cost of credit expressed as a dollar amount. Violations include but are not limited to : My Contract says I can pay in Cash OR Credit! They got the Credit from using my social security ACCOUNT number. My contract also says You have agreed to buy the Vehicle from us on credit for the total sale price The total sale price is : {$22000.00} According to XXXX5 USC 1662 - No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. So They are in violation for requiring a down payment and I am entitled to compensation. My Contract also states : Security : You are giving a security interest in the goods or Vehicle being purchased SECURITY INTEREST.- The term " security interest '' means an interest ( including an interest established by a conditional sales contract, mortgage, equipment trust , or other lien or title retentio contract, or lease ) in a motor vehicle when the interest secures payment or performance of an obligation. THIS MEANS THE CAR WAS PAID IN FULL.
Consumer complaint received 2023-03-14
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. (MA)

Remove all inaccurate, erroneous, unverifiable information. I will be as clear as possible so there is no further misunderstanding. The corrections should be as follows : XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX XXXX XXXX and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX XXXX and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX ( and all variations of this account ) - Never did business with this company ; reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX XXXX and all variations of this account ) - Reporting a charge off with a balance ; delete immediately XXXX XXXX XXXX XXXX and all variations of this account ) - Never did business with this company ; balance is lower than high balance ; delete immediately XXXX XXXX XXXX XXXX XXXX ( and all variations of this account ) - last payment made states XX/XX/2013 ; it is almost 10 years later ; delete immediately XXXX XXXX XXXX  ( and all variations of this account ) - Reporting charge off with a balance ; delete immediately
Consumer complaint received 2021-07-30
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. (GA)

I sent a letter in XXXX dated the XXXX requesting Transunion, XXXX, and XXXX  as follows ( According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract/Application with my Signature on it, Pay off Disclosure, Interest rate disclosure, Balance History, Payment History and Credit Insurance ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. ) The only response I got was generic and stated account verified however there was none of the previous documents I requested where attached. I then followed up with a second letter stating in XXXX dated the XXXX th which request the following ( Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. ) Still to no avail this time there was no response It is no XXXX the XXXX and I am still struggling with these same unverified and therefore unlawfully placed accounts on my credit report please assist me in making Transunion, XXXX, and XXXX  follow the law and promptly remove the items I attached in the letters
Consumer complaint received 2023-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

The credit union keeps using different names of themselves on XXXX and Transunion and XXXXXXXX. When you make a payment you never know what listing they will put the payment under and then it shows lates on the other name.

The credit union is called XXXX XXXX but they also use their former name as XXXX XXXX XXXX. They list XXXX XXXX is listed on my XXXX reports but XXXX XXXX XXXX on XXXX and Trans Union. I have two loans with them, The first is a auto loan, and they will not send me a copy of the title or lean holder on the car, and the other loan was a forced loan on me, They were supposed to refinance my home last year but then they refused me and charged me {$500.00} for a home inspection that they never did and forced me to take out a {$1200.00} loan to pay it. So now I have a double payment to them. I am XXXX and have a social security limited income of {$1000.00} a month. Now I do not have enough money to eat every month. They never explained the truth in lending and never provided documents on it. So I have a reporting problem with them, because they use different names on different credit reporting companies and a truth in lending problem with the contracts. They also keep changing information on my credit reports. They never tell me what they are doing or what they are reporting. They have lates listed on all the reports as 30 and 60 days. But they did skip a pay for me when I got out of the XXXX  from XXXX XXXX. Then sent me a new contract to sign by way of internet that was blurry and blotted out so I could not see what they did and said that I had to sign them over the internet or they was going to take me to court and sue me to garnish my social security check and medicare. I feel trapped in this and fear that they will take away my social security check every month and take my car away from me so I can not get to my medical appointments. I never gave them permission to report anything on my credit reports. I need my privacy on this matter to due to my health.
Consumer complaint received 2021-08-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

Hey, I received your letter about closing my complaint. why the XXXX would you that? who else would be complaining about my personal information besides me? That's XXXX. I would ask you once more time to take action about the credit bureau not doing anything about my disputes. I am trying to get a house soon, so would you just please please
Consumer complaint received 2024-02-20
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

A payment plan was setup my an employee at the company and they lied about it not affecting my credit. They have a recording of the conversation and the person double verified my account would not be affected. Now I have a 30 day late payment that shows on my account its been 3 months since I spoke to them in XXXX. The issue is still not resolved.
Consumer complaint received 2021-08-13
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: Experian Information Solutions Inc. (CA)

On XX/XX/2021 I requested validation of an item on my credit report. It came back as verified and I never received any proof of such validation. I requested again XX/XX/2021 and have not received a response from Experian nor XXXX XXXX in regards to the incorrect item on my report. According to 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they had in their file to verify the information. They have continuously failed to provide such instruments.
Consumer complaint received 2021-07-30
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: EQUIFAX, INC. (NC)

hese accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2023-05-20
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: Collection Management Holdings, LLC (NV)

After reviewing my credit report, I have identified inaccurate accounts and information that are not associated with me. I did not provide consent for any of this information to be included in my credit report, and it is significantly impacting my life. I kindly request your assistance in resolving this matter.
Consumer complaint received 2021-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

I have contacted my mortgage holder XXXX XXXX at XXXX in an effort to have them give me access to my mortgage information via the internet. 

I have contacted them no less than 6 times for this matter. Each time I am told they will turn it over to their IT department and someone will fix the issue.

I have two pending case numbers with them XXXX XXXXXXXX and XXXX XXXXXXXX. My most recent conversation was on XX/XX/2021 with customer service. I was told again this matter would be sent over to their IT department and it would be handled. 

This is a real issue. I am not able to check on my balance. I am not able to pay an additional amount towards my principal or my escrow. 

The website has no guts to it. It is a blank white page. I have included a snap shot.
Consumer complaint received 2021-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (DC)

On XX/XX/XXXX and XXXX, Citibank reversed two transactions on {$100.00} and {$39.00} when the customer service call was to reverse all transactions to XXXX XXXX. Attached screenshot indicates 7 transactions : XXXX - XX/XX/13. Citibank answered two calls with the customer on the phone for over 2 hours yet they have not completed the required transactions. 

This is happening multiple times leading to issues on the account and the use of the bank for other services.
Consumer complaint received 2023-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

Last Tuesday around XX/XX/XXXX, my Chase cards were forcibly removed from XXXX XXXX. I did not remove them from XXXX XXXX. I tried adding them back to XXXX XXXX and it said to contact the card issuer. They said that my account is in good standing and EVERYTHING IS FINE. 

Even to this day I can not add these cards back to XXXX XXXX. it's the primary way I use my chase cards to prevent unauthorized transactions. Their technical support was of no help. 


Also, there was a transaction on my Chase Sapphire card for about XXXX. I was erroneously charged for someone else 's transaction at this restaurant as I did not order this much from that restaurant. I only ordered about {$14.00} worth of food. I don't have my receipt anymore but I don't even know what to do now.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (NV)

In accordance with the fair credit reporting act XXXX account # XXXX with 1STprogress has violated my rights. 

15USC 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 an account without 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.
Consumer complaint received 2023-03-02
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. (GA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by XXXX XXXX XXXX. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts Accounts : XXXX Accounts : XXXX Accounts : XXXX
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (MO)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to dispute several inquiries on my credit report that I do not recall authorizing. I demand that these inquiries be removed from my credit report immediately. 

The following are the inquiries I am disputing : XXXX, Date of Inquiry : XX/XX/XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX XXXX  XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX, Date of Inquiry : XX/XX/XXXX XXXX, Date of Inquiry : XX/XX/XXXX Furthermore, in some cases, the data furnisher has violated Metro2 reporting compliance by not reporting their contact information. I request that these unauthorized inquiries be removed from my credit report immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL (PA)

SYNCB/JC PENNEY PLCC ( Hotel and travel ) - XX/XX/2023, I went to JC Penny and wanted to open a card. I don't speak well English so I asked the cashier for help. I did not understand what happened there, they told me I would receive a letter in the mail. 
My daughter called today and after they kept hanging up while investigating for about 3 times, we finally got someone on the phone who could explain. She said it was not approved due to my social not matching my info, there was an extra XXXX entered. I have a XXXX score and get approved for credit cards for limits like XXXX XXXX or XXXX XXXXXXXX. There was no reason to not be approved other than on the application there was an extra XXXX entered when we applied with the cashier. Can we please have this removed from my credit? My full social did not match, and if they revise it, I would get approved for a good amount. At this point I don't need it, but it makes no sense to have them not work with me to correct it.
Consumer complaint received 2024-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-07-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Andrews & Cox, P.C. (SC)

They threatened to assert XXXX rights on real property and rights to have the sheriff attempt to collect through the sale of other non exempt items. And the collection agency is XXXX and I live in XXXX XXXX
Consumer complaint received 2021-07-30
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)

I sent a letter in XXXX dated the XXXX requesting XXXX, Equifax, and XXXX  as follows ( According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract/Application with my Signature on it, Pay off Disclosure, Interest rate disclosure, Balance History, Payment History and Credit Insurance ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. ) The only response I got was generic and stated account verified however there was none of the previous documents I requested where attached. I then followed up with a second letter stating in XXXX dated the XXXX XXXX which request the following ( Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. ) Still to no avail this time there was no response It is no XXXX the XXXX and I am still struggling with these same unverified and therefore unlawfully placed accounts on my credit report please assist me in making XXXX, Equifax, and XXXX  follow the law and promptly remove the items I attached in the letters