davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (NY)

The end of XXXX beginning of XXXX, I was approved through XXXX XXXX XXXX for a loan through Credit Acceptance for a used XXXX XXXX XXXX. I was covered by GAP insurance through NYS where I reside and Credit Acceptance was aware of my residence at XXXX route XXXX XXXX XXXX NY XXXX, I was making payments of XXXX a month towards the loan and XX/XX/XXXX or XXXX of XXXX I was rear ended on route XXXX at a no fault which gap insurance covers as long as it was a no fault. The vehicle was towed to XXXX XXXX on route XXXX in XXXX NY where it was pronounced totaled. I updated credit acceptance and they said that theyre from New Jersey and New York XXXX XXXX XXXX qualify for a New Jersey XXXX XXXX though they were loaning/leasing in New York State through XXXX XXXX XXXX. The gentleman that sold me my XXXX and got me approved through credit acceptance was named XXXX. They have been falsely damaging my credit and making it nearly impossible to move forward with life. They have been keeping it as a opened account when its been brought to collections, as well as marking it for late payments when its in collections on top of marking the cost of the loan almost {$8000.00} less than what my loan amount cost under my credit when the vehicle was originally only supposed to be roughly $ XXXX and when I got all my paperwork the loan amount was marked for almost $ XXXX. I still have all of my paperwork from XX/XX/XXXX when I bought the vehicle. They have been putting hard inquiries on my credit on top of threatening me with court and garnishing my wages. I need help because is truly stressful and destroying any chance at life I do have.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (KS)

In accordance with the Fair Credit Reporting act 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.
Consumer complaint received 2023-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

I have an ongoing case with Citi Bank. The case ID is XXXX. Based on the information obtained from Citi Bank, the fraudulent charge went through with the wrong CVV number, which was indicated on my attached materials on page three. The scammer used the wrong CVV information but still was able to compromise my card. 
However, Citi Bank refused to admit this was a fraudulent activity and stated that I am fully responsible for the fraud.
Consumer complaint received 2023-02-13
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. (NJ)

The following inquiries continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these inquiries must be verified ( A ). I will bring legal action against you if you do not verify these inquiries. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2022-05-14
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Somebody opened a BofA account using my email address. 

On XX/XX/2022 I received an email from Bofa " We're sorry but we're unable to open your Bank of America account ( s ) online .... '' I replied " This is not me! Somebody gave you a fake name and my email address. '' I also forwarded the same email to XXXX with " FRAUD '' in the subject line. 

On XX/XX/2022 I received an email from BofA " Great news! The following account ( s ) are open : Bank of America XXXX XXXX Banking Account # : XXXX '' I again forwarded it to XXXX and stated that I had not opened any account. I received numerous other emails from BofA- INCLUDING ONE THAT STATED THAT THE EMAIL ADDRESS ON THE ACCOUNT HAD BEEN CHANGED - and I again forwarded the emails to XXXX On XX/XX/2022 I received a " verify your email address '' email from BofA and again forwarded the email to XXXX.
Consumer complaint received 2020-03-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Recovery Systems, Ltd (TX)

I keep getting repeated phone calls every day from a company called Nationwide Recovery. The phone number I get the calls from is XXXX, a XXXX number but everyone that calls has a XXXX accent. They claim I have a hospital bill from 2016 but I never received anything in the mail regarding anything from 2016. No bills, collection notices, nothing. Today they called me 4 times within a 3 hour window. Yesterday, I talked to them and asked them to stop calling, but that went nowhere. When I hang up, they call back.
Consumer complaint received 2020-03-17
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. (MO)

Credit Bureaus are showing accounts that do not belong to me. I filed a police report about the identity theft or incorrect information months ago. There have been some of the inaccurate things removed but others still continue to populate the reports. There are also inaccurate prior addresses that they still have not removed as well as some inquiries. There is a company " XXXX XXXX '' saying I owe two different accounts XXXX*** and XXXX*** both on my XXXX  and Transunion Reports . There is also an XXXX account XXXX**** that was never mine..
Consumer complaint received 2020-03-17
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. (CA)

I was made aware of a XXXX XXXX XXXX XXXX account and several inquiries appearing on my credit when I went to co-sign for my niece to purchase a car and I was denied. I looked through my credit report and I didn't recognize any of those inquiries or account. I have never opened an account with that company nor did I ever allow those companies to run my credit ; I do not have any contract or agreement with any of the companies listed on this report. At this time I don't know who opened this account or made these inquiries in my name without my permission but I have already filed a police report and notified the companies. I did not benefit anything from this account/inquiries such as money, goods, services or any other benefit and I did not take part in any purchases or payments made towards this account.
Consumer complaint received 2020-03-17
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. (CA)

I was made aware of a XXXX XXXX XXXX XXXX account and several inquiries appearing on my credit when I went to co-sign for my niece to purchase a car and I was denied. I looked through my credit report and I didn't recognize any of those inquiries or account. I have never opened an account with that company nor did I ever allow those companies to run my credit ; I do not have any contract or agreement with any of the companies listed on this report. At this time I don't know who opened this account or made these inquiries in my name without my permission but I have already filed a police report and notified the companies. I did not benefit anything from this account/inquiries such as money, goods, services or any other benefit and I did not take part in any purchases or payments made towards this account.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (CA)

on XX/XX/XXXX, I came to the realization that Ally Financial had wrongfully reported a late payment for my auto loan. I had received a letter in the mail from them that no payment was due for the month of XXXX ( XX/XX/year> ). This is the only reason why I did not make a payment. My account standing had been excellent with no late payments. After speaking to one of their reps, I inquired as to why I had received that letter. They indicated that they did not have a record of any kind of notice like that. I then asked them why they did not contact me by phone to notify me that the payment was late and that they were set to report to the credit bureaus after 30 days. Their response was that they did not have my number on file. I told them that was unacceptable and requested for them to have the late payment reporting removed. After the outsourced/foreign representative spoke with a manager ( on a recorded line of course ), she indicated the late payment would be changed to a current status and to please wait 30 to 45 days for their credit department to update. I told them I thought that was far too long. Since then, they were contacted by the bureaus regarding my dispute and indicated the late payment was in fact accurate. They have done nothing but waste my time and I have not been able to secure a desperately needed business loan due to this single recent late payment which cause my credit score to drop by over 80 points. I have also emailed my request to the CEO XXXX XXXX along with their Chief Marketing Officer XXXX XXXX, and their CFO XXXX XXXX. No one appears to care and this has turned out to be one of the worst customer service experiences of my life. I regret doing business with Ally bank and aside from making this story public, I am requesting any assistance possible in order to rectify this situation so I can get the funding that I need.
Consumer complaint received 2022-05-14
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: I.C. System, Inc. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX I.C. SYSTEM, INC on XXXX, has violated my rights, 15 U.S.C. 1681 section 602 A. States I have the right to privacey.

15 U.S.C. 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (MD)

I received a mail regarding {$36.00} debt from US Asset Management Inc with original creditor XXXX. The recipient of the letter is not exactly my name, but has my first and last name switched. I currently have an active XXXX account with recurrent auto monthly payments. I do not own the debt as my XXXX account has XXXX balance. The mail looks freud or error to me as a company does not send outstanding balance to debt collector when there is an active account in good standing. In addition, the debt is not under my name and should not be mailed to my address. I called the company but could not reach a person after multiple attempts.
Consumer complaint received 2020-03-09
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. (AR)

I pulled my credit to myself for the first time in years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX/XXXX XXXX {$310.00} XXXX XXXX {$680.00} XXXX/XXXX   XXXX {$75.00} XXXX XXXX XXXX {$3600.00} XXXX XXXX   XXXX {$3600.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX  XXXX {$270.00} XXXX   XXXX XXXX {$960.00} XXXX XXXX {$94000.00} XXXX/XXXX   XXXX {$700.00} XXXX/XXXX XXXX {$2300.00} XXXX/XXXX XXXX {$2600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-03-09
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. (AR)

I pulled my credit to myself for the first time in years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX/XXXX XXXX {$310.00} XXXX XXXX {$680.00} XXXX/XXXX   XXXX {$75.00} XXXX XXXX XXXX {$3600.00} XXXX XXXX   XXXX {$3600.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX   XXXX XXXX {$960.00} XXXX XXXX {$94000.00} XXXX/XXXX   XXXX {$700.00} XXXX/XXXX XXXX {$2300.00} XXXX/XXXX XXXX {$2600.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-03-09
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. (FL)

I can not identify the following information appearing on my credit report : XXXX XXXX XXXX Type of Industry : Other Collection Agencies Account Number : XXXX Address:XXXX  XXXX XXXX XXXX XXXX XXXX NY XXXX Phone Number : ( undefined ) undefined
Consumer complaint received 2020-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CT)

On XX/XX/2020 I booked a hotel in XXXX that required full prepayment. Before making the purchase, I logged into my Chase credit card account to do research about whether my account charged foreign transaction fees or not. The decision I would make on which credit card to use for my purchase was contingent on this information. 

I logged into the website and, while still logged into my account, I navigated to the " Things You Can Do '' menu, selecting " Card Benefits '' as the option. 

Doing this opened a new window, seemingly outlining all of the benefits of my card ( since this was auto-navigated from the card benefits section of my logged-in menu selection ). 

From there, I continued my research selecting " Travel Benefits '' from the page 's menu. Upon clicking that option, the first benefit highlighted was " {$0.00} Foreign Transaction Fees ''. Upon reading this, I decided to use my Chase card to make the purchase, confident that I would not be charged a foreign transaction fee for doing so. 

Imagine my surprise when on XX/XX/2020 I noted a {$210.00} foreign transaction fee for the hotel prepayment. I immediately sent Chase a message via their secure messaging center asking them to remove the erroneous fee. They responded saying that my card did, in fact, charge a fee of 3 % for any foreign transactions and so the fee was correct. 

I replied, explaining that the website clearly showed there was no fee for my card. I also sent screen shots of the navigation steps that I took to arrive at that information. They informed me that the links took me to the wrong card type, in spite of the links opening from my own account page. They apologized for the mis-information but would not reverse the fee. 

I insisted that this was an error on their side given that I made a logical determination of an action based on the information their own website provided me but they will not refund the fee. 

My position is that this is clearly misleading and intentionally providing consumers with incorrect information about their fees for their cards. No reasonable person would assume that by seeking out cardmember benefits from their account page while logged in would be directed to a page about a different type of card with different fees. Further, in spite of the fact that I've informed Chase of this mis-information and broken link, they still have not corrected the information. This leads me to believe it is intentional and that other consumers will fall prey to the same error as I have This is unacceptable and action should be taken immediately.
Consumer complaint received 2020-03-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: BlueChip Financial (MI)

I took a loan out for XXXX on XXXX. I have made 6 payments so far for XXXX, then next payment comes out on XXXX, for a total of XXXX. 
Payment dates, XXXX XXXX. 
According to them, I still owe XXXX!?! .. I would like to know exactly how much interest they can charge on a loan like this.Ive already payed XXXX, for what, to repay XXXX out of XXXX, that's ridiculous, Please let me know my rights and what I can do if anything
Consumer complaint received 2020-03-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TX)

On Wednesday, XX/XX/XXXX I contacted XXXX XXXX about refinancing my mortgage. The first mortgage company to call me was AmeriSave. I started the processes with them. They lead me to believe that there offer would most likely be the best offer but told me they would beat any better offer I got by {$500.00} but it had to be a locked-in offer. To get there lock I had to give them a {$500.00} nonrefundable fee. They failed to tell me that no-one else I talked to would require this fee. Most of the other companies I talked to gave me better deals. I was told I had 3 days to shop the loan. On the third day, I sent the general loan information on the better offers to them and did not hear back for 2 days so I assumed they were not going to match and went with a different company. Turns out the loan officer was sick and never bothered to let me know. He had my text information and had previously sent me a message. He knew I believed I only had 3 days yet never bothered to let me know he was out. I sent them an e-mail letting them know I had picked someone else and did not get a message back until 2 days later. I talked to the Texas division manager a few days before my closing to get my {$500.00} back. They told me that because I had not close I could still break my agreement with the other company and they would still beat it. I told him I would not go back on my word. The loan officer kept telling me how  honest he was but failed to tell me that most other companies would not ask for a refundable deposit. He said he knew for sure that XXXX also did that. If they truly believed that most other companies would require a fee to lock in my rate and they would only match locked-in rates than that 500 $ was a way to force me to go with them. I got a better offer from everyone else I talked to and everyone else also told me that would beat any other offer. If everyone else can do that I see no justification for that charge and would like it back.
Consumer complaint received 2024-03-25
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (AR)

An item ( Stabila XXXX Laser ) was ordered on Amazon on XX/XX/XXXX for a total amount of {$2100.00}. The Amazon seller was XXXX. The item never arrived/was never delivered ; however, the seller states it was delivered per the tracking information. I notified my Amazon card that I never received the item and that the seller was refusing to do anything about the situation. I have been back and forth with the Amazon card since XX/XX/XXXX with no resolution. They wanted a police report regarding never receiving the item, so a report was filed and submitted to the Amazon credit card XXXX XXXX. Every time I follow up, they state a dispute can not be found and open a dispute. This has been ongoing for months now. I called today XX/XX/XXXX and was told there was no dispute again ( a dispute has been filed with the police report multiple times ). The representative claimed to have submitted a new dispute again today, and I have once again attached the police report. This dispute has been pending since XX/XX/XXXX, which is way over the 90 days allowed. The Amazon card is basically ignoring the issue.