davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY (GA)

The original balance was XXXX. They gave me a minimum payment amount of XXXX. I gave a XXXX payment that was never credit and the charges doubled to XXXX. The payment was never credited
Consumer complaint received 2023-02-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION (MO)

It does not matter I have not been able to get a auto loan even with XXXX XXXX down because these ignorant dealerships run my credit as many times as possible and they come back with an astronomical amount of money needed down. I havent been able to get s credit card or anything since I was XXXX. Never. Something is up with my credit file to where it prohibits any one lending me money
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (IL)

XXXX is not accurately reporting my payment history with the account that is reporting on my credit report under 15 USC 1681 ( e ) b Compliance Procedures XXXX is knowingly reporting a late payment falsely according to the class action lawsuit brought upon them by the CFPB and it has been affecting my credit. The lawsuit states that they admitted they were falsely reporting late payments on peoples credit report. How do you guys sleep at night, knowing you've affected peoples lives? 

The Company really did people wrong and messed with my livelihood. I will not stop until I get my specified remedy. 

" The CFPB also claimed XXXX knew it provided inaccurate information yet took years to take reasonable measures to address the problems '' XXXX This is crazy to me and makes me angry to know you knew. 

https : XXXX
Consumer complaint received 2018-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valentine and Kebartas, Inc. (NY)

This company keeps calling about a debt apparently owed by someone else. Although I already told them I am NOT affiliated with the alleged debtor, they have continued to call me trying to obtain information I do not have. They are cynical and rude.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

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  Account # 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 2023-01-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (GA)

I went through Wells Fargo dealer services to purchase a 2005 expedition XXXX XXXX they denied me for the loan and told me to get a cosigner once I got a cosigner my loan was approved however my monthly payments were extremely high because I was paying the insurance for the truck through Wells Fargo dealer services but I also have my own insurance that I was paying on it monthly and I was unaware that this was going on and once I was notified it wasn't until after the truck had been repossessed and the loan had went into default I lost my job during the long process and I asked for a hardship and they told me that they could not they do not do that and I only owe {$10000.00} on the loan.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Recently accessed my credit report and noticed many discrepancies on the report. These accounts are holding me back financially from obtaining anything involving my credit such as a car and purchasing a home. The following accounts I do not recognize and are fraudulent XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, as well as two XXXX XXXX inquires. I also noticed several different addresses on my credit profile that do not belong. The following addresses are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, FL XXXX. And the only variation of my name is XXXX XXXX do not understand the many different names up there. My only phone number XXXX. Also I have read that according to law that these in accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 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 2022-09-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC (IL)

I'm a XXXX XXXX XXXX  on a fixed income and when I was quoted XXXX and was reluctant to pay that much, my salesman said after the XXXX rebate check given ( which I haven't received and its in my contract ), and 26 % back in taxes, It'll go down to XXXX and I was okay with that. I even wanted to make sure my goodleap papers said it, but they deceivingly worded it in such away that I have to come up with 26 % in 18 months or it goes up. I don't have internet hooked up and they wont come out and hook it up to my solar and my first electric bill after hookup was XXXX and over XXXX each month thereafter not including my monthly solar payment.
Consumer complaint received 2023-09-09
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. (CA)

Im sending in my dispute letters to the credit bureau and Im getting a generated response from the credit bureau stating that they dont believe the letter came from me and they are not responding or investigating my report correctly and I would like a response promptly
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. (FL)

Months ago, I sent the three credit bureaus a letter asking 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 mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Bridgecrest Acceptance Corporation (FL)

RE : XXXX XXXX XXXX. XXXX  XXXX XXXX, AZ XXXX Phone : ( XXXX ) XXXX Website : XXXX XXXX XXXX Original Loan Total That I was Misled on Would Total {$18000.00} Because of Intrest and a 70 Month Term Payment. 

Payments Made XX/XX/2018 {$600.00} XX/XX/2018 {$430.00} XX/XX/2018 {$200.00} XX/XX/2018 {$340.00} XX/XX/2018 {$250.00} XX/XX/2018 {$210.00} Transaction Date : XX/XX/2018 Amount Paid : XXXX Payment Method : Credit Card {$13000.00} charged off against my credit score XX/XX/2018 No record of payment. Not willing to disburse new payment program or loan details. Unauthorized GPS placed on my vehicle. Refusal to off access to online account. Incorrect reporting on XXXX  Credit report
Consumer complaint received 2023-02-03
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. (MA)

XX/XX/23 I received a call from Chase credit card that a business card was placed in my name and cancelled the account. 
XX/XX/23 I received the business credit card in the mail to my home address. Contacted Chase about my personal credit card to confirm no activity and cancelled to get a new card. 
XX/XX/23 will be placing a fraud alert with reporting agencies, file police report and completing information through Chase to obtain information on how this application was submitted. 
I have a personal credit card with Chase bank that contains my email yet they allowed this person to apply and use another email and never notified me of the change of email or addition to my account and used the new email address given. They could have caught the fraud at application.
Consumer complaint received 2023-02-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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 : Account # 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 2022-09-14
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. (GA)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX GA, XXXX DOB : XX/XX/XXXX last XXXX of XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer report information provided by XXXXXXXX XXXX to the Credit Reporting agency by the name of Equifax. While checking my report, it came to my attention that this account is still reporting inaccurate information. Not only is the communication not accurate but all attempts to resolve this issue have failed. I have disputed this with XXXX XXXX on several occasions. This erroneous communication must cease. 

According to 15 USC 1692a ( 2 ), the term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

XXXX XXXX has consistently communicated inaccurate information in regards to the credit builder account account ending in XXXX as well as the credit card account furnished via XXXX. The account has been reporting inaccurate late payments. As the attachment reflects, the account is reporting as current in XXXX of XXXX then reports as 60 days past due in XXXX of XXXX. How can an account be 60 days late in a time span of 30 days? The same incorrect reporting is reflected on the credit card account, on time in XXXX of XXXX then reports 60 days past due in XX/XX/XXXX. 

As per the literal interpretation 'any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information about the late payments for this alleged debt ) by XXXXXXXX XXXX will amount to a communication as per the Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ) I am providing you formal notice to cease any further communications regarding this account immediately. This includes but is not limited to calls, emails, social media, or any Consumer Reporting Agency unless it is to remove the incorrectly reported late payments. 

Any further contact by your agent or Company, except a communication confirming your acknowledgement of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation Sincerely XXXX XXXX XXXX Attachments : 1. Copy of Consumer Report 2. Copy of account inaccuracies XXXX inaccuracies
Consumer complaint received 2021-09-27
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. (IL)

I have a fraud alert on my credit report and multiple times a XXXX account continues to report. All credit bureaus remove the account from my report but Equifax added it back on. They already investigated this matter and removed it but added it back on.
Consumer complaint received 2021-09-27
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: Georgia Student Finance Authority (GA)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NH)

On XX/XX/2021 at XXXX, I received an email from Santander Bank regarding the opening of a bank account that I did not request. The account was attempted to be opened online using my PII. The only mismatch was the phone number. The fraudulent phone number according to Santander was : XXXX Santander said they will mail me an identity theft packet to fill out.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (GA)

I noticed some unauthorized charges appear on my bank account, I checked my wallet and noticed my card was still in my possession but these charges were made online, with my regions card. I also had credit cards that were stolen from my wallet. I immediately alerted the bank and tried to dispute these charges. After a couple days I received an email saying that they had completed their investigation and would not honor my request of refunding me my money. I did not receive any explanation as to how they determined this.
Consumer complaint received 2021-09-27
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Todd, Bremer & Lawson, Inc. (VA)

Someone from the debt collection agency called my wife around XXXX. 

He claimed to not know it was not my number, but this agency has been calling me for months, and they had never called her before.
Consumer complaint received 2021-09-27
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: World Acceptance Corporation (GA)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2021-09-27
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: DISCOVER BANK (PA)

Our credit card was used for fraud charges through XXXX from the end of XXXX through XXXX.We started out as disputing the charges with discover card then we were told by discover that we had to go through the fraud department. My husband had an account through XXXX, where he did sports betting a few times, but that was it. My husband 's discover card and his XXXX XXXX card got compromised through his XXXX account and our discover card got charged over {$5800.00}. We tried to call XXXX with no response so we continued working with discover. We started the disputes in the beginning of XXXX for all of the charges from XXXX to then be told that we had to go through the fraud department. We filed through the fraud department in XXXX after 2 months of this going on with discover. We were told we had to go through XXXX. We were told it was not fraud the end of XXXX because my husband had an account with XXXX. Why do we have 24 hour protection? Just because someone has an account doesn't mean someone can't hack into your credit card. We continued disputing with discover for over a month going back and forth and being told it was not fraud but they were going to continue to investigate. At the beginning of XXXX we called for the 5th time in over a month to discover and were told that they did not investigate all of the {$5800.00} that they were told to investigate and they were going to look into it more. They put a hold ion our account for the transactions and did not make us pay anything after being on the phone with them for 3 hours. They told us we had a credit for XXXX and something they were putting on our account for some of the XXXX charges from the billing department, to later be told the middle of XXXX that it once again wasn't fraud because my husband had an account. The billing department said they found a lot of the charges in our favor and said that XXXX did not answer a lot of the disputes and this was why. It all came from the same account that my husband had through XXXX where he was hacked. Shouldn't all of the charges be forgiven then? We have called 3 times after this and have not paid our payment that was due XX/XX/XXXX and we are not paying anything until this is resolved. There are still {$1900.00} charges that are fraud on our discover credit card that discover is refusing to do anything about and is telling us we need new evidence to open up the case again and have to go through XXXX. I'm tired of dealing with this because it has been ongoing since XXXX and discover has not been any help. We are supposed to have 24 hour fraud protection and just because someone has an account doesn't mean they can't get hacked ; it happens everywhere all the time. If you could be of any help it would be greatly appreciated. After this mess is over with we are cancelling our discover card because of the way we were treated and we will not recommend them to any one again.
Consumer complaint received 2022-12-22
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: SYNCHRONY FINANCIAL (NC)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX 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 a 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 purpose.