davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (AZ)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXX has failed to properly validate this account and has slandered my personal credit profile. I sent them a letter XXXX XXXX in which they failed to respond with justifiable proof in the allotted time frame. At this point my rights have been violated and my personal credit profile slandered. According to these laws there's nothing more to discuss 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 also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-05-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.
Consumer complaint received 2022-11-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

Experianclaim they couldn't find my information about any debt I suppose to owed.I couldn't understand why not.Same account number But different collection agency with Different amount
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

I filed a complaint with chase for 2 charges to my account on XX/XX/21 the charges were refunded on XX/XX/21 then charged back again on XX/XX/21. I have tried for a month to fax over m6 paperwork to chase and it never went through. I then spoke to the claims department to get the mailing address and mailed it. I had been calling back to check but they kept telling me it's not completed. Now today I was told that the company XXXX sent in proof of the charges in XXXX. I was never notified or received this information. I have proof that I could not of made these charges because I was flying from XXXX OH to XXXX XXXX fl. I want these charges reversed along with the overdraft fees
Consumer complaint received 2022-05-13
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. (CA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX TransunionXXXX XXXXXXXX XXXX XXXX ) XXXX Has all violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i have a checking account and recently i get laid off from my job i accidentally make a mistake transfer money to another account and on XX/XX/XXXX i got a return fee XXXX dollars take out from my account i talk to the bank about my situation but the customer service don't want to help.
Consumer complaint received 2022-05-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NY)

CA has been calling on weekend and never calls on weekdays. 

CA has been harassing me with unlawfully repetitious collections calls, and overcharging me on their deficiencies. 
They sent my voucher book to the wrong address in XXXX. Charged me {$25.00} late fee. 
During the pandemic promised to freeze the late fees but called every week on sunday and harrassed. Until I told them When I bought the car I was rushed by the sales man and nothing was mentuoned about the high interest fee. 
borrowers were subject to hidden finance charges because of which the companys loans exceeded the usury rate ceiling of 21 %. 

Credit Acceptance violated state consumer protection and debt collection laws and regulations.It was alleged that Credit Acceptance made unfair and deceptive auto loans to thousands of consumers in NY, provided investors with false or misleading information regarding auto securities they offered, and engaged in unfair debt-collection practices.Healey said in a statement, Thousands of NY consumers, many of them first-time car buyers, put their faith in CAC to help them with an auto loan, but were instead lured into high-cost loans, fell deeper in debt, and even lost their vehicles.Per this lawsuit, since XXXX, Credit Acceptance failed to inform investors that the pools of loans that were packaged and securitized were topped off with higher-risk loans despite claiming otherwise to investors.
Consumer complaint received 2015-04-28
Product: Credit card — 
Issue: Balance transfer — 
Company: TD BANK US HOLDING COMPANY (NH)

I transferred part of TD Bank balance to XXXX credit card, the transaction date was on XXXX/XXXX/15 however my TD card did n't reflecting the transferred amount on my balance until the time i wrote this message, i contacted them several times, they keep telling me that the trans action may take several weeks to be processed, i think there is no justification on what they are trying to do other than charging me as much as they can on amounts i awe them and it is a good example of unfair treatment from big organization toward a little consumer.
Consumer complaint received 2022-05-13
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 — Was not notified of investigation status or results
Company: CREDIT ACCEPTANCE CORPORATION (TX)

I've sent in dispute letters requesting the company verify and validate information appearing on my Consumer Report. My consumer report is reporting erroneous information. Which is hindering me from obtaining higher credit limits obtaining higher credit limits and it's also showing me as a risk.

In accordance with the Fair Credit Reporting act, this company has violated my rights according to the following :

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2022-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (IL)

on XXXX XXXX I sent for validation under the FDCPA i have the right to request and receive validation of the Dept. never recived any info and I demand its removal from all consumer files. it's XX/XX/XXXX and still has not recived anything it is harming me from getting credit. they are in violation of the consumer law 806 harassment and abuse 807 False or misleading representations 808 unfair practices 809 validation of debts
Consumer complaint received 2019-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Collections U.S.A., L.L.C. (FL)

I received a phone call from this debt collector attempting to collect a debt from me. I am for certain that I do not owe your company any money. I have never done business with you. In fact, I had never heard of your company until having received a call. What I find strange is your attempt to collect the debt with me when I don't owe you any money in the first place! Please see this notice as me disputing this alleged debt with your company as well as requesting debt validation. Send me legal supporting documents bearing that I've done some type of business with you, hence owing you money. I do not have a signed contract nor any contract with CREDIT COLLECTIONS USA. I have never done business with this company. I am not liable for collection from this debt from CREDIT COLLECTIONS USA. I am not responsible for this debt with CREDIT COLLECTIONS USA. Also upon further review of my own this company is to furnish me with verification/valdiation of this debt.
Consumer complaint received 2023-03-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Byrider Franchising, LLC (NC)

This Rescission notice is made Pursuant to 15 U.S. Code 1635 ( a ), as I was never told I had 3 days to rescind the agreement. Neither was I given the notice that comes along with all consumer credit transactions. J.D. Byrider failed to clearly & conspicuously disclose all my rights as a consumer including but not limited to my right of rescission.

I participated in a consumer credit and not a loan ; Pursuant t

o 15 U.S. Code 1602 ( i ). Take further notice that Pursuant to 15 U.S. Code 1605, the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, which was never disclosed to me b
y your organization in direct violation of this law.

J.D. Byrider also accepted a CASH down payment of {$200.00} violating 15 U.S. Code 1605 which clearly states : The finance charge does not include charges of a type of payable in a comparable transaction.

Pursuant to 15 U.S. Code 1611 ( 1 ) ( 3 ) ; one can be fined up to {$5000.00} or face imprisonment for up to one year, or both, for giving false or inaccurate information or fails to provide information which he is required to disclose. In this case you, J.D. Byrider, willfully violated this law when you failed to disclose and provide all information clearly to me as a consumer.
Consumer complaint received 2022-05-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home American Mortgage Corp (PA)

We are building a home with XXXX XXXXXXXX XXXX. They offered a promotion on the house if we used their loan officer at Home American Mortgage. We signed our papers for the loan months ago and paid our deposit. We thought that our rate was locked in the day we signed. This week when the rates increased we were told that our rate increased over 2 points. The loan officer did not contact a head of time and did not return our phone calls. With this increase we can not afford our house.
Consumer complaint received 2022-05-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO. (NY)

I have an outstanding debt with Chase Bank. I called to settle this debt in XX/XX/XXXX. I am not residing in the United States, have no current plans to return to the United States, and I have expressed this to the Chase representative. During the call, a settlement amount was discussed. The Chase representative assured that a letter would be sent to my mailing address for me to confirm the settlement amount, however, this never happened. 

I called Chase back XX/XX/XXXX, to inquire about the letter. There was no explanation, and the settlement now " needed to be renegotiated ''. I reiterated that I was unable to pay the full balance, and that I was outside of the country. Due to me not having a job, or stable income, I decline a payment plan. I let the Chase representative know that I was able to make a lump sum payment but a payment plan was unrealistic. A settlement was not reached and I was told the debt would be sent to a law firm. 

XX/XX/XXXX, I received confirmation that the debt was sent to a law firm : XXXX, XXXX, XXXX, XXXX. 

I contacted the law firm XX/XX/XXXX, I was told a letter was sent to my mailing address XX/XX/XXXX. This was never confirmed, I am not there to receive the mail personally and my family did not receive it. I mentioned that I wanted to settle this debt, explained my financial troubles and that I am living outside of the country. A settlement amount was offered that I had to decline. The law firm representative suggested that I get a job and call back when I can pay the amount offered. 

I spoke to another representative XX/XX/XXXX. I further stressed that I am living outside of the country on limited funds. I asked for a lower settlement amount, it was denied. I was told that all I could do was keep in contact ; I should call back. I explained that I am living in XXXX, offered my phone number and email address. The rep refused email communications. I was informed that a summons was sent to my mailing address XX/XX/XXXX. 

I called and spoke to a law firm representative XX/XX/XXXX. I stated that I still wanted to settle my outstanding debt. No change in the amount was offered. I was told that I am being sued and it was suggested I seek legal advice. I confirmed that a civil case docket exists and it was filed XX/XX/XXXX. 

I did seek legal advice, and I was encouraged to contact the CFPB.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc. (KY)

After doing several disputes with XXXX, XXXX, and XXXX. I am still not getting the investigation that I asked for. By the credit bureaus not doing the investigation it is allowing negative remarks on my credit report. Enclose is the information that I sent to all of the Bureaus and the Creditor asking for validation. The information was completely ignored from creditor Santander Consumer. All three failed to do an investigation before reporting false information. Santander Consumer failed to respond several letters
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AR)

XXXX XXXX XXXX CARE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone : ( XXXX ) XXXX RE : Account # XXXX Hey guys, I was going over my credit report and I wanted to get an account validation. 
Im in the process of getting my taxes and things in order and this is just something that I feel needs to be taken care of aswell. 
I am exercising my right to request validation on any debt that is alleged to me. 
In this climate of data breaches and such, I just need to be absolutely sure that none of my data has been compromised and used without my authorization. 
Im basically asking that you provide me with competent evidence that I personally have a legal obligation to pay you and that you are actually who you say that you are as well. 
When your offices provide the proper documentation as requested in the following declaration, I will need about 30 days to investigate this information. During such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
Im not looking to have you verify my name and address. Im actually looking for a few specific details and I will go ahead and list them below. TIA
Consumer complaint received 2021-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (GA)

To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

{ Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights . I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

These items/accounts are reporting late as reported in my 3 Credit Bureaus . Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

My XXXX Credit Report reflects multiple collection accounts for the same alleged debt. Derogatory marks include a collection from a Kohls, as well as 2 accounts for Capital One, NA ( which I believe are duplicates again, like my Liberty Mutual duplicate accounts ). XXXX XXXX, The Bureaus AND Kohls are all reporting collections. Kohls credit card IS Capital One, N.A, and not a separate account. This is causing 3 collection accounts o my credit report. I have also satisfied the balance with XXXX, and therefore these 3 should be removed rom my account.

I requested the Bureaus send me ALL documentation associated with this alleged debt, including all applications, and ALL statements from the original creditor, and all I received was one billing statement from the Bureaus. ( Nothing rom Capital One, N.A. ). 

These debts need to be removed rom my credit report for all of the above stated reasons.
Consumer complaint received 2020-11-10
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. (MD)

Inaccurate debt collection Item was first disputed in XX/XX/2020 was successfully deleted from my credit report. Later returned in XX/XX/2020 disputed again in XXXX to Experian but was not removed, mailed certified letter to collection agency XXXX XXXX XXXX on XXXX XXXX ; for debt validation no response received within 30 days. Contacted Experian in XX/XX/2020 to have inaccurate information removed and it has not been completed. XXXX, XXXX {$820.00}.
Consumer complaint received 2021-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

I pulled my credit report last month ( XXXX ) and the following company was listed : Helvey & Associates This company did not contacted me or send me a letter about a debt I owed so that I could dispute it.
Consumer complaint received 2023-03-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TX)

I want my mortgage company to send me my mortgage STATEMENT!! Not payment stubs which are unless and provide not information I am after. I shouldn't even have to go through CFPB to try to get this. They should be sending me this each month. And again, I DO NOT WANT ANY PAYMENT STUBS!!!!!! I want a MORTGAGE STATEMENT!!!!!! There is a big difference between the two. Let 's see if SLS and CMC know the difference.
Consumer complaint received 2022-05-13
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: Experian Information Solutions Inc. (TX)

FCRA violations : inquires not mine XXXX  XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXXE Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX Balance {$130.00} XXXX XXXX account. $ XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$400.00} Status Account charged off.