davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

I paid off a loan I had with Credit Acceptance over a month ago at the end XXXX. As of XX/XX/XXXX I still have not received the title or the {$40.00} refund for over payment. They claimed they sent it to me over 2 weeks ago along a check. Their response to my numerous calls was to keep waiting, which I did, even though I had already sold the car to someone else. I spoke with XXXX and she stated that I could pay for a duplicate title which I stated I didnt lose the title, they did, and should have to pay. There was no tracking number for what they allegedly sent. I need this to be resolved ASAP.
Consumer complaint received 2022-07-07
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. (TX)

I am writing Complaint due to the fact XXXX, XXXX and Experian fail to keep proper and accurate records of my Credit reports. I have been the victim in the past of identity theft, and reported such report to the XXXX major Credit bureaus and the secondary ones like XXXX, XXXX and XXXX. To date despite me writing and requesting a RE-investigation to XXXX ; XXXX continues to send me post cards of " unacceptable proof of Address '' and various requests what appears to be delay tactics which in turn is hurting my credit scores and ability to make purchases in my correct credit rating. DUE TO THE FACT XXXX and XXXX fail to keep 100 % ACCURATE information and proof of verifiable and true reporting. To date XXXX still reports false allegations that the US Courts is a furnisher on my credit report, which is 100 % INACCURATE AND FALSE according to the Court. And UNDER the Fair Credit Reporting Act ( FCRA ) XXXX, XXXX and EXPERIAN credit reporting bureaus is VIOLATING my federally and state protected consumer rights to privacy and confidentiality under 16 USC 1681 and 15 USC 6802 ; The law clearly states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2019-08-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WA)

EQUIFAX, INC did not come close to answering my question about why they reported a zero or a N/A to creditors of mine for a loan. Not a friggin credit score that was done months ago. Cut the XXXX and explain why i am paying a XXXX load of money I shouldn't be. I am sending this complaint to the attorney general of Washington state.
Consumer complaint received 2022-09-26
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. (TX)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-07-07
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. (TX)

I am writing Complaint due to the fact XXXX, Transunion and XXXX fail to keep proper and accurate records of my Credit reports. I have been the victim in the past of identity theft, and reported such report to the XXXX major Credit bureaus and the secondary ones like XXXX, XXXX and XXXX. To date despite me writing and requesting a RE-investigation to Transunion ; Transunion continues to send me post cards of " unacceptable proof of Address '' and various requests what appears to be delay tactics which in turn is hurting my credit scores and ability to make purchases in my correct credit rating. DUE TO THE FACT XXXX and Transunion fail to keep 100 % ACCURATE information and proof of verifiable and true reporting. To date Transunion still reports false allegations that the US Courts is a furnisher on my credit report, which is 100 % INACCURATE AND FALSE according to the Court. And UNDER the Fair Credit Reporting Act ( FCRA ) XXXX, TRANSUNION and XXXX credit reporting bureaus is VIOLATING my federally and state protected consumer rights to privacy and confidentiality under 16 USC 1681 and 15 USC 6802 ; The law clearly states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-07-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

I had a student loan balance with XXXX XXXX XXXX XXXX. I then decided to refinance with XXXX, who made the payment to XXXX XXXX in XX/XX/2021. They did not pay the correct amount ( they were short by {$2.00} ) meaning I had an outstanding balance since then, which has been accruing interest. For some unknown reason XXXX didn't make the correct payment amount, and XXXX XXXX did not communicate to me that I still had an existing balance. I should have checked with XXXX XXXX, but I assumed that XXXX had done this properly.
Consumer complaint received 2018-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

Upon graduating and working one full year, I called my loan company to discuss loan forgiveness. I had a very detailed conversation ( notes saved!! ) with a man who explained exactly what I needed to do- sign up for automatic payments and then with a year to go before I make all 120 payments, complete the certification and the loans will be forgiven. So, listening to the official loan representative, I did just that. Worked in an eligible and certified place, completed the paperwork, was approved, and they tell me one of my 110 payments was eligible for forgiveness because, despite me asking this gentleman SEVERAL TIMES, my repayment plan, that he set me up on, wasnt eligible. The amount Ive paid monthly is more than the other eligible repayment plans too. 

I feel as though Ive been scammed! Was I given misleading information so they could continue to make money?!?!
Consumer complaint received 2017-06-02
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: JPMORGAN CHASE & CO. (FL)

XXXX   XXXX   XXXX   client  XXXX   XXXX   XXXX  is an identity theft victim. Someone used her information to submit applications to several creditors in an attempt to open credit accounts without her consent. Each agency was notified at the time of the submission on the application and advised the application was fraudulent and done without the consent of  XXXX   XXXX . She was told at that time the applications were being terminated and the inquiry generated was being removed from her credit reports. In two cases formal disputes of the inquiries were sent certified mail with return receipt to the creditors in an effort to have the inquiries removed however those efforts have failed ; all of these actions are a violation of the FCRA.
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Same old same old- just recording for legal purposes.  Information never correct even after dispute. I check with lenders and they CLAIM they have rectified it. Experian did not allow me a dispute again. Lenders claim they " were '' not notified by Experian. My core has not gone D O W N even with numerous corre ctions.
Consumer complaint received 2023-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (FL)

On or around XXXX  to XXXX  I saw alot off of pre approvals on Credit Karma. At first, i wasnt sure about it but Credit Karma kept sending me all sorts of different pre approvals telling me that i would be approved for credit cards, personal loans, and refinancing my car. I would log in everyday and see these offers when checking my credit score. After a few months of seeing these offers about being pre approved I thought it was the perfect time to finally apply. I got so many offers through credit karma i started telling my whole family about them planning for future vacations and investments thinking i was already pre approved. I applied for 4 different loans and a credit card in XXXX  and XXXX  and got denied. I was so angry and i felt deceived. I was being told for months that i would be approved by Credit Karma, this was a lie. I was severely stressed out for weeks and fell into a depression along with having migraines on a day to day basis. now i dont trust anyone or anything when it comes to credit incentives and credit checking websites.
Consumer complaint received 2022-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (AL)

Acct # : XXXX that ended in an eviction filed XX/XX/XXXX due to IDENTITY THEFT. Original Creditor XXXX XXXX has allowed Columbia Debt recovery LLC ( dba Genesis Management ) to report a 'identity theft ' debt to all 3 credit reporting agencies even though this is a serious violation of the FCRA Section 605 ( B ). This fraudulent account was established in XXXX XXXX. A police report and an FTC report were both filed in XXXX, please see attached document. This account fraudulently associated with XXXX XXXX needs to be squashed immediately!
Consumer complaint received 2022-12-15
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. (VA)

In Accordance with the fair Credit Reporting Act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A. 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 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2022-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (MD)

On XXXX XXXX, Comenity Capital Bank took over the XXXX XXXX XXXX  XXXX XXXX from XXXX  XXXX XXXX. From XXXX to XXXX we had charges of {$3600.00} on this card. The bill we received on XXXX was still from XXXX XXXX XXXX and we paid it in full with check # XXXX for {$3600.00} ( had few cents credit from prior bill ). Mailed to XXXX XXXX XXXX XXXX financial devices in XXXX, DE XXXX. For unknown reasons, this check was not cashed and forwarded to Comenity Bank until XXXX. As a result, Comenity has charged me {$38.00} interest and {$28.00} late fee. Both of these charges I dispute as I paid the total card charges on XXXX which is XXXX weeks before the due date ( cancelled check clearly shows this ). I can not be penalized with interest charges due to the problems XXXX XXXX XXXX and Comenity Bank had in handling over the XXXX XXXX business. Despite multiple phone calls to Comenity Bank, I have been unable to get this resolved and continue to get threats about reporting to the Credit Score agencies..According to my charges and payments, they actually owe me about {$5.00} but that is to be sorted out later once interest charge is removed.
Consumer complaint received 2022-03-22
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. (NY)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-09-26
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. (MI)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 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 purposes.
Consumer complaint received 2019-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (AR)

I lost my job call the car company to forfeit the car. They tools 9 months to repo it. They sold The car 12 months after they re-polled it then charge me for the balance two years later the account was closed and it was considered a charge off. Today I got a phone call from my debt consolidating company that tried to collect {$3200.00} on this loan that has been closed and now they have applied it to my credit and said they will be garnishing my check. I voluntarily turned it in. And they closed the account
Consumer complaint received 2019-08-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

Today, I called Navient about information on my loan. Yet again, they can not give me details. It is if they just made it up and I am supposed to agree and abide by that. I have done this several times. They send me from one department to another. I am seeking the payments recieved, the amounts, when they were recieved, and from what account. My bank does not have any record of this nor do I have recollection of what they have posted. They have changed, re-aged, and falsely reported everything from the amount owed, payment dates, to interest, charged off dates, and balance owed. This is all done to keep it on my credit. I have no problem making payment arrangements to them but I need correct information, detail, all mailed to me. They are known for falsifying things. They refuse to. They just send me a print out of what they typed in I owed. They give me nothing so I can do my own research. I do not trust them for good reason. Millions of people have been duped by them. I am unable to secure high employment, a home, and decent life due to their continued false reportings. I need your help in getting this information. I feel that they are reporting this on my credit well past the legal dates by using false info. Please help. If they can not give me this info, then I want it removed immeidatly for good. Again, I am not refusing to make payment arrangments with them. I am seeking a correction to this issue or I may have to take legal action myself.
Consumer complaint received 2019-08-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

Interoffice emails from banking officer internally deleted. One of the six survived & XXXX XXXX started a review. They can't go d deleted emails or review. ( Repetitive patterns of lies and incompetence as in poor follow through modification reqhezts. Can't find those either ). 
Hired attorney to find out why they didn't let me apply. They stonewalled him, still did not let me apply & now say they would only communicate with him in the bankruptcy but this was two years before the bankrt (? ). Absolutely Kafkaesque! 
XXXX said they would not let me apply for a new loan ( illegal ) & said the advertised rate on the radio was not offered ( violation of her in advertising ). Repetitive patterns of illegality. 
XX/XX/XXXX bankruptcy filing withdrawn on XX/XX/XXXX, not dismissed in XXXX.
Consumer complaint received 2017-07-05
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (CT)

I sent a letter of validation to Credit Acceptance on XX/XX/XXXX Certified and it was picked up on XX/XX/XXXX, XXXX XXXX by an individual from Credit Acceptance. The letter was never acknowledged and I did not receive a response from the company within 30 days as I requested. I stated in my letter to comply by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) which they disregarded. I sent another letter to Credit Acceptance on XX/XX/XXXX Certified and it was picked up on XX/XX/XXXX,  XXXX XXXX by an individual from Credit Acceptance. They sent me a letter onXX/XX/XXXX without all the information I had requested on my previous two letters and 60 days from my original letter. They did not comply with my request. I sent another letter to Credit Acceptance on XX/XX/XXXX Certified and it was picked up on XX/XX/XXXX,  XXXX XXXX by an individual from Credit Acceptance requesting to remove this item from my credit report within 10 business days due to not complying with my previous two letters or I will have to take legal actions. They disregarded this letter also. This company has not complied with my letters or the Fair Debt Collection Practices Act, 15 USC 1692g Sec.809 ( b ). I am requesting this item to be removed from my credit report.
Consumer complaint received 2017-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

On the morning of     XXXX   XXXX      2017 I lo gged in to my  XXXX  checking account to check my balance. There was an {$85.00} ACH withdraw from my account for a payment to a  Kohls  credit card with the name  XXXX   XXXX . I do not have a Kohls credit card. My wife does, but we use a different checking account to pay her bill. I first verified that the payment did not somehow go to my wife 's card. It did not. I contacted my bank and they told me I had to submit an ACH charge challenge to have the matter investigated and have the money refunded to me, but it could take as long as 45 days. They advised me to contact Kohls and explain to them what happened and that they could possibly remedy the situation faster. This is where my actual complain starts. I contacted  Kohls  and explained to them what was happening. They stated there was nothing that they could do and that they could not find the transaction I was referring to.   Here are my complaints :  1 . I do not believe a company should be allowed to process financial transactions if they do not have the ability research and find the transactions they process.    2.  I believe a company should be required to take some kind of action when they are notified that possible fraudulent activity has occurred.    3.  I believe their should be some kind of consumer protection for innocent victims, such as myself, that requires a company to take some kind of action when they have negatively impacted someone financially.  <P/> I filed a complaint th rough the Better Business Bureau . The response from Kohls was essentially them stating there was nothing they would do. A company should not be allowed financially harm someone and then do nothing to assist in the solution.