davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-06
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: American Credit Acceptance, LLC (IL)

American Credit Acceptance acquired my former auto loan lender ( XXXX XXXX ), this was done XX/XX/2019. After the acquisition, i was told that it will take approximately 90 days to report the loan. I was also told that this loan will be reported XX/XX/XXXX. i have been calling ACA about my information not being reported and they informed me that they are not sure when they will report my loan. 

I have been making montly payments for a car that no longer works. because i dont have an auto loan being reported, i cant get a car without an outrageous rate. All i ask is that my loan is reported so it can reflect the payments i have been making.
Consumer complaint received 2018-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (NC)

On XX/XX/2018 An attempt to increase my credit with Discover was made. The decision was denied due to " insufficient credit history. '' Twice since the account has been opened, increases previously we're made to the account. This is a violation of the ECOA ( Equal Credit Opportunity Act ) under FDIC Compliance section IV 1.1 " a lender may not refuse to extend credit or use different standards in determining whether to extend credit. '' This is far from definition to be fair lending practices set forth by the FDIC. My credit report is far better then previously when the small increases to the account we're made. Which leads me to believe that I am a victim of financial discrimination. As a consumer I would like Discover to be fair in they're practices and adhere to the regulations set forth by the FDIC. This is unjust and illegal. Please investigate.
Consumer complaint received 2019-05-06
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)

XXXX XXXX is showing on my credit reports never had XXXX XXXX. I have lived in XXXX County Florida for 24  years and had XXXX County XXXX XXXX for all 24 years not my account
Consumer complaint received 2018-08-23
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: Credit Plus Inc (GA)

I do not recall paying my XXXX XXXX XXXX XXXX 30 day late. This account was first serviced by XXXX XXXX and mortgage was sold to XXXX XXXX XXXX. I have no past due mortgage and I always pay on time. I need that 30 day late removed from three reporting credit bureaus XXXX, XXXX and XXXX. This has caused lot emotional stress. Please assist with this 30 day late removal.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

There are two bankruptcy accounts on my Equifax credit report that need to be deleted. There were expunged by the court and filled in error. Reference numbers XXXX and XXXX.
Consumer complaint received 2018-09-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (NH)

I got a loan for {$5000.00}. The interest is {$7000.00}, making the amount I'm paying back {$12000.00}. I thought there was a law against charging exuberant interest. 
I needed the money at the time & didn't notice the amount of interest. 
I just think someone should look into One Main Financial & have them review their interest. It's ridiculous!
Consumer complaint received 2022-07-10
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. (FL)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Dear Consumer Financial Protection Bureau, I am writing to dispute several hard inquiries on my credit report. According to my credit report, there have been several hard inquiries made by various lenders over the past few months that have negatively impacted my credit score. 

I understand that lenders have the right to request my credit report as part of their lending process, but I believe that these inquiries were made without my consent or authorization. I have not applied for any credit or loans during this time period and have no knowledge of any lenders or financial institutions conducting a credit check on me. 

As you are aware, hard inquiries can stay on a credit report for up to two years and can have a negative impact on my credit score, which can affect my ability to obtain credit in the future. Therefore, I am requesting that these hard inquiries be removed from my credit report immediately. 

I have already contacted the credit reporting agencies and disputed these inquiries, but I have not received a satisfactory response. I am hoping that your organization can assist me in resolving this matter as soon as possible. 

My credit report clearly shows the unauthorized hard inquiries. Please let me know if you require any further information or documentation from me to resolve this matter. 

Thank you for your assistance in this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-05-06
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. (FL)

XXXX XXXX is showing on my credit reports never had XXXX XXXX. I have lived in XXXX County Florida for 24 years and had XXXX XXXX XXXX XXXX for all 24 years not my account
Consumer complaint received 2018-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

I have a settlement agreement with chase and have been very good and on time with the agreement until the last and final payment. 
I recieved an alert XX/XX/2018 that chase will apply the last payment on XX/XX/2018, instead of XX/XX/XXXX, a week early as agreed.i called them directly not to do it coz I dont have enough funds that time, and that funds will be available on the XX/XX/XXXX as agreed.chase said ok, I just need to call my bank not to pay it and to my understanding that they will re deposit the check as sched XX/XX/XXXX.i was waiting for the final payment check to be cleared after XX/XX/XXXX, but no-they sent it to collection agency XX/XX/XXXX without the courtesy of calling or even answering my calls. 
I am not the type who do this report or complain, I tried so hard despite my having some financial difficulties to pay my dues, but being penalize for the stuff They pretty much have all the control sucks!
Consumer complaint received 2018-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Acceptance Rentals, Inc. (GA)

For over the past year I have been dealing with credit issues pertaining to identity theft/fraud. I have address this matter repeatedly and still have not fully restored my credit. This account appeared on my credit back in XX/XX/2017 and I have been making a conscious effort to remove the frivolous account.
Consumer complaint received 2022-07-10
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: Santander Consumer USA Holdings Inc. (MO)

On or around XX/XX/2022 I received a response from Chrysler Capital XXXX Santander Consumer USA , Inc with threats of " repossession '' which would be a crime of embezzlement Definition : Fraudulent taking of personal property by someone to whom it was entrusted. Most often associated with the misappropriation of money. Embezzlement can occur regardless of whether the defendant keeps the personal property or transfers it to a third party. 
Historically, embezzlement became a crime because thefts were occurring in which the elements of larceny could not be met because the thief had the right to possess the funds ; thus, the prosecution could not prove the element of a trespassory taking. Meanwhile, proving embezzlement only requires showing either that the employee had possession of the goods or funds because of the employees position or that the employee had the authority to exercise substantial control over the goods or funds. Courts determine the question of substantial control by considering the employees job title, job description, and the practices of that particular company. Some states also have fraudulent conversion statutes, which provide for the criminalization of actions that border between larceny and embezzlement. The government can also charge individuals with attempted embezzlement. 

Methods of embezzlement differ. Some embezzlers skim off the top so that they continually acquire a small amount over a particular time interval. This method reduces the likelihood of being caught. On the other hand, some embezzlers steal a very large amount of the goods or funds on a single instance and then disappear. Sometimes company managers under-report income to their supervisors and keep the difference. 

The Internal Revenue Service requires that embezzlers include embezzled funds in their yearly income taxes. Upon returning the funds or paying restitution, the embezzler becomes eligible for a tax deduction. Failure to report embezzled funds as gross income can result in the bringing of tax evasion charges. 

Companies have created safeguards to protect against embezzlement. For example, they invented cash registers to ensure that gross sales equal the deposit at the end of a given day. Companies also divide duties between levels of employees as a form of oversight. Embezzlement in the face of split duties adds the difficult requirement of forming a collusive arrangement and likely requires split proceeds, lowering the payoff for each member of the arrangement. 

See White-collar crime.
Consumer complaint received 2018-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (FL)

I have disputed this charge with XXXX, I have contacted them and informed them, I never had, any contract with them, nor phone services, that I never authorized my name or my social. They call 3-4 times a day, I am an XXXX Veteran on a fixed income, XXXX XXXX XXXX XXXX, I have never ever, signed, anything. This is affecting my credit, and causing me stress, I had a security freeze on my credit report due to this as well and a lock to prevent anyone getting things in my name I unfroze my credit report a week ago., and as you can see in uploaded documents they added and update to my XXXX when I unlocked on the XX/XX/XXXX and XX/XX/XXXX, I am asking THEM TO REMOVE AND DELETE THIS FROM MY CREDIT FILE, AND NOTIFY CREDIT BUREAS OF THIS IMMEDIATELY
Consumer complaint received 2022-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (FL)

N accordance with the Fair Credit reporting Act Account 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 604A. It also states a consumer agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (NJ)

Sunrise Credit Serviced collects for XXXX XXXX XXXX  a utility company. 
I have not lived in this apartment for XXXX years. I called XXXX XXXX when I moved out and closed the account. I have contacted them numerous times. They confirmed it was an internal error on their part and the account was not fully closed. The new tenants never opened and account or paid a bill and were accruing monthly bills on my account that was suppose to be closed. Sunrise Credit Services are using harassment techniques calling more than XXXX a day at all hours as early as XXXX and as late as XXXX. I have spoken with them also the female representative was nasty, used abuse language, threatened my credit report and this is the third time doing this that I have to dispute to get it off my credit.. Each time it is removed. This must stop.
Consumer complaint received 2022-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (PA)

I have been sending dispute letters since XXXX this year, and they never send me a legal verification. Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even providing valid proof
Consumer complaint received 2024-02-03
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. (TX)

I noticed on my credit report there are 4 late payments with XXXX XXXX. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2 : It also states 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 purpose
Consumer complaint received 2019-05-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I recently moved all my cash from my checking account in HSBC and emailed my banking representative to close the account at HSBC. HSBC did not respond but instead charged me an account fee. I contacted HSBC and they refused to close my account due to the balance. By doing this, they failed to act upon my request for closing account and unfairly demand a fee.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have several inquiries from mortgage companies on my credit report with TransUnion each one on there i did not authorize today XX/XX/18 i tried contacting TransUnion to dispute this and let them know i didnt authorize these and they basically told me they couldnt help me and to contact the companies when i said i did already i was told to contact them again, they were no help and very rude talking over me etc and will not transfer me to the fraud department.
Consumer complaint received 2022-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

N accordance with the Fair Credit reporting Act Account XXXX XXXX # XXXXhas violated my rights.

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

15 U.S.C 1681 section 604A. It also states a consumer agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

N accordance with the Fair Credit reporting Act Account XXXX XXXX  # XXXXhas violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604A. It also states a consumer agency can not furnish a account without my w
ritten instructions
Consumer complaint received 2018-09-10
Product: Credit card or prepaid 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 (FL)

XX/XX/2017 I received a letter from XXXX XXXX ( a collection agency ) that they were collecting a debt for Synchrony Bank for {$170.00} and that I owed them the money for a purchase I made in Steinmart in XXXX on their credit card. I told them I did apply for a credit card which I never received. I had never received a statement or credit slip for that amount and If I owed them money why did it take 6 month to hear from them. I told them that I wanted a copy of the credit slip and also copies of the credit card statement and they refused to send it to me and told me to just pay the bill. I told them I would not pay the bill since I never heard a word about it for 6 months and unless they send me what I asked for do not contact me. I then called Consumer Affairs and filled out their paperwork but it took them months to hear from the collection agency who said they were no longer on this case. I also called the bank and they cancelled the card since I told them they I have never received anything from them since they did not have my apt # and mail is not delivered without it.. They closed out the card and issued me a new card number but I have no idea why. I filled out a fraud complaint for the bank and once again I asked for a bill but to no avail. I called Steinmart and they could not give me a copy of the bill since they send them to the bank at the end of the work day. I called the bank several times but they never sent me a copy of what I asked for. Finally out of frustration I told them I was going to the Attorney General Office ( which I did XXXX and that is when they admitted they have a copy of the bill which was for {$66.00} but I would have to write their recovery department to get the bill which now was up to {$220.00}. After all the calls and the paperwork I did they were sitting on the bill never sending me the bill even though I requested it several times. Funny but I shopped in Steinmart in XXXX & XXXX with my other credit card and paid the bill so why would I not pay the one in XXXX. I also called the credit reporting agency having this bill put into dispute since my XXXX Fico score has gone down because of this problem. I told them that they had a collection agency contact me but would not send me a copy of what I asked for. The person I spoke to at the credit card agency told me that the bank never disclosed that they had a collection agency contact me but that I just never paid the bill. Well that was a big lie. I am a XXXX year old woman who believes this is one of many banks taking advantage of seniors by ignoring all the mail and calls and just letting the interest grow. Funny but I had done business with XXXX of XXXX with a {$1200.00} bill and also with XXXX XXXX XXXX with a {$1.00}, XXXX and this bank was the creditor for both and I paid both those bills. I am through doing business with department stores credit cards..
Consumer complaint received 2024-03-05
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. (SC)

I looked at my report on XX/XX/year> and noticed some things that are inaccurate and incomplete. I sent a letter to Equifax on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix anything. THEY ARE BREAKING FEDERAL LAW!!! 
ACCORDING TO : 15 usc 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 usc 1681 I ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. AND 15 usc 1681 s-2 ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. THIS IS UNFAIR AND ILLEGAL! If theyre doing this to me imagine who else theyre doing this to. They must be blind because everything is inconsistent. Can you fix this ASAP?
Consumer complaint received 2019-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I made a request to block my credit card from Capital One and my credit card number was changed. I was outside of the United States so I called the credit card company to see if there was any way for me to use the credit card account before the card was mailed to my US address. After a lengthy conversation, the company representative notified me that I would have to wait for the credit card to be mailed to my US address so that I can confirm the card information. Now, after two weeks, I called back to question whether the card was shipped since I have had family check my mail to find the credit card. Upon calling them, they notified me that they did indeed change my credit card number on the account but did not mail my credit card. I believe this to be an unfair business practice ; to change my credit card number AUTOMATICALLY and then not send me my new credit card in a timely manner EVEN after a call to the company to make sure the card would be available to me as soon as possible.