davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (TX)

CREDIT ACCEPTANCE CORPOR XXXX XXXX XXXX CREDIT DISPUTE DEPT XXXX, MI XXXX The above referenced company does not provide any type of verification of account history, payments etc. I have made my payments that apparently, a few were not applied accordingly causing an issue. Without receiving any type of monthly statement or access to online account I was not aware of an issue until I called in for verification. This account is set up on biweekly payments but because of the initial issue, it is continuously running behind. This is only adding late fees and additional interest I should not be responsible to pay. I have no idea of what my balance is or when my payments post. I contacted this company to get assistance on updating the account and was told there was nothing they could do until I pay the past due amount. I make my full payment every month. This is outrageous that they can bill me for late fees and additional interest without providing me access to see the activity on my own account. They are reporting this account as constantly delinquent.
Consumer complaint received 2022-03-08
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: Experian Information Solutions Inc. (MN)

I disputed the XXXX XXXX XXXX that I no longer are a signature card holder..its still on my credit report..I contacted XXXX and they had already sent the info to the credit Bureau and as of today it's still on my credit
Consumer complaint received 2018-08-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (PA)

I just opened a XXXX XXXX and noticed Derogatory marks from Americollect XX/XX/2016 saying I owe them {$440.00}. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this so called loan. I would like this off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.
Consumer complaint received 2017-01-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The situation is how I have complaint about a company named XXXX XXXX XXXX violated the Fair Credit Reporting Act, and they responded back saying they would delete any trade line with all the credit agencies. So far, they have done just that with XXXX and XXXX, but Trans Union have not deleted the item yet. I do n't understand why. I have proof of my investigation by CFPB. I have a complaint with TransUnion because I had written them a letter about an entry with a company named XXXX XXXX. My letter is dated XX/XX/XXXX-XX/XX/XXXX and TransUnion have violated the FCRA. They were suppose to get information from the company XXXX XXXX a contract or something that is bearing my signature informing them that the account is mine. They have not responded to my letter and it 's past the 30 days mark. Trans Union have provided the statement of disputed by consumer in the statement entry on my credit report. I want the company name XXXX XXXX to be deleted immediately along with XXXX XXXX company to be deleted. Trans Union will be able to see the prove to delete this item XXXX XXXX XXXX from my report immediately. My next letter to Trans Union is a letter about going to go to a small claim court in my city, and state, if I do n't get a response to this. I have written to XXXX and XXXX the same letter about investigating XXXX XXXX and they all have responded back saying it 's still pending or they will need more time. Trans Union have not responded at all to my letter pertaining to this company-XXXX XXXX. I want Trans Union to delete XXXX because Trans Union have violated the FCRA law and I want XXXX Finance to be deleted because they were suppose to have Trans Union to delete the entry. They have not deleted the entry yet while XXXX and XXXX have already deleted the entry. 
In summary, Trans Union have violated the fcra law by not providing the Disputed by consumer statement onto my credit report within the XXXX XXXX account. Trans Union also have not deleted the XXXX XXXX XXXX entry from my credit report which they are suppose to do after they have reported to them to do so. Also I have a letter that I have written to XXXX XXXX that I disputed the account and wanted them to show proof that the account belong to me by obtaining a contract with my signature, they never responded back, and I have proof of my letter to them to proof to Trans Union XXXX XXXX also broke the FCRA law as well.
Consumer complaint received 2019-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MO)

I have sent SANTANDER and XXXX both multiple letters of verification. I've requested both SANTANDER and XXXX to verify this account. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.
Consumer complaint received 2018-08-06
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: EQUIFAX, INC. (PA)

I just opened a XXXX XXXX and noticed Derogatory marks from XXXX XXXX XXXX one on XX/XX/2018 saying I owe them {$1300.00} and another on XX/XX/2018 saying I owe them {$880.00}. I called the company explained to them it was fraud they said they were going to look into it within 30 days should be removed. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like this off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.
Consumer complaint received 2023-01-30
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. (NC)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2024-02-29
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. (FL)

XXXX XXXX is in violation under 15 U.S. Code 6802, 18 U.S. Code 1028A, 18 U.S. Code 894, 15 U.S. Code 1681 ( a ) 4, and Under Florida Statutes 817.568, the fraudulent use of personal identification information without authorization is a felony offense
Consumer complaint received 2019-04-20
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. (MN)

THE NEGATIVE ITEMS DOES NOT BELONG TO ME, THOSE NEGATIVE ITEMS HAVE BEEN DAMAGING MY CREDIT WHICH I WAS UNAWARE OF. PLEASE DELETE THE NEGATIVE ITEMS OFF MY CREDIT.
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I have XXXX student loans in forbearance with XXXX totaling approximately {$4400.00}. Of that amount {$XXXX} is a subsidized loan with a principal balance of {$XXXX} and {$XXXX} interest opened XX/XX/XXXX. The next payment is due XX/XX/XXXX. 

Also on my report is an account with XXXX XXXX XXXX with a balance of {$XXXX}. This account is in collections and it was originally opened XX/XX/XXXX. 

The account in collections ( XXXX  ) is a duplicate of the account thats in forbearance ( XXXX ) and has caused me an issue obtaining a needed automobile loan as recent as XXXX XXXX.
Consumer complaint received 2018-08-06
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XXXX called my place of employment a few weeks ago the receptionist has to come tell me I have a call in front of my clients and co workers and the caller states their name and states it is a personal matter. I have a XXXX XXXX and these calls threaten the integrity of my job to receive these calls at work. My vehicle was totaled by a hailstorm in XX/XX/XXXX. In XX/XX/XXXX Capital One was paid the value of my vehicle by my insurance company. Capital One has already hired a third party to collect the balance. The 1st call from XXXX to my job I specifically told the Rep the situation and demanded they not call me at work again. I received a 2nd call a week or so later and the receptionist let me know while I was facilitating group counseling that a Rep with XXXX XXXX XXXX   was calling onpernal matter. She saw the comp name on the caller ID so now my boss knows I am getting numerous calls at my job. We have never been allowed personal phone calls at my job. I work at a XXXX XXXX XXXX XXXX that is very busy. Today I received a 3rd call at my job after numerous request to never be called here again. XXXX called me today and I informed her I was filing a complaint on XXXX XXXX XXXX for violating debt collection laws 3 times.
Consumer complaint received 2021-05-29
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. (GA)

XXXX, Experian, XXXX  have failed to respond to my dispute about unauthorized and unverified inquries. Irequest I sent a dispute letter on XX/XX/2021 received no response, XX/XX/XXXX I sent a 30 day compliance letter to follow up I still haven't received a response and accord to the FCRA its mandatory that I receive a response.
Consumer complaint received 2016-08-21
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (AP)

This is a follow up email regarding my original complaint, # XXXX. On XXXX/XXXX/2016, I made an online payment to the wrong credit card company/a closed credit card account in the amount of {$3600.00}. JP Morgan Chase sent a check to the address on file, my former employer, the Federal Bureau of Investigation, which was received on XXXX/XXXX/2016. The check was to be forwarded to the FBI 's XXXX XXXX office in XXXX, XXXX, since I currently reside in XXXX. As of XXXX/XXXX/2016, I have not received the check, and the XXXX XXXX office of the FBI said they would have received it by now. Apparently, the FBI lost my check in their internal mail system. JP Morgan Chase advised they can reissue a check, but it will again be mailed to my previous employer. I have not worked at the FBI for almost 15 months and would like to know what other options there are for resolving this ongoing situation.
Consumer complaint received 2016-08-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I went into a local Chase Branch around XXXX to open an account. I found out there had been an open account under my information that was not mine. I disputed the information with Chase and sign all their affidavits etc - they had promised me that once I had fullfilled all there request that I could then open a checking and savings account. Finally back in XXXX I got a letter from chase telling me that I was not liable for the account and all the fess and information would be deleted. ( please refer to the second page of the attachment for this information. ) On the second page of the letter they sent me they stated I could open an account again. I went into a branch today XXXX/XXXX/16 to open an account. Before the rep even got all of my information she said because there was an open fraud case in the past they would not be able to open a account for me. I explained to her that it was closed - and I was found not at fault and was promised to open an account once it was all said and done .She said there ware nothing she could do.
Consumer complaint received 2018-08-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Credit Corporation (CA)

Hello, I applied for a Loan with Avant Approx XX/XX/2018, it was for XXXX. Avant collected all of my Information, bank statements, Income Verification, Etc. I have used Avant previously with 2 different Loans totaling {$8700.00} and successfully paid back in less than a year on both loans, I have a 100 % excellent payback history with Avant. 

Avant Mis-Informed me about Reapplying & the affects to my Credit Report. 

My complaint is that after my loan application for {$10000.00} was denied, I called to Inquire, Avant Customer Service Reps told me that wait ( 30 )  days & apply again either by phone or log into my account & follow instructions on my account page, I did exactly what they told me to do BUT they MISLED me because when I logged into my account 30 days later, Avant sent me a text with another denial? I called inquiring about this text message of denial, The Customer Service Rep told me I applied for another loan too soon, I DID NOT apply again for another loan, all I did was Log into my account, NOW the CSR said I would have to wait another 30 days from XX/XX/XXXX. My Complaint is that Avant MISLED me to wait 30 days, Call Back or Log Into my Account 30 days after original application, I Followed their protocol & was MISLED again & denied to Apply within 30 days, which IMPACTS my credit score because I will now have another Hard Inquiry & I will possibly have a denial from another Loan Source
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

The agency has never received consent from me to have my information. According to the Fair Credit Reporting Act, a permissible use is written consent and directions from me as the owner of the consumer report. I am instructing your consumer reporting agencies to remove address XXXX XXXX XXXX, XXXX, PA XXXX.
Consumer complaint received 2021-04-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-03-16
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. (WI)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 601 states I have the right to privacy. 15 USC 1681 Section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC section 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 2022-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

At the beginning of XXXX I received an offer from Capital One for a credit card with 0 % APR on purchases and transfers until XX/XX/XXXX. I applied and was approved and on XX/XX/XXXX I received, by USPS, the document " Capital One Account Terms. '' On page 2 of the document, it confirmed that the offer is " Annual Percentage Rate ( APR ) for purchases and transfers - 0.0 % Introductory APR through your XX/XX/XXXX billing period. ( see attached ) I received my capital one credit card via USPS at the end of XXXX. On XX/XX/XXXX I called to activate my card and do a balance transfer. I was advised by the Fraud specialist that this offer was not on my account. He contacted several different departments who also stated they did not see the offer on my account. I was transferred to the account supervisor. She advised me to login to the website and attempt a transfer. I received the following message : There are currently no Balance Transfer offers available on your account. If you recently received an email offer, this means you were eligible at the time you were selected to receive the email. However, eligibility for offers change from time to time, based on a large number of factors. Unfortunately, we are unable to provide specifics on which factors may have changed. 
When I accepted the terms and conditions of the card, I agreed to the card with the 0 % balance transfer APR. I feel misled and lied to by Capital One.
Consumer complaint received 2019-04-20
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: CAVALRY INVESTMENTS, LLC (MI)

ENTITY INVOLVED : CALVARY PORTFOLIO SERVICES, LLC. 

For nearly a year now ( since XXXX ), I have been trying to get erroneous collection data addressed on my credit report with the three credit reporting agencies. 

The erroneous data resulted in a denial of 3 housing opportunities in XXXX. As a XXXX XXXX XXXX, I am beyond frustrated with the reporting entities ' failure to follow federal rules and regs. 

As of XX/XX/XXXX : XXXX finally realized that Calvary Portfolio Services was reporting erroneous data that could not be verified, in violation of Federal Regulation V. 

As of XX/XX/XXXX ( and going back several years ), Cavalry continues to report an alleged collection account with an open date of XX/XX/XXXX to XXXX and XXXX. Upon written request ( dispute ), Cavalry they could not verify the proper account balance ( different from what appears on credit report ), the date the alleged account was closed, date reported or the charge-off date - to the credit agencies. THIS ACCT WAS RE-AGED by Cavalry despite no legal event that would allow re-aging. Per XXXX data, the account is about to turn 7 years old. 

As of XXXX, Calvary reports to XXXX that the contact info. for this alleged collection account is in XXXX, NY. However, Calvary reports to XXXX that the contact info for this account is in XXXX, AZ. This is another clear compliance violation. 

Interestingly, in XX/XX/XXXX, another company " XXXX XXXX '' sent me an invoice out of the blue and - says their client is Calvary SPV I, LLC, owns the account. Payment is demanded. This account over the Statute of Limitations and this entity is located in South Dakota. So, we have NY, AZ & SD offices and two different entities demanding payment on this re-aged alleged debt. 

Thanks to violative conduct by Calvary and associated entities as well as non-compliance by XXXX XXXX and XXXX XXXX by failing to properly obtain verification, harm has been caused to this consumer.
Consumer complaint received 2016-04-01
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (TN)

On XXXX XXXX, 2016, I wired {$420000.00} in my Ally Bank account. The Federal Reserve Receipt for this wire, XXXX, clearly dates receipt of the funds by Ally Bank as occurring on XXXX XXXX. I contacted Ally Bank by telephone at XXXX EDT XXXX XXXX and again at XXXX EDT requesting that the funds be booked into my account on XX/XX/XXXX to prevent the loss of one day 's interest on the funds. On both calls, I was told the Bank could not locate the funds despite having been given the Fed Reference Number. The funds were subsequently booked into my account XXXX XXXX, resulting in the loss of interest in the amount of {$11.00}. To date, Ally Bank has refused to credit my account for the day 's loss of interest, despite evidence that the Bank received the funds on XXXX XXXX. 
I filed a similar complaint against Ally Bank, Complaint # XXXX, for delaying by two days an Automated Clearing House transfer of {$150000.00} which occurred on XXXX XXXX, but was not booked into my account until XXXX XXXX, resulting in the loss of interest in the amount of approximately {$8.00} It is clear that Ally Bank is engaged in a pervasive scheme to defraud its ' customers by intentionally delaying booking the transfer of funds into its ' customers accounts in order to avoid having to pay interest on those funds. The savings to Ally Bank, and the loss to customers, is considerable given the number of fund transfers that occur over a long period of time.