davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

I was scammed Saturday XX/XX/XXXX. I bank with usaa and and I realized what was going on I immediately hung up the phone and called USAA. The representative was very helpful we went through my entire account changed all my security settings and everything everything was fine then all of a sudden my account was frozen on Sunday I have spoken to these people all day everyday and I can not get in touch with a higher authority and they're telling me they're closing my accounts I'm freezing my money for 60 days. I've feverishly tried to find out how to send in all the documents proving how this happened and they just don't care. All of mine and my husband 's deposits go in these accounts. I can't pay any bills or even get gas money. I don't understand why the ceo or vice president will not respond. I can not even speak to whomever is supposedly investigating the account. I can't even get an email address to send these documents to.
Consumer complaint received 2022-01-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (AL)

Credit acceptance used deceptive forms and means to make a profit of of my identity, in exhibit labeled 1 CA violated laws:15 US 1605 ( a ) ( 1 ) ( d ) ( e ) ( f ), charging 102 % overstated fees, 15 US 1692e at 23 % apr well over alabama 6-8 % interest rate, providing a loan with that amt is usurious as defined my law, exhibit 2 shows violations:15 US 1692e, 1605 ( a [ 1-5 ] ) ( d ) ( e ) ( f ), 1692e ( 2 ), positive balance, overstated fees, separate fees. 15 us 1605 states The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services providedg and does not retain the charges, I dont retain any charges, finance charge should not contain Interest, time price differential, and any amount payable under a point, discount, or any charges.Credit acceptance guilty of using HIDDEN FINANCE CHARGES, charging horrendous fees to borrower due to inaccurate credit reporting by bureaus, borrowers there were charged the maximum legal interest rate ; credit acceptance never informed me in the initial communication that they were in fact a debt collector/a debt as required by law, used my social security to collect a profit whether or not i was approved for insurance, i applied for credit not insurance, credit acceptance provided invalid information to bureaus causing harm to credit score, this is unlawful, truth is sovereign, understand how the UCC operates in order to have the upper hand in our dealings with the IRS. The essential elements of the Commercial Law are good, being based upon : Good faith action. 
Clean hands doctrine. 
Fair business practices. 
Full disclosure. 
Duty of care. 
Just compensation. 
Equal protection of the law. 
Mercy. 
Grace. 

Which Credit acceptance lacks Revoking all rights, as original creditor, owner, power of attorney, consumer The have been disputing with XXXX, XXXX XXXX, XXXX
Consumer complaint received 2019-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I receive a response from this company that simply telling me that the call they call their sister company and they dept was accurate and Im not satisfied with that so Ill challenge this company to show me proof of Id social or signature or any other documents that was use to validate this dept Ill like this in writing by mail or email! And if this company fail to provide all proof to show that this Debt is 100 % accurate Ill ask for them to remove this account under the fair credit act
Consumer complaint received 2018-06-26
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. (GA)

I pulled my credit report in XX/XX/2018, I noticed inquires and a XXXX XXXX account on my report. I did not authorize for anyone to run my report for the inquiries were made without my permission. Also i did not apply for a XXXX XXXX card, nor did i authorize for anyone to apply for that. I ask that XXXX, Equifax, and XXXX   investigate to verify the inquiries and account listed on my credit report. 

I ask that they summit written documents with my signed signature, credit cards and debit card bill statements showing that i payed for this. Fair credit act law states that a creditor must have signed, written documents to even run my credit.
Consumer complaint received 2017-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fein, Such, Kahn & Shepard, P.C. (NJ)

I was notified by a company that I previously worked for that the county sheriffs requested them to attach my wages. When I contacted the lawyer, I was told that it was a bebt from 2008, and that XXXX had a court order against me. I have no clue about what they are talking about! And why after 8 years are they are they bothering me. WHY HAVE NOT I HEARD ANYTHING FOR 8 YEARS
Consumer complaint received 2022-01-11
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: EQUIFAX, INC. (FL)

I had a car loan from XXXX XXXX from XXXX of XXXX I paid the loan off in XX/XX/XXXX. 2 years ago I informed Equifax via complaint that it was over XXXX XXXX XXXX and needed to be dropped from my credit report just like it was dropped on XXXX after 10 years Equifax stated to me that it's correct and put a date that is still good of XX/XX/XXXX which is incorrect because it was already paid for 10 years with a XXXX balance it's now 12 years and it's still on my Equifax report I tried to file another complaint but they would not allow me to I called them they were useless and did nothing to help can you please help me correct this thank you.
Consumer complaint received 2023-01-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (OH)

To the best of my recollection I received a collection notice in late XX/XX/2022 from Receivables Performance. I had no idea what this concerned and did some searching to determine that it was for a XXXX XXXX Internet account that should have been closed. 


To begin with, I did not contract with XXXX XXXX for services. I called them about this sometime in XXXX to tell them that I received a bill in my name and that I was not the account holder. I let them know that my son, XXXX XXXX, was the account holder and that the payments were his responsibility. I explained that I did not sign an agreement for services and that I did not intend to accept responsibility. I was told that they had an account with me in the past and that gave them the right to set up the billing in my name. They requested that my son contact them to change the name of the account holder. It was my understanding that this had been done. I heard nothing further about this account until late XX/XX/2022 at which time I approached my son and he promptly paid the bill. That was the first and only notice that there was a pending balance with XXXX XXXX. In turn, it appears that the collection agency sent this matter to collections without providing notice. This action has affected my credit when the account was placed in my name without my consent AND no notice was provided that this bill was outstanding prior to referral to collections.
Consumer complaint received 2019-07-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONWIDE EQUITIES CORP (VA)

On XX/XX/XXXX I wrote Mr XXXX XXXX at Nationwide equities corporation that I wanted to cancel the loan process we had started. He replied saying he would take care of that. It has been 34  days and he still has not sent me a letter of cancellation.
Consumer complaint received 2019-07-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCC Business Services, Inc. (TX)

This Company have failed to provide debt validation on acct XXXX Debt Validation was sent out on XX/XX/19, The company received it on XX/XX/19. They had 30 days to validate the debt and they have failed it is now XX/XX/19 and they still have yet to provide proof me giving them and little extra time to provide something and have fail.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: American Credit Acceptance, LLC (NC)

Ive Called numerous times and asked why I cant get my credit reported or even a time table of when my payments ive made can be reported.My Account was bought about a year and month ago and still no time table of when my payments can reported to the credit bureau
Consumer complaint received 2023-04-03
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. (NY)

my identity was stolen. attempts to charge merchandise from my debit card was made several times. Money from my savings account was transfer into my checking account. 
someone applied for credit card with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

Here are TransUnion Inquiries that I didn't authorized : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX please remove XXXX  XXXX inquiry reporting fraud as well .

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (PA)

edfinancial.com - the site has been showing broken links for at least 10 days now. This was reported to them by a XXXX user on XX/XX/2019 and they responded they were aware of the issue. 

I contacted them as well via their website and they gave the same response last week. 

The problem has yet to be fixed and I do not feel safe logging in and making a payment if they don't seem to care their site it broken. 

THIS IS DELAYING MY PAYMENT!!!
Consumer complaint received 2023-01-13
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: EQUIFAX, INC. (CA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXXXXXX XXXX XXXX Balance {$2500.00} ; XXXX XXXX Balance {$7200.00} ; XXXX XXXX XXXX {$9300.00} ; XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX Inquired on XX/XX/ XXXX XXXX
Consumer complaint received 2018-06-26
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/2018 I processed a payment that closed my XXXX open payment. At that time, I owed for XXXX payment that was due as of XX/XX/XXXX. I recently tried to make a payment on XX/XX/XXXX but the charges were denied. I was told to contact customer services. I was told that the account was past due for 32 days. I asked the representative what payment date I owe for. I was told I owed the XX/XX/XXXX payment. I asked the representative to explain how I was 32 days past due, but only owed for the XX/XX/XXXX payment. I chose to end the call because it was getting very heated. I called back and spoke to a manager who noticed the issue. The manager put in a complaint on my behalf to fix the issues on the account. I still did not receive an explanation as to what issue occurred. While speaking to the manager, I was told that I would not be able to use my account until the XX/XX/XXXX was paid. I did not receive an explanation as to why I still could not use the account. I called back and asked another representative the days past due a customer had to be before they would lose their purchasing ability. I was given 30 days past due. I would like to find out why my purchasing ability has not been restored due to the fact that my account was past due by only 10 days while the company policy is the account has to be 30 days past due.
Consumer complaint received 2023-01-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

I applied for a bank of america credit card. They gave me a hard inquiry and then sent me a letter asking for more information to prove my identity and income. I sent the information and upon recieving it they hit me with another hard inquiry. No where on the papers did it say if I sent the information that I would have another hard inquiry. I did not give permission nor did I fill out another application.
Consumer complaint received 2023-01-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

XXXXXXXX XXXX XXXX having an erroneous claim against me that's in my credit report. I'm a XXXX senior citizen I've tried to have them remove this it's on Experian and the other XXXX credit reporting agencies. This is not my account, I've told them that XXXX times and they keep saying I have an account with XXXXXXXX XXXX XXXX  whom I've never heard of in my life. My next step is to call my Texas State representative to get it dealt with because Experian is sure not helping with the situation.
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (NY)

Southwest Credit Systems failed to provide a validation of debt. I have not received any documentation of this debt nor a contract with Southwest Credit Systems with my original signature on it. I have also checked on XXXX for the states in which the company is licensed to collect debt, and New York State is not listed,
Consumer complaint received 2023-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (GA)

I been having deposits going into all my accounts and I still can't do no check cashing nor pay any bills and I have all my banks leak to each other.i have deposit going into all of them and they will not do no overdraft are protection.and I think that's wrong.they won't let nothing go threw for me.im trying to build my credit.i can't get a loan are nothing.they all turn me down.why.i was dashing and my car broke down and XXXX XXXX XXXX XXXX.making it had for me.i lease my car from them and it broke down.and then I couldn't work.and then I caught XXXX and was hospital.and then on top of that I got XXXX problems.i can't do nothing.everybody turn me down cause XXXX XXXX XXXX  get me delluent cause I can't pay.then on top of that I still got to pay XXXX for a car I no longer has.and wont no bank let me over draft are nothing.im trying to get well so I can work.every bank I apply for a loan I get turn down.why.i don't got perfect credit.i just need a chance.i got overdraft and protection.and I still can't go overdraft.why cant I get a credit card checks and banking and saving at one bank instead of 3.i really need some help.
Consumer complaint received 2021-07-23
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 — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY (NC)

I recently filed a dispute in regards to the incorrect items on my credit report. 30 days has passed & I have not been reached out to about my investigation results.
Consumer complaint received 2019-10-02
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: EQUIFAX, INC. (CA)

In 2018, I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts/collections with XXXX XXXX and a number of inquires that do not belong to me.
Consumer complaint received 2022-12-02
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: EQUIFAX, INC. (NV)

on XX/XX/2022 I sent a letter regarding inaccurate and unknown 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 by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. It has been over 90 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-06-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: JPL Recovery Solutions (CA)

Over the few months. JPL Recovery Solutions, mainly a woman named XXXX XXXX has called me daily. She has called my places of employment, my land lord, my father, friends and family daily. Threatening to sue me, have me arrested, making false statements, refusing to provide answers to questions that they are required to provide, when asked, by law, and calling more frequently than is permitted.