davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
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 (MD)

This is a complaint against Credit Acceptance Corp. This complaint will outline several federal violations made by the financial institution. 
1 ) violation 15usc6802 ( b ) of the FCRA : A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless ( A ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option.

2 ) Violation of The Gramm-Leach-Bliley Act 3 ) Violation 15usc6802 ( b ) ( 1 ) of FCRA : A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.

4 ) Violation 15usc6802 of the FCRA : Obligations with respect to disclosures of personal information. A financial institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title
Consumer complaint received 2019-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Comerica (VA)

XX/XX/2018, .XXXX. XXXX XXXX, ca. a amount of : {$370.00}, was taken out of the, XXXX XXXX Account, by a unauthorized persons, and the credit card company has not reimbursed the amount, or amounts to any of the previouse compliants, made, round or about XX/XX/2018-XX/XX/2018. The complaints were made to : ICE, internet crime complaints online, thru-XXXX County Sheriffs office.=, XXXX XXXX , @ processing payment services : XXXX XXXX XXXX XXXX Texas ,XXXX  . The complaint is the credit card company has not returned any if the amounts set on any of the complaints
Consumer complaint received 2017-07-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

The XXXX XXXX XXXX has placed an outstanding and past due account item on my credit reports and this was done inaccurately and without contacting me. I attended this school up until XXXX. I left the University at the end of XXXX due to unforeseen circumstances. I was paying for classes with financial aid ( a combination of loans from XXXX XXXX and pell grants ). This combination of funding covered all tuition expenses for XXXX. My issue comes with the fact that I have had NO COMMUNICATION from XXXX to let me know of an outstanding amount owed, no update to my online account, and no notice that my account would be sent to collection or reflect as charged off on my credit files which violates my rights for Fair Credit Reporting. This item is showing on my credit report as a 1 month unsecured installment loan directly through XXXX. Something I would have never signed for or agreed. In XXXX, not too long after my last semester with the school I logged into my student account. Upon checking the amounts and balances owed, I found that it showed a {$0.00} balance. I am requesting to receive validation pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I am requesting that this matter is investigated and the account is deleted from my credit files immediately or provide me with physical proof of a signed contract between me and the XXXX XXXX XXXX for the 1-month unsecured installment loan in the amount of {$950.00} that 's being reflected on my credit report. This negative reporting is a hindrance to me on several aspects and should be removed from my credit reports immediately
Consumer complaint received 2022-10-06
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. (MO)

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. 

XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-02
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 XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2019-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MA)

It is said on the report that the account is already sold or transferred. But then it is reporting inaccurately. I see the date last active reporting on XXXX XX/XX/XXXX on XXXX XX/XX/XXXX and on XXXX XX/XX/XXXX all 3 dates should be the same.
Consumer complaint received 2024-03-06
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)

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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2019 my credit card was charged {$99.00} for an annual subscription of XXXX XXXX XXXX magazine. This was an unauthorized charge and I attempted to call the XXXX but was directed to a website where I entered in my desire to cancel. I got no result. I performed this action again and received the same non result, nor any correspondence. 
Meantime, I sent an email to Barclays as soon as I received my statement with the charge. They were barely helpful, repeating the 800 #, and asking me to call their dispute department. The problem is each time I called, it took 30 minutes or more to explain the issue and at the last attempt, the representative actually laid the phone on the desk, and I had to start the process again! 
I have tried to enlist Barclay 's help with the disputed charge, via email and voice calls, but, given the time elapsed, I have now seen my credit score lowered by 50 points as the account has been declared delinquent. 
That is unfair and detrimental to the well being of myself and my family and might have an impact on my ability to find work in the future.
Consumer complaint received 2017-07-24
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (FL)

XX/XX/17 ATM withdrawal. Did not receive funds. ATM made noise and did not dispurse funds. First withdrawal was the max {$400.00} that transaction was completed. The second withdrawal for {$160.00} was incomplete. No funds dispursed. A third test of a {$20.00} withdrawal to infer that the money was not stuck. That transaction was completed. I Did not receive the {$160.00} transaction only the transaction before and after. I have spoken with my card company. I can not get a supervisor no matter what I do. They just put you on hold. Nothing happens. They issued a temporary credit for {$160.00} now they have withdrawn the credit stating there was no atm error. Obviously there was an atm error I do n't have the {$160.00}. The company I use is a pay card * skylight * The company told me that they would send me an email within 48 hours of documentation of the outcome of my claim " atm withdrawal " however ; I have not received said information.
Consumer complaint received 2023-04-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE INVESTORS GROUP (TN)

I applied for a mortgage with MIG on XX/XX/2022. All throughout the process, I was taxed with additional requirements not required by the other lender I was working with for the same loan type ; FHA. I am a licensed real estate professional who once was a licensed loan originator ; therefore, I am very familiar with the process and their requirements. I submitted all documents to include an appraisal with a promise to close within 10 days. 
They questioned my income. As a W-2 employee who is the majority shareholder of my company, I supplied them both tax returns. The income from the business was deducted from my monthly salary lowering my income. I questioned that and received no real answer. I was told to pay off a revolving credit that was only a XXXX XXXX monthly payment with the same balance as the $ XXXX {$280.00} payment. And when I chose the larger debt monthly payment, there were more requirements to prove I paid off the loan beyond providing the payoff, the receipt from the my HELOC evidencing where the funds came from. I continued to ask about my DTI and no one would provide the numbers to let me know what it was. I was never told when I would close nor the amount of money needed to close. I have numerous emails. Each time I called the LO she would either not answer, send me to her processor, or an assistant. I reached out to the owner of the company via email about my concerns of discrimination, and she never responded. I called HUD for assistance with the rules and presented to MIG. They simply disregard, and sent a copy of an older ruling. I was threatened by the processor with not closing my loan at all on the day it was rescheduled to close XX/XX/XXXX, if I did send my check stubs for 30 days I would not close. The file was sent to THDA on the scheduled day of closing after been told by THDA  that the file could be submitted while in U/W with lender since they are only looking to ensure the file is in compliance with their rules as long as there was a preapproval. I was never told after multiple request when will I close, no one ever told me. The title company, XXXX XXXX who closes on a regular basis with MIG was told they needed to be approved and it would take several days to do so, which ultimately would have caused me to lose the house through an expired contract. When I questioned the sender of the email she just replied she wasn't the right person to reply. Again, another tactic to delay the loan. They even called the loan a difficult one since I owned a home in the same zip code, and was purchasing another one as my primary when I provided a lease agreement for the other home. They refused to use the lease income to offset the property and insurance cost for which FHA has rules for. And I didn't close until the end of the day XX/XX/2022 with the documents being dated for XX/XX/2022. With the title company even questioning what was going on with the file since they know me from transacting other closings
Consumer complaint received 2023-04-02
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. (GA)

In accordance with 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 2019-07-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have made past requests to bring clarity and validation on 9 creditor disputes that I believe was related to identity theft. I have since then submitted a police report about my identity theft, dating back to XX/XX/XXXX of when the police report was filed. 
Since then XXXX, Transunion, and XXXX, have addressed some of the issues with some these disputed creditors according results like CFPB report # XXXX. 

Yet I am still getting targeted and bullied by creditors and collection agencies that have not been able to produce an original wet signature from my own hand to validate these accounts ( this would be my right and protection according to Federal Law, section 609 ). Can you cause them to stop with their bullying since they have failed to comply with my request of validation of these accounts? The issue is still unaddressed concerning this and it has been since XXXX XXXX, XXXX that there has been no wet signature of my writing to validate the source of these documents. According to our federal governing laws of section 609, I ask that you verify that these accounts have already been deleted from my XXXX, Transunion, and XXXX Credit Report.. 
Accounts that have not been properly addressed are : Original creditor : XXXX XXXX. with account number : XXXX Current creditor : XXXX XXXX XXXX : XXXX Original creditor : XXXX XXXX  XXXX with account number : XXXX XXXX account Number : XXXX Current Owner : XXXX XXXX XXXX If any of these are reported on XXXX, Transunion, and/or XXXX  can you please verify them with a matching original wet signature by my own hand ( this request is backed by Federal Law, of Section 609 )? And since it has been since XX/XX/XXXX, with already no matching wet signature by my own hand, can you according to Federal Law, section 609 have these creditors deleted from all three of these credit bureaus Even If any of these are not reported or are reported on the these three Bureaus, can you have them stop with the bullying and forward this complaint to the Attorney General of the United States Government according to my rights stipulated the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2019-07-21
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. (GA)

I have several inquiries on my credit report that I didnt authorize 42 inquirys to be extact I have tryd every step the reporting agency asked me to do they have failed to do thier prt
Consumer complaint received 2019-07-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANK OZK (GA)

My name is XXXX XXXX daughter, executor, administrator and personal representative of the estate of XXXX XXXX who passed away on XX/XX/2019 fifty eight days after his wife XXXX XXXX. At the time of his death Mr. XXXX had an unsecured personal loan with Bank of OZK with a remaining balance of {$2700.00} I was not assigned as executor by the court until XX/XX/2019, bank of OZK was immediately notified days after his death, I have filed notice to creditors the day after I took office. On Friday XX/XX/2019 at XXXX XXXX. I was contacted by the bank branch that there legal department was going to freeze my joint checking account I had with my parents and the Estate account because no payment had been made on the loan and two checks came through the account. I am the survivor of the joint account which should not have been frozen Mr. XXXX 's portion of {$1200.00} had been transferred to the estate account, the estate account has only been opened less than two weeks and should have no been frozen preventing business of the estate, there are only two assets one with possible equity that will satisfy debt to creditors after sale but I have not been given the six months to determine the condition of the estate in order to protect the assets from foreclosure and repossession I made a payment to each to keep out of the ninety day window for foreclosure and  repossession as I feel they had the highest priority to protect and Bank OZK has tried to make themselves a higher priority than support to the family, funeral cost and expenses of administration without warning and had been spoken with multiple times, I have not gathered and collected all assets and the ones I have I must protect, insure and manage, they are not the only creditor owed and I feel they took advantage of me knowing what they were going to do after I opened the estate account where my parents banked for years, all other creditors are working with me and giving me the time allowed by law to determine if there is enough cash and assets to pay them, Bank OZK should not have prioritized themselves and gave no warning I would like all funds returned to both accounts and unfrozen so I can continue with my responsibilities of the estate.
Consumer complaint received 2018-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

on XX/XX/XXXX a fraudulent check was deposited into my account on XX/XX/XXXX that check was rejected by the bank and without my knowledge them on XX/XX/XXXX bank of America closed my account for suspected fraudulent activity I have tried numerous times to resolve this with bank of America but no luck on XX/XX/XXXX i got a call from bank of America representative XXXX XXXX ( XXXX ) ext ( XXXX ) I told her about the incident and she told me it would be investigated I then got a call back from her on XX/XX/XXXX stating that it was investigated and the matter stands as fraud ... i am writing this again as a fraud complain on who ever deposited that check and bank of America for not properly looking into this matter I can not open no account cause they put my name in XXXX   for a matter I have no knowledge about
Consumer complaint received 2023-04-01
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. (CA)

I have had an ongoing dispute with the credit reporting agency Experian for over 6 months now with no results as to my dispute. I am informed by the dispute department representative that it is being fix the understand the problem and still nothing has truly been resolved. I have submitted documentation on numerous occasions via uploading to portal, via certified mail and proof of certificate of mailing. I have been informed that all documentation has been received however no resolution to my dispute. My personal credit report is being crossed with a name that I have never used and need it removed from my credit report. Incorrect information on my report Please refer to the two credit report numbers with different names but all my information XXXX ; XXXX ( wrong name, which creditors believe is fraud, incorrectly shows no credit history ). Creditors run my report and it states I have no credit score when in fact I have a credit score of XXXX when last checked. I was informed by the dispute department that I needed to contact my creditors and inform them as to their reporting to the credit reporting agency. I have done this with all my creditors and was informed by each of them they are reporting my name exactly how it need to be. This has been a very frustrating experience has hurt me in regard to making some financial changes. this is the only credit reporting agency that I have this problem with.
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I have a car loan with TOYOTA MOTOR CREDIT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called TOYOTA MOTOR CREDIT and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and TOYOTA MOTOR CREDIT with no successful resolution. XXXX, XXXX, and XXXX only reporting me 90 days late payments. There was an error on their part. I was never 90 days late.