davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 CREDIT ACCEPTANCE CORP XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CREDIT ACCEPTANCE CORP XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for  the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (CA)

On XX/XX/2019 I cancelled service with XXXX and paid my final bill. After cancellation, I continued to receive a bill for service I no longer had. Now this company has sent my account to collections and has reported to credit bureau for an amount they are fraudulently trying to collect on.
Consumer complaint received 2022-12-03
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: Klarna AB (NY)

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 a 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 purpose.
Consumer complaint received 2022-07-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Maury Cobb, Attorney at Law, LLC (NY)

I have been violated and trespassed against pursuant to 15usc 1692d ; Harassed and and oppressive use of intercourse of an alleged debt 15usc 1692e ; Using false and misleading representation 15usc 1692f ; unfair practices attempting to collect an alleged debt 15usc 1692c ( e ) ; Communications without prior consent and many other violations including the truth in lending act and executive order XXXX ; Promoting the rule of law through transparency and fairness in civil administrative enforcement and adjudication. As a federally protected natural consumer, original creditor and principal on all accounts, I feel like this an attempt to extort and rob me, personally, my family, and my household.. This is criminal activity at the least and is unacceptable. Each violation has a statutory cost of {$1000.00} and this does not include emotional distress, defamation of character, or any unseen injuries.
Consumer complaint received 2019-10-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (CA)

I have had money taken out of my business banking acct with chase bank under the heading of it being a payment to XXXX   phone bill cor the last 7 years I know about and have the web I'd # the person ls using to do this with. I estimate over the last several years they have taken close to {$5000.00} min every year and withdraw sometimes 2 or 3 times  every month need help recouping my money from chase or XXXX
Consumer complaint received 2019-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

I had a personal loan with Springleaf financial ( now doing business as One Main ) in the years of XXXX-XXXX. During these years I maintained a perfect payment history. Included in my monthly payments was an additional fee for payment protection. The protection program is offered to borrowers that opt in to help them pay their monthly payment in the event of loss of employment or disability. In XXXX  XXXX, I was laid off from my job and initiated a claim with XXXX XXXX ( payment protection ). After months of endless phone calls and communication via mail, my claim was denied. XXXX explained that this was due to me not being approved for unemployment benefits, which makes absolutely no sense, if I had income from XXXX, I would not need the payment protection. I paid for this protection for over 2 years and was not able to use it when I most needed it. This company cheated me and basically stole my money. They charged me for a service they did not provide. To make matters worse this company is reporting negatively every month to the credit bureaus even though they state I have a XXXX balance and that my account is charged-off and sold to another lender ( who I do not have a signed contract with ).
Consumer complaint received 2019-10-17
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. (TX)

I ordered my free credit reports online and went thru them to find a few inaccuracies on them. I furnished Trans union with absolute proof that I returned a XXXX XXXX cable box along with the XXXX XXXX pictures and tracking confirmation. Also a letter that was from XXXX   XXXX stating they received the box with a credit to me for the amount of XXXX which they forwarded a credit card with the balance amount to me. After speaking with the girl today she says it's up to XXXX XXXX to take off the negative report with them after I furnished them in black and white the evidence that XXXX XXXX got it with the letter they sent to my home and also with the tracking from the XXXX XXXX office with pictures of proof of the cable box returned to XXXX XXXX. 
Also I applied for a loan with my credit union bank and my score was. XXXX now down to XXXX with the inaccuracies on my report. I kindly asked them to adjust that to reflect what it was previously to be fair which I assume they don't wish to do and also send me the revised credit report and to my bank for them to see these items were not to be on my report for them to reconsider the loan.
Consumer complaint received 2019-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (SD)

navient-formerly sallie mae, dept of ed has student loans listed at times that i was not attending college. i also had only XXXX in student loan debt and some years ago then i jumped to XXXX even though i was not in college at the time and now, it has jumped to XXXX. huge jumps from XXXX and i have not used any type of student loans since early XXXX. that last student loan was at XXXX XXXX XXXX in XXXX. why am i being gouged like this. i did not incur all of this. i have reported numerous times that my identity was stolen and have fraud alerts and several confirmations from the federal trade commission including two police reports in which the last one was obtained because someone stole my amended tax return info through the united states postal service. please resolve this. they also reported the same student loans multiple times on my credit report to make it look like i have more debit that what i actually have. for example, one student loan ( with the same account number ) is reported three times even though it is only one loan. i tried to apply for a home loan and the banker caught the fact that they were reporting the same loan several times to make it look like i had several loans or what bankers call trade loans.
Consumer complaint received 2020-02-12
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: JPMORGAN CHASE & CO. (TX)

I returned to a merchant ( Amazon ) 3 of the same items on XX/XX/2019 each costing {$470.00} and weighing 5.85lbs totaling {$1400.00}, but instead got refunded on two wrong item costing less {$130.00} and weighing less 3.80lbs from the original order - which in fact were never among the items I informed the merchant that I wanted to return. When I saw this on XX/XX/2019, I called the merchant to challenge the wrongfully refund item they selected, the amount and the number of items which was 3 not 2. It was after that call on XX/XX/19 that the Merchant then made a 3rd item refund of the item that weighed 5.85lbs which amounted to a total refund of XXXX with a deficit of {$660.00}. To my utmost surprise, chase refused to investigate the matter but rather chose the side of the merchant to intimidate a customer. 

The manner and professionalism at which Chase handled this dispute is appalling and shameful. 

I have filed to continue the dispute, and attached also the XXXX receipt showing the return item and the weight. Now, it is very important to consider the aspect of the weight of these items returned in this dispute because the merchant is claiming I returned items of different weights ( the lesser weight item of 3.8lbs costing {$130.00} while the heavier weigh item of 5.85lbs costing XXXX ) but the XXXX receipt confirms that the 3 items submitted weighed the same and were the larger weight which cost {$470.00} each totaling {$1400.00} - bear that in mind. With the disputed amount of {$1400.00}, what the merchant should get back is the false and fraudulent refund of {$750.00} they had issued. This is a clear case of fraud by this merchant to cheat customers and even when the fact shows in the XXXX receipt they refused to acknowledge it.
Consumer complaint received 2022-07-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

In XX/XX/2019 my credit score was cut by Experian from XXXX to XXXX by Experian. They said I had an unpaid bill to XXXX for XXXX for my subscription to XXXX XXXXXXXX XXXX XXXX That magazine renews on XX/XX/XXXX and XXXX renewed on XX/XX/XXXX. I was not made aware of that. I paid the amount due on XX/XX/XXXX. I have been with Experian ever since. My credit stands at XXXX. I have XXXX credit card, a XXXX card from my bank XXXX XXXX. I pay it off every month. I do not carry over unpaid balances. I am not charged any interest on that account. I do not have balances which Experian alleges. XXXX XXXX will tell you I have no unpaid balances nor late payments. 
I believe that Experian characterizes me as not being able to manage my money but examining my financial record would reveal that I manage my money very well. 
I believe that XXXX believed I was only XXXX months late paying for that subscription. 
I would like to see Experian reduce my XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-02
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (MD)

XX/XX/2018 i called Navient because they continue to contact me about late payments. I recently received an email stating that I owe {$730.00} in payments. In XX/XX/XXXX I attempted to consolidate this loan with XXXX and they told me i could consolidate. I pay XXXX $ XXXX month, another Navient loan {$88.00} a month. I asked them why they said i could consolidate if i couldnt. I never heard from them since XX/XX/2018 when I thought the loan was consolidated. Then in XX/XX/2018 they say no its not consolidated and you are 3 months behind. I previously had a debit of {$86.00} and it increased to {$100.00} under the rate reduction program. However, those debits stopped and I thought it stopped because it had been consolidated and it was included in my XXXX payments. 

I explained that I have no money left to pay {$730.00}, they insisted that i pay it the same day or {$170.00} by credit card. They then offered to put me on a 6 month interest only plan, which i still cant pay. What happens after 6 months. They said i had exhausted all forbearance. 

These people do not try to work with students forgetting that we too have living expenses. The rep said i could only refinance the loan amount which is {$38000.00}. I enrolled in University of XXXX XXXX and never got a degree because they coerced me into getting all these loans when i ran out of federal aid. I have tried to no avail to find out who and where all this money went. At one point Univ of XXXX said to me that they didnt refund money because students would use it buy cars, WHAT!!! 

University of XXXX XXXX was predatory telling me that it would be 18 months to earn my degree, yet they used predatory tactics to make you continue taking the same classes over and over then setting you up for more loans. 

I do not believe that Navient will assist me in any way except to sell XXXX to send them money. I am a XXXX XXXX XXXX XXXX without a XXXX XXXX XXXX promised. I completed the entire XXXX XXXX XXXX XXXX program but received a " XXXX  '' in one class. They tell me I need to repeat the entire program again. I have never heard this happening to anyone. 

Its not fair what Navient is getting away with. They will not accept anything other than what the scripts says. 

Please contact Univ of XXXX XXXX also for an explanation.
Consumer complaint received 2018-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tribal Lending Enterprise, Inc. (OH)

I was mailed a collection notice without me ever personally contacting XXXX XXXX XXXX. In the mail, they gave me 30 days to resolve an unspecified amount on XX/XX/2018.
Consumer complaint received 2022-12-03
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. (NY)

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 instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-01-12
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. (OH)

In accordance with the fair reporting act the list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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  have violated my rights. 

15 USC 1681 section 602 A 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 1681 C A section 5 states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2020-02-12
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2019-10-17
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. (NY)

I faxed over the documents about this account the car is still reporting on my credit. I since then had XXXX XXXX XXXX. I cant keep going through this I want this car off my credit.I never had a XXXX. I have serious health problems. I am getting the run around. I really need this removed and its hurting me severally. Everytime I think about this my XXXX hurts. Please. They ignore me I can barely breathe less to deal with this. please help
Consumer complaint received 2022-10-10
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway
Consumer complaint received 2020-02-12
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Consumer complaint received 2020-02-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I sent your company my dispute on XX/XX/XXXX which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?
Consumer complaint received 2019-10-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (CA)

I brought a car from from car hop the check engine light on and the car was recalled unable to get tags recall d fixed without me paying for it a short in the headlights and panel causing a fire advised car hop this was a lot will like to return car threaten to ruin my credit even if I volunteerly return the car this car can't even get CA dmv tags