davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (AR)

ON XX/XX/XXXX I spoke with a representative from the settlement department of Credit Acceptance about a pay off on an XXXX XXXX XXXX .I am the co -signer on this vehicle for my Grand daughter. Upon the purchase of the vehicle I was sold a warranty incase anything happened to the vehicle I can use it to cover the cost and get discount on services etc. However we were faced with large out of pocket repairs on the vehicle. Every company I went to didn't except the warranty company that was sold to me by credit accepatance as A GARANTEE protection. I will show the recpts where I had an out of pocket expense of {$2400.00} because they didn't except services from this particular company because they have a bad reputation of not paying providers. I reported it to the dealership and I was told to try many different locations and then have it towed there. I noticed this contract was under the truth in lending act and no way should I have ever been in this position and my rights under the truth in lending retail installment contract has been violated. I am XXXX  and is living on limited income and I don't deal with Debt. When I had to pay the out of pocket expense the account became delinquent. Credit Acceptance has done nothing to help us regarding the Bogus warranty that was sold to me under the truth and lending act that was attached to the installment agreement. I explained the matter and requested if I can pay {$15.00} as a settlement to pay off this car. They told me the car is {$22.00} and some change and my pay off is {$20.00} and change because they dot settle. also the interest is compounded .I asked about a payment plan however they will give you a payment plan but the interest will keep accruing on the portion that is not being paid which it will keep you almost close to the balance.of the original finance amount. its like you will never pay the car off and you will be paying compounded interest. i was told the warranty i was sold and never was able to be used could be cancelled however i would not get any money back from a warranty that was not accepted anywhere. If they did this to me im sure they doing this to all their customers. They are trapping people in this retail installment agreement and almost forcing unrealistic terms that people are having issues with. Credit acceptance is not taking any of the responsibilty of what they are having the consumers sign. We also never recv 'd a truth in lending seperate paper explaining our rights under the truth in lending act. that was another violation under U.S. CODE 3952 PROTECTION UNDER INSTALLMENT CONTRACTS FOR PIRCHASE OR LEASE.
Consumer complaint received 2022-02-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Centralized Business Solutions Company (OH)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-02-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I'm being charged $ {$23000.00} in finance charges and my bank couldn't even Refinance the loan because of the year of the vehicle and the mileage on a 2014 XXXX XXXX my bank even said that is way to high on a used vehicle I have told the company that I want all my money back and they can have the car cause that's just out Rages there scaming people I did report them to the better Bureau and they are refusing to work with me Credit Acceptance I told them I will refuse to pay on this car
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I'm overseas for a few months. I have accounts with Transunion, XXXX, and XXXX. I have questions that are not answered on their website. I am constantly advised to call them with questions and/or with fraud concerns both on their website and by no-reply email. The only phone numbers they provide are 1-800 type numbers. I have been trying for the last week beginning about XX/XX/XXXX till now to find some way to reach them with no success. I believe there is no way.
Consumer complaint received 2022-08-31
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: CITIBANK, N.A. (IL)

I had made a credit card purchase through Citibank with my credit card for XXXX XXXX XXXX XXXX XXXX  which was supposed to provide a XXXX XXXX XXXX XXXX XXXX to it's patrons. When it came to be the week of my scheduled appointment In XXXX of XXXX, XXXX said the company was " permanently closed ''. Of course, I called the number on the website, and it said that the number was " no longer in service ''. I sent an email to the merchant once I got their information from a cooperating 3rd party, and also received no response. The day came of my balloon ride and I did not go because again, it said the business was permanently closed. I called my credit card company to dispute the charge since no service was ever provided and the merchant made no attempt to contact me, or give me my money back. The total was {$230.00}. Citibank issued me a temporary credit for the charge and issued an investigation. A month later ( XX/XX/XXXX ), they reversed the credit on my account and said it was " resolved '' and they made contact with the business. I never received any type of email, call, or service from the business after they took my money. I am not paying for fraudulent services. The website still as of today XX/XX/XXXX says the business is " permanently closed ''. The phone number still is disconnected, and I have never received any type of service that I initially paid for. There is no option to leave a bad review, as XXXX says that the option to leave a review for this business " has been disabled ''. The reviews that are left recently indicate the same issues that I am having ... people have said it is a scam, and they never received a refund. Citibank said that I am responsible for this payment to them. This is fraud. I never received anything. Please avoid XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-23
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. (GA)

EXPERIAN ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. BELOW IS TH THE INFORMATION OF THE FRAUDULENT ACCOUNT : XXXX XXXX XXXX   XXXX XXXX : XXXX No : XXXX Date opened : XX/XX/2014 Balance : {$4300.00}
Consumer complaint received 2022-08-31
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2019-11-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CURO Intermediate Holdings (NJ)

Recently I've been applying for cash loans online I am a single working parent in a very tough financial situation and twice people have called me saying that I've been approved for loans, upon receipt of this information I was excited that I would be able to catch up on rent and also upcoming holiday expenses. One for {$6000.00} from a person claiming to be from XXXX XXXX on XX/XX/2019 and another today XX/XX/2019 for {$5000.00} from a person claiming to be from speedy Cash loan, speedy Cash loan sent me a PDF attachment today of a loan agreement complete with payment details, loan interest rates, ect. I was a little suspicious because of both asking me to give money before they would be able to deposit my loan. XXXX XXXX wanted me to go to XXXX to accept my money via XXXX since they couldn't deposit to my bank, in which case I would send them {$50.00} and they would give my deposit via XXXX. Speedy Cash loans agreed to deposit into my account but only after I could make a security deposit of XXXX, because my credit was low and I was a risk. So I looked into both of the supposed financial institutions, called both of their numbers and spoke to representatives of each company was told that neither one had offered or approved me for a loan. It was even illegal for Speedy Cash to do business with me since i was in New Jesey. They both had my banking account and routing information.
Consumer complaint received 2022-08-31
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. (IL)

15 US CODE 1681 A I did not provide permission for none of these items to be place on my report and it is jeopardizing my character as a consumer. In addition these accounts are also affecting me15 US Code 1681A. 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 2022-08-31
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. (MT)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TN)

This charge for the XXXX $ past due as of XX/XX/2020, was REMOVED for fraud, not once but twice and its effecting my credit score. I am exhausted with dealing with this. This needs to be REMOVED completely. I have contacted the company the same 2 times and they charged it off but WHY does it keep coming back!
Consumer complaint received 2022-08-31
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-31
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)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2022-08-31
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. (TX)

In accordance with the Fair Credit Reporting act 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 2022-02-24
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Please reference complaint ID XXXX. 

I do not know why this was closed as it has not been resolved. 

I had a deduction from my checking account on XX/XX/2022 in the amount of {$16.00} for a finance charge for the loan I never took out. 

No where in their resolution document do they address the funds taken from my account. 

Additionally when I first reported the loan in my name that I never signed for, I was told by someone who identified himself as a high level individual within Bank of America he stated that after the notary types in a code that there is no stopping a loan from funding. I asked him why they dont just make a phone call after a scheduled signing to ensure everything went well and then you would never have this issue again. 

This leader within Bank of America stated that they are just too busy with all the loans right now to make a phone call. I was shocked that their initial response was to say they were too busy to correct a major financial issue from reoccurring. I do not see anything related to how this issue will be corrected in their response and closing documents. 

Additionally, after initially reporting the loan that was opened without any signatures to Bank of America and asking them to stop moving forward with anything else regarding the loan until they figured out what went wrong, they proceeded to run my credit report again causing inaccurate data to the credit agencies. Again, like the funding of the loan I did not authorize Bank of America to run my credit report again. 

What has Bank of America done to ensure new loan applications are not opened manually by a bank employee without obtaining authorization from the applicant? Who is this individual that opened this new application manually? 

In their response and closing they simply say they will work on correcting my credit report after I complete a new loan with them. I want this and all other matters resolved before closing this complaint. 

How can a complaint like my initial complaint be closed without resolution of all the issues related to the illegal opening of a loan in my name? Why didnt someone from Bank of America call me prior to closing this complaint and ask of everything was resolved?

A simple check of debits/credits from the HELOC and my bank account would have found this {$16.00} in interest charges. Bank of America has multiple compliance issues relating to my single loan.

Im also asking to escalate my complaint to the next level and if possible to a congressional level.
Consumer complaint received 2022-08-31
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. (FL)

I submitted a demand to update the payment history on My student loan according to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or Department of EDXXXX ) such authority.
Consumer complaint received 2022-08-31
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. (IL)

15 US CODE 1681 A I did not provide permission for none of these items to be place on my report and it isjeopardizing my character as a consumer. In addition these accounts are also affecting me 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 XXXXXX/XX/XXXX,
Consumer complaint received 2022-08-31
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. (TX)

In accordance with the Fair Credit Reporting act 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 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TRANSUNION XXXX XXXX DATE:XXXX XXXX XXXX  DATE:XXXX  XXXX  DATE:XXXX XXXX XXXX XXXX DATE:XXXX XXXXXXXX XXXX DATE:XXXX XXXX XXXX XXXX DATE:XXXX XXXX XXXX  DATE:XXXX XXXX XXXX XXXX DATE:XXXX XXXX XXXX DATE:XXXX XXXX  DATE:XXXX customer service department did not help remove the negative inquiries that are reporting on my credit report.
Consumer complaint received 2022-04-14
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. (PA)

MY NAME IS XXXX XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & REQUEST
Consumer complaint received 2022-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION (FL)

Someone entered my TRUIST bank account and withdrawn {$810.00} dollars via XXXX yesterday, XX/XX/2022. 
I've called the bank to stop that transaction because it's still pending, but the bank doesn't do anything, and they ask me to go to the offices tomorrow in the morning. They don't have a customer support service to talk to a bank representative, they just put people on the phone who speak another language and it's hard to understand them. 


I need the bank to stop these transactions and return my money, ( {$810.00} ) which is to pay the mortgate, since I am already two months late due to the critical situation of the economy.
Consumer complaint received 2017-09-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A. (CA)

Good evening. I received a pre-paid Mastercard " debit '' card as part of an agreement between XXXX XXXX and I for {$25.00}. This card has an expiration date embossed like all Mastercards. The expiration date was yesterday XX/XX/XXXX. When I call the Mastercard system I am told I have a valid balance of {$25.00} for purchases ; however, I can not spend the {$25.00} due to the expiration date. It was declined when I tried to use the card today. I contacted Mastercard on XX/XX/XXXX and spoke to two people ( one in Corporate communications ) and they stated the money no longer belongs to me. I find this distasteful at best. I have the card agreement that was attached to the card and in tiny print there is one single line about " your CITI PREPAID Card expires on the date embossed on the front of the card '' -- it 's intentionally buried in fine print. How could this be legal?
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-04-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (NC)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC