davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Request for Accounting under Article 9, Section 210. 

since XX/XX/XXXX my Balance does not seem right XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX as to XXXX they call on sundays and throughout the week until I complained to the federal telephone. 
The fees they charge {$25.00} per month from XX/XX/XXXX was unfair as they never sent the coupon or statement where to mail the check. 

The care dealer sold the cheapest and oldest cars in their inventory at the highest markups and was never listed or out in the car park it was just brought to the front and I was told this is it and I was in real need of a car. 

The markups from the dealers ( XXXX XXXX ) was based on my credit. 
They are trying to put me into a borrower defaults. By Adding the missing XXXX payment. 
According my credit report I have paid every month. 
Credit acceptance is in a practice with dealer to hold false advertising, fraud, deception and violations of the Truth in Lending Act. and misrepresnted my mileage on the car when I bought it and lack of disclosure, and overcharged and spiked the interest rate.
Consumer complaint received 2021-09-18
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. (MD)

To whom it may concern, I sent Experian a dispute letter on XX/XX/21 concerning several incorrect and inaccurate accounts that are wrongly appearing on my credit report and I haven't received anything back from them via mail or email. Today is XX/XX/21!!!! They have be law to respond within 30 days and it's now going on 60 days AND STILL NOTHING!!!!!! These falsely reported negative accounts are not only crippling my credit score but its causing me to have to pay ridiculously high interest rates because I'm labeled as risky when I'm actually not. This company is not taking me or my stressful situation serious. I even called several times and ask to speak to the fraud department and the customer service representatives were absolutely rude and annoyed with me and my complaint.
Consumer complaint received 2021-09-18
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: TRUIST FINANCIAL CORPORATION (FL)

SUNTRUST DBA XXXX has violated the FAIR CREDIT REPORTING ACT ( FCRA ). 15 USC 1681 : SEE ATTACHED DOCUMENTS a. Affidavit of Truth- Copy to company was Signed and Notarized b. Copy of item on Credit Report c. Invoice d. Copy of Certified Mail Receipt
Consumer complaint received 2024-02-28
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. (NY)

I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2021-09-18
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)

TRANSUNION has violated the FAIR CREDIT REPORTING ACT ( FCRA ). 15 USC 1681 : SEE ATTACHED DOCUMENTS a. Affidavit of Truth- Copy to company was Signed and Notarized b. Copy of item on Credit Report c. Invoice d. Copy of Certified Mail Receipt
Consumer complaint received 2023-09-10
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (MA)

On XX/XX/XXXX, I received a One Vanilla gift card with a generous balance of {$250.00} USD as a wedding gift from my brother. He had purchased the card from XXXX located at XXXX XXXX XXXX, XXXX, MA XXXX. I stored the card safely for emergency use, with no prior disclosure of its details to anyone. 

However, on XX/XX/XXXX, when I attempted to utilize the card for a purchase at XXXX XXXX, I was dismayed to find that my card was denied. Immediately, I contacted the customer service helpline, seeking clarification and assistance. To my astonishment, I was informed that my card had been fraudulently used in XXXX in XX/XX/XXXX. I want to emphasize that I have never visited XXXX in my life, nor have I shared my card information with anyone. 

In response to this unfortunate incident, your company initiated a dispute on my behalf for the two unauthorized transactions. I was assured that a thorough investigation would be conducted, and a decision would be communicated within 45 days. 

Regrettably, on XX/XX/XXXX, I received an email from incomm team that left me deeply dissatisfied. The message stated, " We take concerns from cardholders very seriously. After a thorough review of your account and evaluation of the evidence provided, we regret to inform you that we are unable to approve your dispute. With the denial of this dispute, your case has been closed. Per the cardholder agreement and the payments network, these transactions are out of timeframe for recovery. '' My dissatisfaction arises from several critical points : 1. I reported the unauthorized transactions immediately after my card was denied, demonstrating my commitment to resolving this issue promptly. How can I be held accountable for a timeframe that I had no knowledge of? 

XXXX. Card uas the expiration or XXXX.If, i have used the card in XXXX or any time, how would I have known that there was a fraud already happened in XXXX. 

3. I emphatically assert that I am innocent of the transactions in question. I should not bear the consequences of someone else 's wrongdoing. 

Despite my subsequent attempts to seek clarification and resolution, I have received no further communication from Incomm. This lack of response has only added to my distress and frustration. 

I implore you to help me reconsider their decision and conduct a more thorough and fair assessment of my case. I have been left in a distressing situation through no fault of my own, and I believe it is only just that this issue is rectified promptly. 

I eagerly await your prompt response and a satisfactory resolution to this matter.
Consumer complaint received 2022-05-02
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)

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under XXXX, EXPERIAN and XXXX XXXX XXXX XXXX XXXX Dats late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Consumer complaint received 2023-04-07
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. (VA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-07-29
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. (CA)

1- I bought a XXXX XXXX XXXX XXXX, In XX/XX/2018 using XXXX. The watch did not work properly, I was concerned because I got it over sea. XXXX, the merchant, and I worked this problem out, and the watch was properly returned in common agreement ( I have all the evidence showing this : emails, returned labels, post office receipts, etc ... ) 2- I initially informed citi double cash of the problem. Even though, I told them the way I made the purchase, they mistakenly took the event as a fraud case. The way the item was paid was through XXXX. XXXX, held the payment for this transaction all the way to XX/XX/2018. I asked XXXX to refund Citi double cash, XXXX told me that they could not do anything and I needed to call Citi double cash. I did call Citi card several times, but they did not listen. 

3- Someone in Citi double Cash fraud Office made the decision that it was no fraud ( which it never was ), this person in Citi Double Cash passed that decision to XXXX where the MONEY ( {$390.00} ) was held. XXXX base on that decision send the funds to the Merchant. 

4- All the above information, was gather through months of this ordeal for me, and on three way phone call with XXXX , Citi Double Cash Agent , and Me, on XX/XX/2018. This event was immediately followed by another three way phone call with XXXX, CITI DOUBLE CASH AGENT, and Me, all at the same time. All of this in the afternoon, on XX/XX/2018. 

5- As it is right now, XXXX , and XXXX said to me that they can not open any dispute with this crook Marchant because of the fraud decision this careless Citi 's employee made, and Citi double cash has not done anything to clarify and fix this problem. So, I am frustrated because I can not do anything to solve the problem. 

6- I do not like this credit card company anymore, so I paid all the balance I owed on this card EXCEPTING this transaction ( {$390.00} plus interest and penalties they are now charging {$500.00} ) and I cancelled this credit card.
Consumer complaint received 2018-03-07
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. (TX)

cra violaton not mine or no knowledge of it XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX - - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$830.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Consumer complaint received 2022-05-02
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. (GA)

On XX/XX/2022 I sent in a letter regarding several accounts that are inaccurately reporting to my credit file. The credit reporting agency did not update me on the status of the investigation and it has been well over 60 days
Consumer complaint received 2021-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been victim of a scam in which I hold Bank of America and its associate company XXXX responsible. The only reason this scam was possible is because Bank of America cleared a counterfeit check. 
In addition, XXXX don't let you recall money and they have no protection for this kind of situations. 
I have made a claim to the Bank and they told me to wait for 45 business days for an investigation. 

I was selling a piece of furniture ( a sofa ) on XXXX for {$450.00}. The supposed buyer, made a convincing but strange request to pay me by check including an excess to pay the movers coming to pick up the furniture. 
Unfortunately, I made a mistake and trusted Bank of America, if the check was good, I didn't see a problem. 
On XX/XX/2021, I have deposited the check for {$1900.00} using the Bank of America mobile App and the check was marked as " Cleared '' by the Bank on XX/XX/2021. 
Therefore, the fake buyer asked me to send the money {$1500.00} to a movers account via XXXX which I have done also via the Bank of America App also on XX/XX/2021. 
The day after on XX/XX/2021, the check was rejected as counterfeit by the Bank making the scam for a value of {$1500.00} complete. 

Immediately, I realized about the mistake of trusting Bank of America and called them to ask for a recall of the XXXX transfer based on the above facts. 
This was denied and took my claim under number : but they said this will require investigation and the delay will be 45 business days but there is no guarantee I can have my money back. 

This is outrageous, the Bank and financial institutions associated to the Bank are accomplices of this scam and directly responsible as it will never had happened if they only marked good checks as cleared. When I called, the contact person confirmed the Bank and nobody knows whether a check is good until it's checked with the sender 's institution. Therefore, the Bank should have not cleared this check. 

1- They have to respond on why they cleared a counterfeit check 2- They have to respond with protection on XXXX transfers which are done within the same Bank of America Mobile App XXXX 
Bank of America Claim # XXXX
Consumer complaint received 2018-10-04
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. (MD)

I HAVE FILED SEVERAL DISPUTES AND SUBMITTED ALL OF MY PAPERWORK WITH REGARD TO THE IDENTITY THEFT THAT HAS OCCURRED ON MY CREDIT FILES. XXXX AND XXXX HAVE COMPLIED BUT EQUIFAX KEEPS GIVING ME EXCUSE AFTER EXCUSE. FIRST THEY SAID THE PAPERWORK WASN'T SIGNED, WHEN IT WAS INDEED SIGNED. AND THEN THEY SAID THEY NOTIFIED THE MERCHANTS AND THAT THEY VERIFIED THAT THE ACCOUNTS WERE ACCURATE. 

I HAVE ATTACHED MY LATEST " REINVESTIGATION '' RESPONSE FROM EQUIFAX REGARDING THESE DISPUTED / ID THEFT ITEMS FOR YOUR REVIEW RECEIVED XX/XX/XXXX. THEY KEEP GIVING ME THE RUN AROUND. THIS IS THEIR THIRD REINVESTIGATION INTO THIS MATTER. 

YOUR IMMEDIATE ATTENTION REGARDING THIS MATTER IS GREATLY APPRECIATED AS IT IS HINDERING ME FROM GETTING A MORTGAGE LOAN. 

EQUIFAX DISPUTES SUBMITTED REGARDING IDENTITY THEFT ( XXXX ) : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX, EQUIFAX DISPUTES SUBMITTED REGARDING IDENTITY THEFT ( XXXX ) : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX I found disrepancies on my report with Trans Union, XXXX, XXXX Acct # XXXX the date of last actividy says XXXX XXXX and XXXX XXXX this is inaccurate reporting and violating my rights as consumer According to 15 USC1681 I have the right to maximum accuracy to my report.
Consumer complaint received 2018-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NY)

My debit card was used without my authorization while I was in XXXX undergoing a XXXX XXXX and XXXX XXXX  ( 2 XXXX  in 10 days ). Most of the charges occurred on XX/XX/18. I realized my card was missing on XX/XX/XXXX and immediately contacted the bank. I also reported the fraudulent charges. On XX/XX/2018 I received a letter stating my claim was denied. I immediately requested documentation used to deny the claim, as per Reg E, and the bank has failed to provide this information. I have called and walked into the branch many times and spoken to several supervisors. I also refiled the claim. On XX/XX/2018 I sent a certified/return mail letter requesting the documentation used - 6th time making the request - and explaining why I thought each one of the reasons given to denied my claim were not satisfactory. The reasons are that I notified I'd be in XXXX during the dates the charges happened, account wasn't drained, charges reflect normal spending habit ( I had my account for 2 months how can they say the had a pattern of my spending habits? ), and that there were no more attempts to used the card after XX/XX/18. I sent TD bank letters from my XXXX  and XXXX XXXX confirming my health state during that time. In addition, as per Reg E, the fraud was reported within reasonable time of learning of the card missing or fraud - I reported the fraud within 24 hours of learning the card was missing ( and within 60 days of it happening ). I have spent an obnoxious amount of time disputing the transactions/claim denial and TD Bank is not protecting me against fraudulent charges as they stated when I opened my account. In fact, they are adding to my loss by implying I am lying and or trying to commit fraud against them and the time I've wasted filing the claim and disputing their decision.
Consumer complaint received 2018-07-29
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Patenaude & Felix A Professional Corporation (NV)

I just got serve Tuesday XX/XX/XXXX unfortunately the papers were delivered to my now XXXX year old daughter papers were not in any kind of envelope, she read and shared with her XXXX year old brothers the forms against me and was crying when I got home.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I thoroughly reviewed again my credit report and I can still see the fraudulent items that need reporting and correction through your company. The List of items below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2022-05-02
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. (CA)

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under XXXX, XXXX and TRANSUNION XXXX XXXX XXXX XXXX Dats late in XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Consumer complaint received 2018-10-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc. (GA)

I am a recipient of XXXX XXXXXXXX XXXX XXXX subsidy payment and I moved out of XXXX XXXX at the end of XX/XX/2013. ( Proof enclosed ) The property manager at XXXX XXXX signed my approval to leave the premises during my recertification 2 months prior to my departure at the end of XX/XX/2013. A new contract was entered into and signed by the new apartment complex ( XXXX XXXX XXXX XXXX ) on XX/XX/2013. After signing this lease I moved into those apartments both the XXXX and XXXX and on XX/XX/2013 my payment for the subsidy was paid to XXXX XXXX XXXX XXXX. Although the property manager approved this moved two months prior, he did not inspect or sign off on the Move-Out until XX/XX/2013 in which they are trying to charge for an additional month 's rent. They took my deposit of {$400.00} and charged me ridiculously for paint ( {$200.00} ), trash left ( {$150.00} ), 5 blinds ( {$120.00} ), 1 shower rod ( {$10.00} ), spackle ( {$50.00} ), kit cleaning ( {$220.00} ), bath cleaning ( {$300.00} ), water bill ( {$31.00} ) and again prorated rent owed ( {$640.00} ). This is enclosed as well. I satisfied my obligations to XXXX XXXX, XXXX XXXX XXXX XXXX ( or else I wouldn't be eligible to still receive the subsidy payment ) and my new responsibility to XXXX XXXX XXXX. I don't believe I owe XXXX XXXX any monies, especially with them keeping my deposit. If you'll notice of all the charges brought against me, there is no mail box or door key charge because I put the keys in their hands at the end of my lease.
Consumer complaint received 2021-11-11
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. (MD)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-09-07
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 HAVE BEEN A VICTIM OF IDENTITY THEFT THERE ARE ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT AUTHOURIZE OR BENEFIT FROM. I HAVE TRIED TO GET THIS ISSUE RESOLVED SEVERAL TIMES BUT NOBODY SEEMS TO HELP ME I AM LOSING SLEEP OVER THIS I AM GOING THROUGH EMOTIONAL DISTRESS AT THIS POINT IF THIS ISSUE IS NOT RESOLVED I AM GOING TO SUE THE BUREAUS THEIR JOB IS TO REPORT FAIR AND ACCURATE INFORMATION I HAVE FILED AN FTC REPORT AND BY LAW THOSE ACCOUNTS SHOULD BE BLOCKED WITHIN 5 DAYS OF RECEIPT. THIS IS MY LAST ATTEMPT TO TRY AND GET THIS RESOLVED OUTSIDE THE COURT