davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (PA)

I took out a loan for a bank to purchase a vehicle for {$9000.00}. I was advised by both the dealership and the bank that if I put {$3500.00} down that would only leave the bank to finance me for XXXX. I have been back-and-forth, trying to get paperwork from the bank and the dealership which they were refusing to give to me when I finally receive the paperwork it is showing that I am taking a loan out for the entire {$9000.00} from the bank which I dont know where my {$3500.00} then went. The car broke down on me less than 24 hours of having it I tried to call the dealership with no response, so I filed a complaint with the bank, explaining everything that has happened. They are telling me that they have a relationship with a bank so they will do the negotiations and will make sure that the dealership takes care of the repairs. This has now been going on almost 4 weeks and I have showed out {$800.00} in repairs for the vehicle by day three of the purchase. The bank is now getting back to me threatening me to either take {$2000.00} that the dealership is offering towards repairs at the dealerships Mechanic believes will cost {$5000.00}. The bank is now stating me that I can either except the {$2000.00} for the repairs or return the car and lose my deposit and they are closing my complaint. I simply want my car repaired so that he can work and be driven on the road.
Consumer complaint received 2017-11-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

I have made several phone calls to XXXX XXXX XXXX XXXX XXXX as well as submitted a Better Business Bureau dispute on XX/XX/XXXX in regards to XXXX alleged debts ( XXXX and XXXX XXXX from Synchrony Bank ). Neither Synchrony Bank nor XXXX XXXX XXXX XXXX XXXX have yet to provide me with any validation of any alleged debt owed as well as the fact that I do not have any contract with this third party debt collector. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX responded to my BBB complaint stating that they would be removing the tradelines from my credit report. As of this day, XXXX XXXX XXXX XXXX has not provided me any validation of proof and also not honored the outcome of my BBB complaint in which they responded. When I spoke to them in regards to the response, they stated that they did not write anything. I have disputed with all three credit bureaus and they are sending back correspondence that XXXX XXXX keeps reporting the alleged debt as verified. That can not be possible as they have not even sent me verification or validation as the assumed consumer on these accounts. I am at a standstill because the credit bureaus are not willing to update my reports to reflect accurate information as well as XXXX XXXX is not upholding the law in regards to providing legitimate proof of any alleged debt and ensuring that I am the correct owner of the alleged account. I have been rudely spoken to XXXX XXXX XXXX XXXX as well as XXXX, XXXX, and XXXX representative and told that valid proof does not have to be sent to me. Although, this is my right as a consumer to have valid proof of any alleged debt against me. I have documented proof from the BBB in regards to XXXX XXXX not being able to properly verify the account that I have sent to both XXXX XXXX and all three credit bureaus. Each company is placing the blame on the other and it is negatively impacting my credit. I want these accounts removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) and pursuit of collections ceased.
Consumer complaint received 2017-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE (IL)

account is paid in full. when i requested a COMPLETE ORIGINAL APPLICATION AND PAYMENT HISTORY years were missing and the application was a computer printout not an application, with incorrect information. they do not have acurate information and need to delete the account.
Consumer complaint received 2017-11-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (IL)

Ally Bank recently has changed required operating system for mobile devices to the XXXX XXXX or higher. 
I bought few months ago my " mobile device '' aka smartphone with XXXX XXXX. The device was fully compatible with Ally mobile app back then, but now since it is impossible to update my phone ( most android phones are un-upgradable by design ) I ca n't use their mobile app. Ally Bank is an internet bank so mobile app is virtually essential for banking with the Bank. 
The Bank claims security as reason for the change but it means that clients, like me, can be arbitrary forced to buy new smartphones every few months. My smartphone works fine, was working fine with the old Ally Bank app and I suspect it can work fine with the new app too.
Consumer complaint received 2022-12-13
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. (MN)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for, and now my account has been closed. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : ( XXXX ). 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2021-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I contacted Capital One about an Inquiry on my account due to my Social Security being stolen. I requested a letter to send to the 3 bureaus to remove the inquiry from their business. They stated that they have no account associated with my social, address, or name. I then asked for a letter to state that I have no account with them and they replied they do not send letters to home addresses. I would like a letter to state that I have not tried to open an account with them to get this Fraudulent Inquiry from Capital One on XX/XX/XXXX removed. I was directed to this site from XXXX to proceed with the removal.
Consumer complaint received 2021-12-20
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. (GA)

I have several accounts that I did not consent to be on my consumer credit file. I've sent in several requests to remove unauthorized information on my consumer credit file to this company directly. Instead of removing the accounts, they've chosen to simply " parrot '' verification from untrustworthy sources. Since then, they have even allowed more accounts to report on my file. They have willfully chosen not to comply with my demands. I have attached a document detailing my dispute.
Consumer complaint received 2022-12-13
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. (MN)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for, and now my account has been closed. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  : ( XXXX ). 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2021-09-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

Contacted Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021 via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Consumer complaint received 2018-03-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

I XXXX XXXX  had an account with chase when i was XXXX XXXX  years old in around XX/XX/XXXX-XX/XX/XXXX. I wasn't be the best with money management or how to functionally use a bank account, of course I was a teenager. That account closed due to a charge off with a negative balance of {$120.00} and i tried to reopen it later that year or the year after while getting my direct deposit from my tax returns, and thats when we tried to reopen it and it closed within a week.That is when i found out they said because the account was closed i would have to wait 5 years to reopen one, I asked if i can just pay it off, they said that was not a option. So as naive as i was i thought that was normal and i attempted again 5 years later and it still has not able to open one this time the bankers said chase has decided not to have a " business relationship with me at all ''. Now its getting to a point where i don't understand why i haven't gotten a statement on my last month of my account or a chance to know why they will not reopen an account, I'm not a criminal, i didn't abuse my account, and they never even gave me a chance to dispute any wrong doing on my account or to see if anything on that account was mine, or accurate. I am now turning XXXX  years old starting a XXXX XXXX XXXX XXXX  and full time employer and I've always wanted to bank with chase especially for their business accounts and i have been robbed of that opportunity and have not been given a reason i feel like this is not right nor is this constitutional.
Consumer complaint received 2017-11-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC (FL)

I have made several phone calls to JH Portfolio Debt Equities LLC as well as submitted a Better Business Bureau dispute on XX/XX/XXXX in regards to two alleged debts ( XXXX and XXXX XXXX from XXXX XXXX ). Neither XXXX XXXX nor JH Portfolio Debt Equities LLC have yet to provide me with any validation of any alleged debt owed as well as the fact that I do not have any contract with this third party debt collector. On XX/XX/XXXX, JH Portfolio Debt Equities LLC responded to my BBB complaint stating that they would be removing the tradelines from my credit report. As of this day, JH Portfolio Debt Equities has not provided me any validation of proof and also not honored the  outcome of my BBB complaint in which they responded. When I spoke to them in regards to the response, they stated that they did not write anything. I have disputed with all three credit bureaus and they are sending back correspondence that JH Portfolio keeps reporting the alleged debt as verified. That can not be possible as they have not even sent me verification or validation as the assumed consumer on these accounts. I am at a standstill because the credit bureaus are not willing to update my reports to reflect accurate information as well as JH Portfolio is not upholding the law in regards to providing legitimate proof of any alleged debt and ensuring that I am the correct owner of the alleged account. I have been rudely spoken to JH Portfolio Debt Equites as well as XXXX, XXXX, and XXXX  representative and told that valid proof does not have to be sent to me. Although, this is my right as a consumer to have valid proof of any alleged debt against me. I have documented proof from the BBB in regards to JH Portfolio not being able to properly verify the account that I have sent to both JH Portfolio and all three credit bureaus. Each company is placing the blame on the other and it is negatively impacting my credit. I want these accounts removed from all three credit bureaus ( XXXX, XXXX, and XXXX ) and pursuit of collections ceased.
Consumer complaint received 2021-05-22
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: HUNTINGTON NATIONAL BANK, THE (FL)

Huntington National Bank is my late Grandfather 's Trustee. Upon his death Huntington sold off his stocks and other interests in placed them in a Money Market account earning a meager .25 % while charging a fee of a full 1 % robbing the estate of .75 % annually. 

We vigorously objected to this and do not feel Huntington is acting with the Fiduciary Standards required by an XXXX XXXX XXXX  XXXX banking institution. We sent them examples of 30 CD 's earning 1.04 % and other higher yielding and safe investments. 

Currently the 10 year interest rate is over 1.5 % but as you can see in the attached documents, Huntington is collecting over {$7400.00} in fee 's while the estate is earning an embarrassing {$250.00}. This inaction by Huntington means they have stolen tens of thousands of dollars in principle unnecessarily and is a failure of their Fiduciary Responsibility and has been in place for now over three years with no end in site.
Consumer complaint received 2017-11-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (TN)

I was severely overcharged with this loan, and have been told I can get the PRIVATE COLLEGE loans forgiven, since I was attending when they were forced to close. Since they closed I no longer have access to the hiring office which was why I went there in the first place. 

I have yet to get a job in this industry and I am unemployed and XXXX years old with XXXX billing me XXXX $ in loans and fees. Some classes billed two and three times. 

please let me know how I can get help. 

Thank you, XXXX XXXX
Consumer complaint received 2017-11-25
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: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio Recovery is reporting 2 separate, closed accounts for the same original creditor, XXXX XXXX XXXX XXXX, to credit bureaus. Also, Portfolio Recovery is not honoring their written agreement to no longer report the account to credit bureaus. 

I negotiated and settled this account XXXX, 2017 with an agreement that they would no longer report the account. 

Not only are they falsely reporting duplicate XXXX XXXX XXXX XXXX accounts, but are also not honoring the agreement that we negotiated.
Consumer complaint received 2021-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent out a letter To Verify The Accuracy On my Credit Report. They were unable to provide me with a copy of the supporting documentation as proof. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. its been way over 30 days and i have no response.
Consumer complaint received 2017-11-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (PA)

Recently, I found a collection on my credit report from the XXXX XXXX which is already over 4 years. 

They have called me anytime including weekend and sent a letter to threaten me to pay for it or put a collection which has been passed a long time ago. 

Pennsylvania, the creditor has four years from the date of the last activity on the account to file a lawsuit against a consumer.
Consumer complaint received 2017-09-09
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. (PA)

I found out that I may be potentially impacted from the credit breach that occurred at Equifax. Please try to help me in any way possible and include any information I need to do to protect myself from identity theft.
Consumer complaint received 2017-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have 2 separate cases with Capitol One. The first being card acct XXXX. I was always on time with my payments. When I made a payment with my XXXX XXXX card it was n't until 2 weeks later that I was informed via email that the payment did n't go through. I had no idea as to why because it was not a matter of insufficient funds. So I called and the rep thought maybe it was some sort of tech issue. She then proceeded to take my payment info to reprocess the payment. It all went through and I was given a confirmation number. Then 2 weeks later I received another email stating the payment had n't went through. I called again and was told that they could n't process XXXX XXXX cards. Fine time for them to all the sudden know this. Nonetheless I had XXXX XXXX send a paper check which is another service they offer. Capitol One claims they never received it. I called again and this time I have a 3 way with Capitol One and XXXX XXXX. The XXXX rep explained that the check should have been there on a certain date, however he was now giving another date to the Capitol One rep who  noted everything. This whole thing started to appear orchestrated, So it placed me behind things got screwed up with the domino effect. Then CO restricted my card and said I would have to pay XXXX to get the restrictions removed. I did that but they reneged. I told them to close the account but they kept it open I was not going to pay anymore interest on a card where I did not have services. I was willing to pay my balance but they kept increasing the amount. So I filed a complaint but nothing came of it. At this point I want the balance cancelled because they will not put it at the amount that it was when I closed it. 
The 2nd case is account XXXX I have always been on time with my payments. Then they jacked up my minimum payment of XXXX to XXXX. So I sent a money order for XXXX to get it paid off and close it. Capitol One claims they never received it. I filed a dispute and they credited my account. However they took the XXXX back off despite having cashed the money order claiming they still had not received it. I contacted the post office and the money order company-XXXX XXXX. They sent me a letter confirming the the money order had been cashed. I have sent Capitol One a copy of this letter. Yet they still have not resolved the issue. I called ( as I 'm fed up with having to call ) and requested that the supervisor email me, i have not received any contact. As far as I can see this has been orchestrated to ruin my credit even more,. What they are doing is illegal even criminal. I want this balance cancelled as well. I 'm done with Capitol One.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have sent letters disputing unknown accounts in my report exactly on XX/XX/2022 but until now I did not receive any response from the bureaus. I think they are not taking actions regarding my complaints.
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IL)

Lexis Nexis is obtaining my credit report and incorrectly certifying my name for a public record. My legal name is XXXX XXXX and the public record should be removed by law. I have submitted my birth certificate attached, my social security number and government identification showing my legal name as XXXX XXXX and not the name of the public record.
Consumer complaint received 2018-03-19
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. (FL)

Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.