davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

Unauthorized Personal Information Disclosure : The disclosure of my personal information to credit reporting bureaus without my explicit consent may violate the FCRA, the Privacy Act of 1974, CFR Title 16, Part 313, and the UCC 's consent mandates.

Discharged Debts Still in Collections : The continued collection efforts on discharged debts represent a breach of the FDCPA, UCC Section 9-607, underscoring the need for accuracy in debt collection practices.

Misrepresentation by Debt Collectors : Misrepresentation regarding debt collector identity and debt nature directly violates the FDCPA, UCC Section 1-202, requiring transparent and accurate debt collection practices. 
Lack of Clear Opt-Out Notice : Failure to receive a clear opt-out notice for the use of my personal information breaches the FCRA, CFR Title 16, Part 313, and the UCC 's consumer information protection requirements.

Failure to appropriately credit my account with dividend payments made off treasury coupon nor certificates of indebtedness due following a charge-off, which constitutes an error under the Electronic Fund Transfer Act ( EFTA ) , 15 U.S.C. 1693-1693r, and its implementing Regulation E, 12 CFR Part 1005. This notice is to inform you that the anticipated adjustment through certificates of indebtedness has not been processed correctly, adversely affecting my account balance and my rights under the EFTA.
Consumer complaint received 2021-12-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Santander Consumer USA Holdings Inc. (DC)

On or about XX/XX/2021, I purchased a NEW Chrysler XXXX XXXX XXXX for my family. At the time, I took out a {$10000.00} loan from Chrysler Capital. I did so as part of the normal vehicle sales/purchase process. I took the loan knowing I would pay it off rapidly - as I took the loan solely to secure some purchase incentive that the Dealer suggested. 

I paid off the loan in XX/XX/2021 ( only 5 months later ). 

On XX/XX/2021, I received a written " Lien Satisfied '' letter from Chrysler Capital. 

Subsequently, I never received the title to the vehicle. I sent 3 written communications to the Chrysler Capital website portal. ALL of those went without meaningful or substantive response. I also called 3 times. The hold times are excessive and no one seems to care. 

The last two agents I spoke with had ID # XXXX and ID # XXXX. The first rep told me she saw the issue and would re-issue the title to me at my address of record. NOTHING was ever received. 

I forced to call again only to go through the same nonsense. No one seems to understand what is going on. 

I asked to have this escalated to Legal and nothing was done about that either. 

I am hostage to this situation as ONLY Chrysler can instruct the release of the lien and delivery of the vehicle title. 

I need someone in management to take ownership of this and get it resolved. It is simply ridiculous that something as basic and fundamental as this can not be resolved and executed properly.
Consumer complaint received 2021-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (SC)

Upon check my credit file, I notice immediately that I had become a victim of identity theft that. I immediately took action by contact the 3 major credit bureaus and file Police/FTC to have these account removed from my credit filing. I was able to get these fraudulent account resolve, except for 1 with the company ACIMA credit. I immediately reach out to them once i had got a response from the credit bureay XXXX that my dispute had been denied. Upon reaching out and speaking with a representative of the company where they told me, they did find accounts with my information attached but with different name listing, i was then told to email the fraud department and that i would get a response by email or call in 2-3 days, several days had passed and i received no contact from the company, I repeated this step again.. called 3x and on the final time i was told to resubmit the email.. still no response.. THis account is for {$2100.00} but it is stated to be charged off.. I would to have this matter resolved as i have not beneifted nor authorized the use of my information to obtain anything with this company
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MI)

I filed a dispute with XXXX XXXX, Experian and XXXX XXXX involving a public record that is inaccurately reporting on my credit report. It is a publica record more specifically a bankruptcy filing showing both the assets and liabilities sections inaccurately. They are required by the laws outline in the FCRA to report all information on my report 100 % accurately. The assets and liabilities sections both show as {$0.00}. This is incorrect and I disputed the information on numerous occasions. They promptly " VERIFIED '' that information. I disputed it again and it was yet again " VERIFIED ''. I asked specifically HOW they verified the item and they reported that they used a 3rd party. I received a letter from the Courthouse stating that they " DO NOT REPORT ANY INFORMATION TO ANY CREDIT BUREAUS ( I have included a copy of that letter as proof ). I also obtained my own court documents had have attached proof showing that the assets and liabilities was more than {$0.00} and that my rights were violated because of ALL of bureaus refusal to investigate properly.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (FL)

I've sent several requests over to the credit reporting company to investigate or even re-investigate my requests to provide signed documentation to support the negative items shown on my credit report. Experian has refused to show proof that an actual investigation was performed, and after only 3 days of receipt and acknowledgement of the request, the credit reporting agency simply updates the items as accurate and choses to notify me electronically that the negative items will remain on my report. The notification of status update is done by electronic means as opposed to mail as requested. The rejection to perform the necessary requested investigation and the refusal to provide copies of the ask for documentation is a clear violation of my rights under the FCRA. Requests in writing started in XX/XX/2022, XX/XX/2022, XX/XX/2022 and again in XX/XX/2022. Investigation requests has been submitted in writing and were requested to respond in writing as well as provide actual signed documentation to support the results of the investigation has well exceeded 30 days and still NOT YET been received. The credit reporting agency has ignored my requests and it has far exceeded 30 to 45 days ; its been months later.
Consumer complaint received 2022-04-07
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. (AL)

Due to ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

These following accounts has failed to provide proof of debt. I am also a victim of XXXX date breach XXXX  and identity theft victim. 

The following accounts should be removed due to inaccuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Convergent Resources, Inc. (MD)

On XX/XX/2022 I settled my debt with convergent outsourcing. The original creditor is XXXX in which I owed XXXX. After settling I realized that the same debt was reporting to my XXXX credit report. Today is XX/XX/2022 and I have duplicate accounts reporting to my credit report. One of which is stating I still owe XXXX. I have contact XXXX and Convergent Outsourcing with no success.
Consumer complaint received 2021-12-03
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. (GA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2021-07-15
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. (IN)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I filed a dispute with XXXX, TransUnion, XXXX and XXXX XXXX involving a public record that is inaccurately reporting on my credit report. It is a publica record more specifically a bankruptcy filing showing both the assets and liabilities sections inaccurately. They are required by the laws outline in the FCRA to report all information on my report 100 % accurately. The assets and liabilities sections both show as {$0.00}. This is incorrect and I disputed the information on numerous occasions. They promptly " VERIFIED '' that information. I disputed it again and it was yet again " VERIFIED ''. I asked specifically HOW they verified the item and they reported that they used a 3rd party. I received a letter from the Courthouse stating that they " DO NOT REPORT ANY INFORMATION TO ANY CREDIT BUREAUS ( I have included a copy of that letter as proof ). I also obtained my own court documents had have attached proof showing that the assets and liabilities was more than {$0.00} and that my rights were violated because of ALL of bureaus refusal to investigate properly.
Consumer complaint received 2021-02-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GreenSky, LLC (NM)

On XX/XX/2020, I contracted with " XXXX XXXX XXXX XXXX XXXX XXXX XXXX' XXXX XXXX ) to replace windows and 2 doors in my house in XXXX XXXX NM. They set up 18-month same-as-cash financing with Greensky of XXXX, GA as part of the sales incentive. Payments were supposed to be 50 % to start and 50 % at completion. In XX/XX/2020, due to bad experience with XXXX, I asked for a hold to be put on the account to stop any more payments to XXXX. Greensky agreed, placed the hold, and has always agreed the hold was placed. However, on XX/XX/2020, Greensky paid XXXX the second 50 %. At this time, XXXX had not satisfactorily completed the work. I had not been contacted by XXXX claiming they had completed the work. There were still 2 significant problems with the work. I was not contacted by Greensky either, asking to lift the hold. After several failed attempts to fix this by phone, on XX/XX/2020 I sent an email to Greensky followed up by a letter on XX/XX/2020. XXXX XXXX of Greensky responded to my email and opened an investigation. On XX/XX/2020, XXXX called me to say that the investigation found that I had signed a document attesting to the completion of the work ( which I absolutely could not have since I have had NO contact with XXXX since XXXX XXXX and that document allowed them to lift the hold from my account. As of that evening, the disputed charge had been added back to the account. 

I asked XXXX to forward the document she said allowed them to pay, but have not received any reply. I also managed to finally contact XXXX XXXX XXXX XXXX XXXX who said they would try to get the problems fixed and would send the documents that allowed them to take the final payment from Greensky. I have not received any copies of such documents at this time.
Consumer complaint received 2022-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

Hello Im a victim of a Debt Card Fraud that happened XX/XX/2022. Ive been reaching out on chase bank but I feel like theyve been passing me around and not taking me seriously. On XX/XX/2022 I received a notification from my XXXXphone device that my debit card was removed from my digital XXXX XXXX I immediately check my Chase Bank App because I didn't do any changes to my XXXX XXXX There, I saw that there was an unauthorized withdrawal transaction of {$3800.00}. I do not recognized this transaction and it happened on the same day. I was at work at that day. I immediately called Chase to report the fraud claim and to cancel my debit card. I gave them the details and I was told that my case will be reviewed. I was told that the transaction happened through a XXXX XXXX  from an XXXX  device. Therefore I showed them proof that my phone is an XXXX and I even printed out my time card at work as an evidence that I was at work when the transaction happened. My case was denied one after the another. Chase fraud department has been passing my case around. I was informed that the transaction happened at one of my local bank at XXXX XXXX XXXX, XXXX XXXX  XXXX. I went to the bank to seek for more advice and help. My case was even brought up to the corporate fraud department. However, Chase Bank still denied my case. Their reason is that " there was no other changes made in my account '' This does not make sense since whoever stole my money switched my apple pay to a different phone which is an Android phone. Its unfortunate how theyve been treating me and I have nobody to help me. What I needed is someone or if anyone can give me guideline of where would I go from my case. I reported this incident to my local police department as well but haven't receive any update. I'm helpless at this point and don't know that next step on how to get my money back. Please feel free to call or email me. Looking forward to talk to you guys
Consumer complaint received 2021-05-07
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. (MA)

On XX/XX/XXXX and XXXX, my credit care was used to make four purchases totaling {$410.00}. 

I had not used the card prior to the day before when I used it to have repairs done on my car at the XXXX dealership. And then the next day, these other charges appear. Citi flagged the transactions as fraud, and we closed the account. I was told the charges would be submitted as disputed. 

When I went to pay the bill the next month, the charges were still there. I called to ask what happened, and they hadn't even opened the dispute. I asked them to, they did, then a week or so later I got a letter that said the dispute had been closed because they did not get some information they needed. This was after I'd answered the same battery of questions on the phone twice. 

I called back and complained and they reopened the dispute again. Now, they have determined that the charges weren't fraudulent and have accused us of theft. I did not make these charges. My husband who's an authorized user on the account did not make these charges. Citi even flagged them as fraudulent, which is what started this whole thing. How are we now being held responsible for them? I can not prove a negative -- we destroyed out cards as instructed when the account was closed. I can't prove anything now, and am on the hook for money that's a big deal for me, but chump change for a mega-corp like Citi -- which I don't doubt will have to be bailed out by me, the taxpayer, at some point in the future. 

I will never bank with Citi again, that's for sure. I will be closing both accounts as soon as humanly possible. But how do I get the {$410.00} in charges I DID NOT MAKE removed from my account? I've been a Citi customer -- one of their premier members or whatever they call them -- since XXXX. This is appalling customer service. 

It's also worth noting that the actual money I'm going to be out here is well more than the $ XXXX.I 'm a self-employed small business owner. My time is valuable. But Citi has wasted hours of my time on this dispute with multiple phone calls and putting me on hold for 20-30 minutes at a time and then giving me this run around. And those calls -- they have all had terrible sound quality and people who clearly don't speak to each other and barely can communicate to the customer what's happening. This is no way to treat honest customers who pay their bills on time.
Consumer complaint received 2022-04-28
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: Resurgent Capital Services L.P. (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any Purpose
Consumer complaint received 2018-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (AL)

On XX/XX/2018 I sent a letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. Additionally, I am allowed under Health Insurance Portability Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did NOT give permission to any of my current or prior providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be reveled with the patients authorization. Therefore, my request is twofold- validation of debt and HIPAA authorization.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OK)

I am writing to request that the account charge-off placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification Equifax and XXXX and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. 
The XXXX Account was established in XXXX of XXXX The address attached to this account differs from the address I have lived at since XXXX The payments made on this car was drawn from a bank account that is not mine, this bank account was opened from an address that is not my address. 
The Co-signee on the accoiunt is NOT RELATED TO ME I do not know him. He is in fact of a different race.