davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

on XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX  in the amount XXXX including taxes and tags ..the car came with no XXXX in which the dealer website states that they provide you with a XXXX for each car .. on XX/XX/XXXX the XXXX XXXX transmission stopped while XXXX traveled to work ... XXXX the carsaleswomen assured me they would fix the transmission nd I have my car back ... wasn't provided with a rental or loaner car for the duration of the time I needed to travel ... on XX/XX/XXXX I returned to XXXX only of XXXX to explain to me that they still hadn't fixed the car .. so I said to her I had to wait or I can be reimbursed for the other vehicle .she explained that a refund was outta the question and that only option was finance .. I stressed that I didn't want to finance cause I didn't want the headache, I asked for a refund and she refused again. she proceedsto offer me finance options, the pressure was heavy and I was sure because of the demographics I wasn't getting my money back .my back was against ..I noticed the agreement was trumped up the car asking price was XXXX, XXXX reports its value XXXX ... ... however the contract states XXXX I'm guessing she used to get over on person who reside in poverty stricten areas however I feel like my human rights was violated. As well a the proper documentation which would have allowed me time to make a decision ... I also had to repair the tires rotors bearrings, front light bulb and both sets of brakes ... she went into the office with whom ever the owner is and then cam out with scheme I was also told I had to get the warranty upon checking the warranty didn't provide the necessary coverage that was needed .. I then brought the car a few months ago to a side dealer who on XXXX XXXX whom jfixed the timing belt ... after I noticed that when I accelerated the peddle the foul smell of burning rubber would come arise ... I took the car back to the dealer only for here to ask if she could refinance my loan thru the bank to lower the payment and add 2yrs on the the current five year loan she stuck me ... also the person who generated this contract name is XXXX XXXX XXXX XXXX, CREDIT ACCEPTANCE XXXX XXXX
Consumer complaint received 2021-01-13
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: DISCOVER BANK (PA)

On my report there is a closed account with missed payments. DISCOVER FINCL SVC LLC # XXXX Its not mine account. This account belongs to my ex wife. I no longer share finances with her, I want to ask XXXX  to remove it from my credit report.
Consumer complaint received 2021-01-13
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. (MD)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-01-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DMB Financial, LLC (AZ)

I signed up in XX/XX/XXXXfor debt consolidation with DMB FINANCIAL on XXXX XXXX they said that after they settled all debt they would take a fee of 25 % as their fee ;. I tired to negotiate the fee as for their services as it was high they said the 25 % was allowed by the state of AZ they called me in XXXX saying the had first fee settled with XXXX card {$1.00} and change and now they wold take 25 % per file per credit card. Said that was not what you represented when I agreed to your servicer they said 25 % is open to interpretation. 

NOTE I had tired to fight XXXX card since XX/XX/XXXXfor a lost payment of XXXX dollars which i they first acknowledged and said me a credit then two months later said they had made and error the Supervisor who had found the error vnsihded form working at XXXX  in XXXX. 

I had filed this as a complaint in AZ Attoney gnerail nothing was done so in XX/XX/XXXXI signed up for this credit consolidation of debt with
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2021-01-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (NC)

Discover bank reversed two deposits from XXXX XXXX, but my XXXX XXXX account does not receive them. I personally think this is Discover 's problem, because they can not provide enough evidence to prove that the transactions really exist. I called many times, and Discover 's representatives gave me inconstant reasons. I also contact the XXXX XXXX customer service, they can not see any reversed deposit in my account, and they insist that they do not request any reversal. If they do not request the reversal, that will be Discover 's issue. 

XX/XX/2020 Reversed ACH deposit from XXXX XXXX  {$40000.00} Reversed ACH deposit from XXXX XXXX  {$50000.00}
Consumer complaint received 2016-03-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I was steered to an in house modification and have been making trial payments toward that end. Although I applied for a HAMP modification, I was never given a decision on it. 
Through HAMP, I have made 6 years of on time payments and was never given the opportunity to should recast/reamortize my loan with the HAMP program. I would like Wells Fargo to complete the following form and give me a recast option. 
XXXX
Consumer complaint received 2018-05-29
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX. I have been trying to get information about an account in my name from Wells Fargo. The account has an exclusion allocation amount of XXXX. I've been contacting the bank consistently trying to get information about why the amount was so high. I first opened the account on XX/XX/2016. I only opened a checking and savings account. While I was sitting with my banker he informed me that I had three retirement accounts. I looked into the accounts and there was never a balance, but after contacting a Wells Fargo advisor I was informed to contact an tax accountant. The problem is the bank will not release my account numbers to me. I've been receiving false documents from Wells Fargo along with XXXX XXXX. I also tried getting my credit report from XXXX. The customer service agent informed me that my information didn't match what he had on file. I think some one has power of attorney of my rights. I've never been informed about who this person is. There's also a retirement account from XXXX XXXX that I can't access. I need help getting financial information accessible.
Consumer complaint received 2015-08-25
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (CA)

Purchased jewelry at XXXX and sales associate split the credit on XXXX cards XXXX being XXXX account and other being synchrony.We were not informed of the interest rate on the synchrony until after we made the purchase being at XXXX it will take us 10 years to pay the XXXX dollar depth off.Knowing that we would of not made the purchase, I feel they did n't properly explain this to us now we 're stuck with this terrible account.
Consumer complaint received 2015-07-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LJ Ross Associates (MD)

I originally submitted a claim Case number : XXXX requesting that the credit reporting agency XXXX remove an item on my credit report that the original creditor XXXX ( XXXX ) had resolved as not being my account nor responsibility. In the response XXXX stated that the collection agency LJ Ross Associates states that the debt is valid, whcih is contrary to the information from the creditor in letter dated XXXX XXXX, 2014 which is attached. As the creditor states this is not my responsibility the collection agency can not continue to keep this item on my credit report thereby negatively impacting my credit score.
Consumer complaint received 2022-10-13
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: DISCOVER BANK (CA)

Between XXXX I purchased multiple concert tickets. This included a charge of {$820.00} to my Discover credit card ending in XXXX paid to Merchant : XXXX XXXX XXXX XXXX XXXX XXXX. However, I never received the tickets. I contacted Discover customer service dept. approximately four weeks ago, and I was told by the person I spoke to, that I would get my account credited for that amount. However, I received correspondence from Discover dated XX/XX/22 informing me that reversed their decision.
Consumer complaint received 2015-06-10
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received a phone call at my employer from portfolio recovery on XX/XX/XXXX at XXXX. I told them that I work at a XXXX and it was very unprofessional to call me here. I asked them put my employers phone number on their do not call list and asked them to not call my employer again. On XX/XX/XXXX at XXXX I received another phone call from them at my employer 's and then another phone call from them on XX/XX/XXXX at XXXX. I took a picture of the caller Id showing both of these violation calls. I called them back on XX/XX/XXXX at XXXX and told the rep that I have received another phone call from them and he said that his notes show my request for my employer 's phone number to be removed on XX/XX/XXXX and that I should not be receiving phone calls to this number. He acknowledged the XXXX violations from the company and gave my his supervisors name and phone number.
Consumer complaint received 2022-10-13
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. (LA)

In accordance with the fair credit reporter XXXX XXXX XXXX XXXX XXXX XXXX amount XXXX XXXX # XXXX Date : XXXX. has violated my rights 15 USC 1681 section 602 8 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 your account without my written instructions.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (IL)

Experian never properly analyzed nor investigated the account that I submitted a dispute for which is Social Security Administration. They also never submitted me a letter of validation in the matter to how they investigated the problem
Consumer complaint received 2022-08-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

WAKEFIELD AND ASSOCIATES They have added a duplicate account to my credit report saying I owe something I do not. It is a fraudulent accusation an I have attempted to fix this via a direct dispute an threw the company but have been unable to find a solution. 

WAKEFIELD AND ASSOCIATES XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX
Consumer complaint received 2015-10-02
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Blakely-Witt and Associates, Inc. (TX)

BLAKELY WITT & ASSOC with an address of XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX states I owe them {$260.00}. I found this out when I looked at my credit report. I do not know what this is for, I do n't know who these people are, and they are reporting negatively on my credit history.
Consumer complaint received 2019-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MA)

Synchrony Bank harrasses people. I've complained about them before but you miss one payment and they call you all day long. I'm on the do not call list and i blocked them from calling me but when i look at my call list their number is on there roughly 6 times a day my bill is due on the 1st and they have been calling me everyday. I had trouble with them before not wanting to work with me they just would threaten me they need to be stopped
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

I can not access my consumer report because it is not available in an accessible format. This reporting agency only provides reports by U.S. mail, which is not accessible for a person who is XXXX. This is important because I was just denied the ability to open an account based on information on file with this agency, and I am unable to meaningfully exercise my report-access rights under the FCRA.
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Consultants of California (CA)

Collection Consultants have reported XXXX medical collections on my credit report that should not have been reported for several reasons. 1- I have insurance and the medical bills were 100 % covered by my medical insurance. Any bill that would have not been paid XXXX 100 % I did not agree with and I would have disputed. 2- I was never notified that they were attempting to collect a debt. Collection Consultants made NO EFFORT at all to reach me and validate these XXXX minor medical collections. I have lived at the same address for several years and have received no correspondence from them at all nor any verbal communication. As they never validated this debt they do not legally own the debt and to not have a right to report something they do not own. I have had the same phone # for 15 years. This is in violation of both FCRA and the Fair Debt Collection Practices Act. 3- they NY Attorney General has settled with the reporting agencies regarding medical collection accounts.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I had opened Wells Fargo XXXX Checking account on XXXX XX/XX/2022 with a cash back promotion of {$200.00}. Terms and conditions of the promotion : 1. Receive a total of {$1000.00} or more in qualifying direct deposits to the new checking account within 90 calendar days from account opening ( the qualification period ). 
2. Once the 90-day qualification period has elapsed, we will determine if you have met the offer requirements, and will deposit any earned bonus into your new checking account within 30 days. 

I opened this account online following the right promo code. 
Called on XXXX XX/XX/2022 at XXXXXXXX XXXX.. supervisor confirmed I will get the bonus. He stated that last time I got cash back bonus on XXXX XX/XX/2022. So I am good and will be getting {$200.00} bonus. 

It's almost 90 days and I called Wells Fargo today also. After 2 transfers, talked to XXXX. I am told that they are not aware when i will be getting {$200.00} bonus. She created some case which starts with IN. Call happened at around XXXX XXXX
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (PA)

On XX/XX/XXXX I noticed on my credit report an account on my report that was not mine I called the company in question that day and reported it to them the took it from there I also contacted XXXX XXXX and reported it as fraud as well and put a flag on my credit for future fraud attempts the amount is for {$11000.00} according to my credit report and the company is Jpmcb and I do not have any knowledge of this account its a fraudulent account and this account according to my report says this was closed on XX/XX/XXXX and that it was opened in XXXX of XXXX and it says it has XXXX XXXX and never had a XXXX  I dont understand any of it these are things on my report that dont make any sense the fact that it just suddenly appears on my report is unexplainable and very disturbing to me ... Jpmcb removed the account from my report back in XX/XX/XXXX and then just today XX/XX/XXXX sent me a letter dated XX/XX/XXXX which is extremely late and it says they found that it was my account and theyre going to send it to the credit bureaus I just dont understand the angle or game here this company has played enough games with me to last a lifetime I dont want any contact with them as I already feel threatened and harassed by them they show up one day and now this and I dont even know who they are
Consumer complaint received 2020-04-20
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have never done business with BoA - I just recently moved to the XXXX XXXX area and I'm being told that there were accounts opened in my name using my information. 
I've been a victim of Identity theft before and thought this was cleared up - I am not able to open an account due to this. 

Please assist.
Consumer complaint received 2022-10-13
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. (NY)

In accordance with the fair credit reporting act. The list account below has violated my federally protected consumer rights to privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX  # XXXX Has violated my rights. 
15 U.S.C 1681 Section 602 A.States i have the right to privacy 15 U.S.C 1681Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer report an agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which enter dates the report by more than seven years.

Under 15 U.S code 1681e ( b ) and 15 U.S.code 1681i ( 5 ) the division of child support account that is reporting to XXXX XXXX, Equifax, XXXX.is in violation not reporting 100 % accurate, it list the child support court as the furnisher thats forgery and misleading when the courts dont report this type of account, its also in violation of Per-missional Purposes. They also need direct written consent from me to report anything on my report.
Consumer complaint received 2022-10-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX I received a text from a person I thought was My friend XXXX, I told him that he needed {$400.00} XXXX send him via Venmo the amount XXXX had changed his phone number the reason was that some company had the same number attached it an official document with that old phone number BUT... but I still kept THAT old number list on my phone. What I didn't realize that that the text I received came from his old discarded # and that I had sent the money to that # I contacted my friend at a new number, and he claimed he never asked for anything. This was XXXX XXXX after the transaction and the money wasn't taken out of my account by then ... I called Venmo right away and they told me that there was nothing they could do, that the transaction had been done and that I should call my bank... and I did. the bank told me that there was nothing for them to do because the transaction didn't happen yet the money wasn't taken out of my account. the next day XX/XX/XXXX I contacted my venmo they claimed that they will start an investigation and I have the investigation number, ATTACHED is an email from venmo with that number. I also when to my local bank branch and spoke with a fraud person there, and they started an investigation too.
Consumer complaint received 2021-01-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Bureaus, Inc. (FL)

I have written several disputes to XXXXhe Bureaus Inc, and have received no response at all. The yare reporting to my credit. This is a violation of the FCRA, they are not allowed to report to the credit bureaus without first letting me know. They have also not responded to any letters I've sent them, another violation of the FDCPA. They have failed miserably in their duty and must remove this erroneous account immediately!
Consumer complaint received 2021-01-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC (NJ)

During the Covid-19 pandemic I was furlough on my job went back to work a few months ago and my vehicle I purchased XX/XX/XXXX I have been making payments on the vehicle was repossessed on XX/XX/XXXX I just made a payment on XX/XX/XXXX had a arrangement for next payment to be withdrawn from my personal bank account two weeks later but instead they repossessed the car I need help
Consumer complaint received 2016-11-19
Product: Credit card — 
Issue: Transaction issue — 
Company: AMERICAN EXPRESS COMPANY (CA)

What happened is there was a authorize on my account & the Merchant release it next thing I know you people at American Express are telling me I need to wait an additional 8 more days after it was released by The Merchant I personally feel you guys are con artists the most rudest XXXX that I have ever had to deal with in my life