davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
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. (AL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (NY)

CPFB complaint # XXXX was filed on XX/XX/XXXX regarding this matter. I purchased a car at XXXX XXXX XXXX XXXX XXXX  with a loan from Credit Acceptance Corporation. The car was a lemon and had numerous problems, which caused me to be upside down. I made a decision to have the car repossessed with Credit Acceptance 's agreement. Credit Acceptance never honored the agreement so as of XX/XX/XXXX, I spoke to XXXX in the XXXX XXXX and XXXX at XXXX, extension XXXX, who advised me that the car is noted to have been at the XXXX XXXX XXXX XXXX XXXX location at XXXX XXXX XXXX, XXXX, NY. Credit Acceptance said that they decided to not repossess the vehicle and that they could not provide anything in writing regarding the account status, the vehicle whereabouts and their decision to not repossess the car. However, they did say the ownership of the vehicle was still mine and that they could offer a settlement of {$2100.00} to close the account. For XXXX years, I have contacted both companies, Credit Acceptance Corporation and XXXX XXXX XXXX XXXX XXXX and they failed to cooperate with me. I have contacted XXXX XXXX XXXX XXXX XXXX multiple times and have been given the runaround. I spoke to both administrative staff and sales managers, all promising that someone would get back to me. On XX/XX/XXXX, a person by the name of XXXX called me and left a message. 
When I returned his call, I was told by a receptionist that he no longer works there. At this time, I do not know where the vehicle is located, and I am afraid the vehicle could be used for illegal or unauthorized purposes. I was advised by my legal attorney to pursue legal action against them, since I still hold title to the vehicle.
Consumer complaint received 2024-03-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I am Victim from scam/fraud. i have sent money through wired transferred 2 times different dates are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. {$6200.00} from my checking Accounts. 
XXXX wired transfered from my checking Account. 
as soon i find i am victim On XXXX XX/XX/year>. Police, and called Truist bank. 
they took details on telephone. 
Bank has started investigate Dated on XXXX XX/XX/year>. 
and end On XXXX XX/XX/year>XXXX  Based on our investigation, Truist denies your claim for reimbursement bank will be reimbursed can not guarantee whether its attempts to recover these funds from the depository bank will be successful. If recovery is successful, we will reimburse your Truist account in the amount of funds received from the depository bank, less applicable fees and will notify you of the credit to your account via US Mail.
Consumer complaint received 2022-11-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX, I Consumer, and a natural person who is aware of all rights that I have, which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, and FDCPA,15 U.S. Code 169215 U.S. Code 1692 - Congressional findings and declaration of purpose abusive practices - 15 USC 1692a ( 5 ), 15 U.S. Code 1692f - Unfair practices. 

XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX Account number XXXX XXXX. DEPT OF EDUCATIONXXXXNELN Account number : XXXX 115 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and proof of debt assignment to the Collection Agency.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting 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 antedates the report by more than seven years.

15 U.S.C 1681s- @ ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose..
Consumer complaint received 2021-09-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gurstel Law Firm, P.C. (AZ)

Gutel Chargo has gotten a garnishment on my wages. I was never notified of any court proceedings, even the post marks on the documents from the collection agency of the court decision are dated after the garnishment started. The wages being garnished are @ 70 %, plus 25 %, the judge did not care Im recovering from XXXX and a XXXX XXXX, or the fact that this has left me at the point of eviction, since the case, the court, it was all done without my knowledge, in a court out of jurisdiction, in absentia. The XXXX XXXX XXXX court is also not providing any option to appeal.
Consumer complaint received 2024-03-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (OR)

Out of the blue SEQUIUM ASSET SOLUTION added XXXX $ debt on my credit. 
I disputed it with all 3 credit agencies because i have 0 idea what this is- it is not mine. I dont owe XXXX  anything, and i dont owe anyone anything. All 3 credit agencies deleted it over the dispute. 
Now, today, they added it back as a new collection a month later, but only on XXXX. 

Prior to this i had a fraudulent charge with XXXX  that was also removed for a different amount! I notified XXXX, i also disputed it when it got to a different collections agency, which was also removed due to being found to not be a valid debt - JUST LIKE THIS ONE. I dont know what is going on, but it is wrong and I feel like it is fraud in THEIR part at this point. Ive not even gotten a single bill or notice. This is utter XXXX.
Consumer complaint received 2022-11-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (GA)

Attn : Office of the CEO I was traveling overseas and had access to my mobile banking. I checked with their agents today and XXXX is not a blocked country. However, I could not log into my account and called customer service to try to unblock. Despite multiple verifications ( of which a fraudster could not accurately have access to ), my access was not enabled. I wanted to transfer funds from one of my accounts to another to cover a pending item. Despite numerous calls and attempts through automated system, etc. I was not able to. 

They advised that the only way to resolve was to go into a branch upon my return to the USA. I like in Georgia now and they do not have branches. To make matters worse, I was charged overdraft fees for those accounts ending in XXXX and XXXX totaling {$45.00}. 

I am requesting a refund of these fees as I had funds available to be transferred but their agents would not help me through the multiple avenues available. 

This was a terrible experience and where common sense should overrule procedures. Asking someone that has verified very detailed questions about the account to come to a location from overseas is absurd.
Consumer complaint received 2022-11-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC. (TX)

My car loan is financed through Exeter. I experienced a financial hardship that caused me to get behind in my car note {$2000.00} which included late fees. I paid the balance. I got back on track with my payments. I mistakenly double paid my car note which showed as a charge in my online account as opposed to a credit so I called Exeter. Nobody ever mentioned outstanding late fees or that the overpayment could pay any outstanding late fees. I just log in and pay what it shows i owe. I log in and it says I owe {$900.00} instead of {$620.00}. I call on XX/XX/22 and am told a request would be made to have the payments applied to late fees and it would take 72 hours. I follow up on XX/XX/22 told its still not done. I call XX/XX/22 and was told it would be done that evening I call XX/XX/22 and the rep doesnt know what Im talking about.
Consumer complaint received 2022-07-13
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-02-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (UT)

Paypal all day me my wife been trying to add debit card to her account to pay bill due today Pawn Shop.Because of Paypal will Not take infomation so we can pay today XX/XX/2020 ... .Fist it was XXXX XXXX putting Stupid Security Protection.Well paypal is charging us {$1.00} to add our Debit Card an putting it on Hold.Well that is wrongfully XXXX XXXX.Paypal needs to be counted for us loosing laptop in pawn shop being Jerks they are.Then make us log in get code they will not take card like i done couple days ago no problem and paid for XXXX items.Now my wife tried to do samething paypal giving her so much grief.My wife can not take this XXXX she has XXXX XXXX on her XXXX   it could Burst an die because paypal and XXXX XXXX from XXXX/XXXX with Blocking us with Security Monitor i ask for them to take off we don't live in XXXX Arizona in Utah..Paypal will Not let me add my New Address update because it is GENERAL DELIVERY, funny XXXX let me due it.I just bought many items from XXXX in last 2-3days my address was General Delivery an paypal let me add Credit/debit card within seconds to pay with.But it ask to save i didnot put check mark in.But i did anoughter Trans action, Well Paypal had my Debit Credit Card on file when they suppose to Delete it an Not Save it as i ask ....
Consumer complaint received 2022-11-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (GA)

We received a notification back in XXXX, 2022 regarding a credit on the account. After several months and attempts to inquire about the credit on the account, it has not been received. By now we thought the credit would have been applied to the account. 

We are asking that you open an inquire regarding this credit on the account.
Consumer complaint received 2022-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER HOLDINGS USA, INC. (NY)

I filed the complaint in XXXX. Santander responded but didnt address my issue. My complaint was closed but not resolved.

During the modification process, Santander failed to keep in contact with me and didnt explain all my options. When I was able to reach someone I was given inaccurate information which miss-leaded me. I was instructed to sign a modification that was more expansive than what was available at the time. I was advised that the rate will get adjusted later if I request it separately. When I made the request, I was told that since I signed into a program, no changes were available. Santander apologized for the lack of communication, but didnt do anything to assist me with reducing my rate and payment to an affordable level.
Consumer complaint received 2024-03-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (IA)

I'm just trying to get my XXXX  card activated. Following the steps provided in-app triggered the Fraud alerts and has caused me an additional week delay, at a minimum, with no explanation. 
The only way I could have resolved it would have been to use a *different* phone number to verify it's me, which makes no sense. Citi has been having issues with their fraud alert systems for years, has claimed they will change it, and yet the problem remains. 

Dozens of examples of this issue can be found at the following links : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Please note many of the examples are in the comments on the XXXX threads, not always just the main post. XXXX
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IL)

Facts : Chase Sapphire Reserve Credit Card XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX - Annual Membership Fee {$550.00} ( paid ) XX/XX/XXXX - XXXX XXXX XXXX XXXX  from {$13000.00} to {$1400.00} - taking the amount of annual fees charged to 39.2857 %, which exceeds the 25 % limit. 
XX/XX/XXXX - Membership Credit was issued ( auto generated ) to my account of {$550.00}. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX - Annual Membership Fee {$550.00} ( paid )- the percent of annual fees charged to the Total Line of Credit was 39.2857 %, which exceeds the 25 % limit. 

per section 1026.52 Limitations on fees under the eCFR ( The Electronic Code of Federal Regulations ) it states : The total amount of fees a consumer is required to pay must not exceed 25 percent of the credit limit.

My fees are 39.2857 % - thus in violation of the Federal Regulations I have contacted Chase multiple times regarding this issue and each time they have stated that they are unaware of this rule and have no way to manually credit me the Annual Membership Fee.

I am writing this in hopes you will be able to help me hold Chase accountable for not following the Federal guidelines.
Consumer complaint received 2022-11-15
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliant Capital Management LLC (AK)

I have been receiving calls non-stop from an unknown number without identifying themselves as a debt collector until today, XX/XX/22. The debt collection agency is called Alliant Capital Management. Each time they have called before today, they have not left voicemails identifying themselves and they have called multiple relatives to locate me without stating who they are or what company they are with. I was unaware if this was a scam and I am still unsure of what it is. Today, I also received a call at work. I believe this is harassment and abuse.
Consumer complaint received 2024-03-02
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (WA)

We ordered XXXX XXXX online when were moving into our new home. After finding out that we could keep XXXX internet at the new address, I tried to cancel XXXX internet online, but was unable to because of long wait times. 
We received the comcast ( XXXX  ) installation kit at out new address and sent it back to XXXX unopened and unused. No internet service was started with XXXX ( XXXX  ) Here is a confirmation email from XXXX : Your equipment return details. My Account XXXX  We received your equipment Thanks! Your equipment return is complete. Your account has been updated to show that we received the following equipment : Model # Serial # XXXX XXXX We value your input. Please click here if you'd like to share feedback about your experience. 

I have confirmed with XXXX or XXXX XXXX representatives and confirmed with them that we never started this service with them. 
I was continuously harassed by XXXX with countless phone calls and emails, even after they knew that I did not start the service and they received the equipment back that was never used or opened. 
Now there have been at least XXXX different collection agencies trying to collect a debt I did not incur. 
I believe XXXX actions on this are fraudulent, dishonest, and outright harassment. 
Thank You XXXX XXXX
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-13
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Experian credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$680.00}
Consumer complaint received 2022-11-15
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: Eastern Account Systems of Connecticut, Inc. (VA)

In XXXX of this year I went to XXXX to begin cell phone service since I had just gotten a divorce and wanted a new phone and account. At that time I was told they could not offer me service because I had an outstanding bill. I have never had an outstanding bill. So I called XXXX and they directed me to a website that looked unofficial. On that website all it said was to fill out the form and submit my drivers license, social security card and other personal date that I was not willing to submit. I did speak to the collections agency a month later and they said not to worry about it because it was being being reported. I have had medical issues since then so I dropped it. Now I have disputed it through experience two times and no one can give me proof that it was my account. The company can not prove that I bought anything or signed anything from XXXX at my home address. 

I need to know what next steps I can take to repair my credit Thank you XXXX XXXX
Consumer complaint received 2024-02-08
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. (RI)

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.