davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (CA)

Step 1 : What is this complaint about? Wrong information.

Step 2 : What type of problem are you having? Reporting wrong information to credit bureau.

Step 3 : What happened? They offered me to pay {$100.00} instead of $ XXXX  monthly in the pandemic period, and promised it wont affect my credit, but they reported as a late payment. 
Step 4 : What company is this complaint about? Bridgecrest Step 5 : Who are the people involved? If you look through your website over 500 people involved with this.

During the Pandemic, I lost my job. Meanwhile, I applied for unemployment, I called to the bridgecrest ( company for auto loan ) and explained my situation so they offered me the monthly plan XXXX {$100.00} per month XXXX instead of {$330.00}, which was lifesaving for me at the time. Before, I accepted the deal, had spoken to differ representatives several times and specifically asked them is this monthly plan would hurt my credit? And they said, '' no worries, as long as you pay on time, we wont report it. Unfortunately, 3 weeks ago, I found out that they reported as delinquent to the credit reporting bureaus, and my score dropped down 107 points!! I called them over 10 times and talked to the representatives and the customer relation departments but they didn't help me. I asked to talk to the manager or supervisor but they didnt connect me to them and promise me that one of the managers would call me but it never happened. Recorded call is existing for you to make sure it was bridgecrest companys mistake. This company mislead me by providing the wrong information and ruined my excellent credit score. During this pandemic, all other companies are helping customers but this company not only didn't help me, also made my life miserable. also attached bank statement and loan payments that you can see, I paid all previous payments on time and also paid {$100.00} on due dates.
Consumer complaint received 2021-07-07
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC (NJ)

On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX New Jersey. I was given a warranty through XXXX XXXX XXXX and financed through Westlake Financial. The vehicle cost XXXX and I put down XXXX on the car. However in XX/XX/XXXX the engine of the vehicle overheated. After contacting the dealership and the warranty company they both refuse to take responsibility and give me my money back and end the contract.
Consumer complaint received 2020-08-20
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: EQUIFAX, INC. (CA)

Upon checking my XXXX account through XXXX, I noticed student loan accounts in my name from the University XXXX XXXX, XXXX. 

I never attended the University XXXXXXXX XXXX, XXXX in my life and have never taken courses at the university. Most importantly, I never applied for financial aid and/or take out student loans through the University XXXX XXXX, XXXX. 

I believe someone committed fraud and stole my identity to perpetrate this massive crime in my name at the University XXXX XXXX, XXXX.
Consumer complaint received 2020-08-20
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: SUNCOAST CREDIT UNION (FL)

I have a loan with SUNCOAST CU. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and SUNCOAST CU with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

looking at the information listed on my credit report I am interested in processing disputes with Equifax to clear all inaccurate information listed on my credit report. please delete the items listed to help clear my file asap.
Consumer complaint received 2021-06-06
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. (GA)

I needed to upload the information because there are so many pages of information. I have attached the summary of what happened, the credit card letter, the information of purchasing including the bank charges and then the credit card charges made. The receipts, return receipts and scans of gifts cards are also attached. Also, please look at the seller 's information on tracking. XXXX does not understand why the return is to XXXX because it was shipped from New York ; however, XXXX has to go by what is on the seller 's XXXX account. Screenshots of text from XXXX  as well as the seller. This is way too much money to lose. I hope and pray you can help. We are middle class and do not have this to lose. 
Thank you!
Consumer complaint received 2022-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HOME BANCSHARES, INC. (AZ)

I was scammed and contacted the bank with all info, including reports, account name and details and the bank did nothing to reverse transaction, or press charges to the account holder even though they had all information, police, ftc, fbi, cfpa. Reports. The bank aloud a criminal to steel my money, a wire of $ XXXX to the account of XXXX XXXX. At XXXX XXXX XXXX., They could of returned my money and instead ignored me and criminal activity.. I am a victim and have been discriminated against by the duty of the bank not doing thier job, I will not stop till I get my money back, the banks need to be held accountable for taking no action to reverse my money.
Consumer complaint received 2021-01-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

I filed a police report for identity theft because there were items reporting to my credit report that were not mine and illegally opened under my name and reporting. I sent my dispute letter out with the police report and they have still not removed these items.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Beginning in 2019, Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX XXXX  XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, Experian, XXXX  or XXXX, no longer responds, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with XXXX, Experian and XXXX  claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NC)

Used my credit card issued by Chase at a XXXX on XX/XX/XXXX and several hours after that I started getting notice of international charges being put on my account. 
I am trying to contact Chase but they do not answer their telephone number. I have waited for someone at Chase fraud department for over 45 minutes only to be cutoff. My current call which is my fifth attempt has been on hold for 45 minutes. 
I have put a block on this particular card but wanted to be sure that Chase does not pay the current pending charges on my account. 
The card has also been put on XXXX XXXX  without my consent.
Consumer complaint received 2020-11-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A. (DC)

I received a mailer in late XX/XX/XXXX sent by Citi Bank offering XXXX American Airline miles if meet three clear requirements : open a Citi Bank checking account, charge {$750.00} with a Citi Bank ATM, and make 2 payments using their electronic payment system. The offer required an application be made by XX/XX/XXXX. My personal reference number for the offer is XXXX. The fraud I believe is that unlike the 3 requirements noted above which are clearly note in the mailer, there also is a requirement to have a {$50000.00} balance some where in a Citi Bank account. This requirement, rather than being clearly disclosed, is in a long list of footnotes printed in tiny gray print which I believe is meant to deceive. Unless you give Citi Bank {$50000.00} in assets the offer is void. No where is this clearly disclosed. This in my opinion is a bogus offer meant to deceive you into opening a Citi Bank account since the {$50000.00} requirement is not clearly disclosed, and therefore the offered incentive will almost never be able to be claimed Thank you
Consumer complaint received 2021-08-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

I recently found out that I have a debt collection on my credit report after a friend ran those reports for me. That being said, it says that I have a balance owed of {$410.00}. However, my final bill dated XX/XX/XXXX, from XXXX XXXX XXXX states that I owe XXXX. The first credit agency that had the collection stated {$240.00} as well. However, when the collection was sold off to another agency - IC systems - the amount had essentially doubled to what is now {$410.00}. My only theory is that they have included equipment that I had previously returned and you will find that tracking number below. I called XXXX XXXX XXXX and they too confirmed that they received that equipment back in XXXX. Below I will attach all the documents pertaining to this - the final XXXX XXXX XXXX bill, tracking number for equipment ( potentially what made the debt increase, but still does not justify why one collection agency had one amount and the other, another amount ), as well as the previous collection agency amount.
Consumer complaint received 2022-04-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 29 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. 
I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-09-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I spoke to Chase and they changed the 30 year mortgage to a 40 year mortgage. This reduces the payments. I have been making the payments on the first of every month as requested. Yet, the people from the original mortgage are not aware that I have this modification. They continue to call and send letters telling me that I have not paid the mortgage.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (CA)

Dear CFPB, I recently received a copy of my credit report. The credit report showed a credit inquiry by " XXXX/WESTLAKE FINANC '' I do not recall authorizing or " someone is using my identity ''. I understand that " XXXX/WESTLAKE FINANC '' shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

Inquiry date : XX/XX/2020 I sent a certified letter to XXXX/WESTLAKE FINANC on this date XX/XX/2020 Under the Fair Debt Collection Protection Act, on XX/XX/2020 I requested XXXX/WESTLAKE FINANC to provide me a validation of the inquiry. I mentioned in the letter, failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claim. 

XXXX/WESTLAKE FINANC - respond as " verified '' and failed to provide any validation of the inquiry. No evidence, no signature, and incorrect name. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. They failed to comply with the Federal Laws. attached ) I did not authorize anyone employed by " XXXX/WESTLAKE FINANC '' to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2020-10-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MN)

On XX/XX/XXXX I made a purchase from a merchant for {$120.00} using PayPal checkout to process my Visa card. The order was delivered on XX/XX/XXXX without issue, and everything seemed to be fine. I then started receiving calls from my bank that my checking account was overdrawn and when I was going to get it caught up, they explained that my account had been debited by PayPal for {$100.00} on XX/XX/XXXX and again XX/XX/XXXX. I found this to be extremely strange since the credit card I had used to pay for the item was debited without issue, and all my checking accounts connected to PayPal are used strictly for depositing only, while my credit cards are marked as my preferred way to pay. 

Then on XX/XX/XXXX I paid my XXXX bill of {$50.00} with my credit card and my checking account was again debited on XX/XX/XXXX for the same amount. I called PayPal on XX/XX/XXXX to complain and was met with an expletive laden string of verbal abuse after patiently waiting 35 minutes for assistance. Since I received no help, I decided to remove my bank accounts from the PayPal platform but it didn't seem to work because I was billed again today, XX/XX/XXXX, for the same transaction again. 

From just these four overdrafts ( $ XXXX/ea ) alone, PayPal is directly responsible for {$130.00} in damages to me. In addition, on XX/XX/XXXX I received an unsolicited payment from an XXXX buyer for an order which the buyer had originally cancelled but then later paid for after I had already sold to the next bidder, I refunded the payment but PayPal decided to steal {$23.00} for a " service fee '' and will not give it back even though they provided me no service. 

To sum it up, PayPal owes me {$150.00} and will not do anything to help.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-04-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Messerli & Kramer P.A. (MN)

Hello, This is XXXX I had an unpaid XXXX credit card I tried to work out with XXXX unfortunately Messeri and Krammer got my unpaid credit and they garnished my wage I never refuse to pay but, I asked for an affordable monthly payment to they refuse to negotiate with me i won't be able to survive by losing 25 % of my income every week I need help.
Consumer complaint received 2020-06-25
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account.
Consumer complaint received 2022-04-07
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. (TX)

In accordance with the Fair Credit Reporting Act 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 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. 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 2020-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (OH)

I recieve unemployment from the state of Ohio. I was receiving my funds through the reliacard account assigned too me. I received the card back in XXXX and is still the original card. Not a issue with it at all. Until XX/XX/XXXX, I called customer service and they said my card was inactive due too verifying my identity. I needed too fax in 3 documents. Id.. social security number.. 2019 tax return. Confused as too why I proceed too send the said documents. Since than I've resubmitted these documents 5 times, 3 faxes, 2 mobile uploads. Finally on XX/XX/XXXX they accepted the documents and were processing them. I was told 24 to 48 hours and my card should be good. Since than nothing has changed. I called them today and was told the only update was that they were still processing them. I don't understand how they can do this or what the issue is. As a direct result too them blocking my funds I am stuck out of town and homeless. Need answers.