davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (PA)

I will be the first to admit I've had problems making timely payments and have received assistance before. However, COVID brought about an entirely new set of issues when I was first furloughed, and then diagnosed with XXXX. After a long period off and many days not even being able to work, I am finally back to work and able to maintain payments again. Bridgecrest set my car for repo last month. I paid {$320.00} at that time and my wife was told over the phone that after the {$320.00} was paid that we could work put a payment arrangement for the past due. That never came to fruitition and once again this month my car was placed for repo. I had applied for a private loan to help me cover the cost, so I set up payments online. I ended up not getting that loan so the payments bounced. Then this morning with no warning the repo man was in my neighborhood. My wife had the car at the store so he left. My wife called bridgecrest to try to get them to make good on their offer to work payments out with us due to covid, if we made last months payment. She was told no such courtesy will be extended. Because had problems in the past we are apparently not allowed to be affected by covid? Despite being 1st furloughed and then contracting the XXXX. We were told despite claims on the website and emails that no help is available. My wife asked to set an arrangement for the {$1000.00} past due to be paid on XX/XX/16 when I get my paycheck. She was declined. She was told {$320.00} today or the car gets picked up. Zero empathy, zero willingness to work with us on this issue caused by XXXX. Zero notice given that the car would be picked up today. Most companies are working with XXXX affected clients. But bridgecrests standpoint is that if you've had past problems with payments, you aren't entitled to have XXXX problems.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have requested XXXX, Experian, and XXXX  update my credit reports. So far they have not. I need each bureau to update my account per my attachments. This information can be verified with XXXX XXXX XXXX XXXX who has also verified that no bureau has contracted them about my disputes.
Consumer complaint received 2020-10-08
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: EQUIFAX, INC. (FL)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.
Consumer complaint received 2024-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

Please see complaint XXXX. This was closed without a satisfactory resolution. It was closed simply upon USAA 's response not a resolution. XX/XX/XXXX2024 I opened a credit card with USAA with a promotional offer of no fees if balance transfer or cash advance into a USAA bank account. I did that and incurred a {$9.00} fee. on XX/XX/XXXX I contacted USAA customer service about the fee. I was told to repay the amount which I did and they removed the fee. I was then told that I had to use paper cash advance checks deposit via the mobile app to avoid the fee. The representative then mailed me the checks as I did not have them. On XX/XX/XXXX, I incurred a {$150.00} fee for using paper checks. I then contacted USAA via their chat service and requested a call. I was called back and told that the fee could not be waived. I requested a XXXX to call me and none did. I called back on XX/XX/XXXX, spoke to XXXX different representatives that told me they would not reverse the fee despite acknowledging they told me that was how to avoid the fee. They then submitted ticket XXXX for investigation and temporarily reversed the fee only to recharge the fee on XX/XX/XXXX/24.
Consumer complaint received 2020-10-08
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. (IL)

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 2020-10-08
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. (NJ)

XXXX, XXXX  and Equifax has been reporting inquiries on my credit reports that I did not authorize. 
On XX/XX/2020 I applied for financing at XXXX XXXX XXXX in XXXX, NJ. I urged their sales team to only apply for financing at one bank, I found out later it was more than three banks. Here are the ones not authorized : XXXX  - XXXX XXXX XXXX - XXXX. XXXX XXXX 's XXXX - XXXX XXXX XXXX  - XXXX The other inquiries on my reports I do not recognize and are otherwise fraudulent : XXXX XXXX - XXXX and XX/XX/2020 XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XX/XX/2020 AND XX/XX/2020 XX/XX/2020
Consumer complaint received 2020-10-08
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)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A collection item recently appeared on my credit report The collection account is reporting in error.

1 ) The collection company is XXXX XXXX XXXX the original creditor is XXXX XXXX XXXX  the first problem is I have never been contacted via phone or mail from the collections company, I have never sign any contract or received service from XXXX XXXX XXXX company 2 ) The original creditor XXXX appears on credit report showing same account number and listed as discharged in bankruptcy The problem is the collection company CAN NOT collect without a Contract or agreement CAN NOT collect on a discharged bankruptcy item Also the credit bureau cant not reference both accounts same account number with two different companies attempting to collect discharged debt Im requesting both  validation of debt showing my signature, address and consent to service Proof that the collection company is licensed in my state Proof that services were provided to me with my consent
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX, XXXX, XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX Date Updated :XX/XX/XXXX
Consumer complaint received 2020-10-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (TX)

On XX/XX/2020 they email me stating my debit card was suspended. I call them an asked them why and all they state was PNC decided not to do business with me. I asked them when will I received the remain balance of the a direct deposited that was received in my account on XX/XX/2020. I have called them several times and no one can give me an answer on when I will get my money. I also went to a PNC branch where I spoke with a young man and he called the number that a XXXX XXXX gave me which is XXXX with a ref # XXXX and who ever this person spoke with told him. I would get my money sent over night by XXXX XXXX over night. So I called again on XX/XX/XXXX and nobody can give me any answers regarding my money. So I supposed to wait until they decided when they want to give me my money back and loss my place of living and be living on the street and/or not have lights in my home because they decided to close my account the same day my payroll check got deposited. I need help I really need my money to pay my bills. The bank is call PNC bank.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

All three credit reporting agencies, Experian, XXXX  and XXXX  are reporting that my XXXX XXXX XXXX account has been closed? I did not close this account. This caused a drop in my credit scores. XXXX XXXX  reported that the account was paid off ( meaning balance on account was paid off ) ; however, the credit bureau 's are treating this information as a closure of the account. Please have them verify that this account is still open and in good standing.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX reported my account 30 days late for XX/XX/2022. I was NOT 30 days late. I had a payment due of {$60.00} ( This is what my XXXX said was due ) on XX/XX/2022. I paid {$27.00} on XX/XX/XXXX & paid {$61.00} on XX/XX/XXXX = {$88.00}. That amount covers the {$60.00} XXXX XXXX informed me I owed. XXXX XXXX will claim that since another previous payment of {$2700.00} was returned the minimum payment for XX/XX/XXXX should have been {$92.00}. But I have no way to know this. XXXX XXXX should have updated the statement because on XX/XX/XXXX the online information also confirmed that {$60.00} was the minimum due. 

Also XXXX XXXX doubled my minimum payment for XX/XX/XXXX to {$160.00} FOR THESE REASONS XXXX XXXX HAS REPORTED INACCURATE INFORMATION TO ALL 3 CREDIT BUREAUS.
Consumer complaint received 2020-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

On XX/XX/2020, I was shopping in XXXX XXXX. While I was shopping and looking at different products, I lost my wallet and car keys. I was in the store for over 3 hours looking at different products and designs. When I was about to leave, I noticed my keys and wallet were missing and I went to the front desk to see if anyone turned it in. Thankfully someone did turn in everything and I thought everything was good. A few days later, I noticed a charge on my debit card for {$840.00} that I didn't make. I can only assume someone made the purchase with my debit card while it was missing during that time frame. I disputed the charge with my bank ( TD Bank ) a few days after I noticed it, which was less than 10 days after the charge. 

Once they completed their so-called investigation, I was informed that an error did not occur and the dispute was invalid. The representative on the phone, told me that I can not speak to the dispute department and was only able to read me notes from the dispute department. The notes stated there was no other disputed charges after that the {$840.00} dispute and that I used the same card after that day for purchases that I made. I informed the rep on the phone that yes, I did use the card after because my wallet was returned to me with my card inside and I didn't know at the time, that someone has used my card while it was lost. The representative understood and then submitted a second dispute. The second dispute came back and stated the exact same findings as the first dispute. I told the representative on the phone, they need to do a better investigation other than just saying, that I used the card after the disputed charge and therefore the dispute is invalid. I informed the representative they need to contact XXXX XXXX for further investigation, and she told me the bank does not do that and I would need to do a police report for that and fax it in. The representative then filed a third dispute and would attach the police report to that dispute I filed the police report on XX/XX/2020 and fax the report to the bank as instructed to do. On XX/XX/2020, I noticed the bank had took away the temporary credit for the dispute once again. I called the bank the same day and spoke to a Supervisor, who told me there is nothing they can do about it and I need to maybe contact XXXX XXXX to see if they have video footage. I have been dealing with this for over four months now.
Consumer complaint received 2020-10-08
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. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

XXXX of 2020 I switched from metro PCs cellular phone service, to XXXX XXXX. 

I was unhappy with the coverage/service and was not getting the promised speeds/coverage. 

On the XXXX of XXXX I called to cancel my service and ported each of my numbers over to XXXX XXXX. The representative I spoke to on that day informed me that my account will be closed and I will not receive another bill. Everything as far as XXXX is concerned, was done. Or so I thought. 

My credit card got automatically billed by XXXX on the XXXX of XXXX. I called that day and they told me Id have to wait 30 days! 

I waited 30 days and nothing changed. No one gave me my money back and I had to get a new card to they would stop charging me. Mind you there are no active lines or numbers at this point 4 weeks later. So Im not sure why or how they are billing me. 

Now on the XXXX of XXXX I received a debt collection notice from a different company other then XXXX. They just sent me to collections for a month that I never had service! 

Im so frustrated, especially with the times, I dont have a lot of money and every dollar is important to me. No one from XXXX has been able to help me, not even close. And now my credit is in jeopardy. The one thing keeping me alive. 

Please help me, XXXX XXXX
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (TN)

1.I have never had an account with this company XXXX XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX/ASHLEYFURN-DSG the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2020-10-08
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America keeps adding 3- {$4.00} per transactions. I use BOA teller - they charge me ATM fee. For using BOA. 
I purchase on XX/XX/2020 large pan of rice and beans from XXXX XXXX receipt I signed was $ XXXX my XXXX says BOA charged me {$88.00}. XX/XX/XXXX XX/XX/2020I purchase chicken I digned the receipt for $ XXXXBOA alerted me with a transaction of {$23.00}. This had been going on since I had this account. Ive filled a complaint with the mass attorney general office. Called BOA to dispute these charges stayed on hold for2 hours then to a lost transfer. I would like a call back to help me get my stolen money back from BOA
Consumer complaint received 2021-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is the wrong creditor for this item XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2020-10-08
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)

I would like to dispute some items on my credit report because I am a victim of identity theft and did not make the charges. Please blocked these items to correct my credit report. Enclosed are copies of the report of identity theft supporting my position. Please investigate this matter and block the disputed accounts as soon as possible.
Consumer complaint received 2020-10-08
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

My USBank Reliacard account has been locked since XX/XX/XXXX. It appears to have been locked as a security measure and I was asked to submit proof of ID via fax. I have done so several times and customer service over the phone is no help whatsoever. All of my money is stuck in the account and I have no access to it.
Consumer complaint received 2020-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

I refinanced my mortgage and the full balance was paid off on XXXX/XXXX/20. So I would not be late on a payment for XXXX, ( XXXX is considered late ) I made a payment on XXXX/XXXX/20 for XXXX. The loan is completely paid off and I have a new mortgage with another company. I have no existing mortgage balance with Pennymac. Pennymac ( or it's parent company ) reported my fully-paid off loan as delinquent to XXXX  and my credit score subsequently dropped 90 points. I'm filing a complaint because the information submitted by Pennymac is untrue and detrimental to my credit report.