davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (SC)

I purchased a car from XXXX on XX/XX/XXXX. Monthly payments in the amount of {$320.00} have been made on time every month since XX/XX/XXXX to Bridgecrest who is the lender. My account has been ahead by 2 months since XXXX. My current payment is not due until XX/XX/XXXX. No payment has ever been late. 
Bridgecrest has inaccurately reported my account as 30 days late to the credit bureaus and posted late fees to my account. Please keep in mind that XXXX late payments have been made. Cases had to be opened with the CFPB as Bridgecrest was unwilling to correct the errors. 
When an on time monthly payment is made, the principle should decline every month. This would cause the interest to decline slightly monthly as well. My account is showing that the interest is not declining monthly, and in some instances increasing dramatically. 
I have attached examples of how the monthly payments are applied to principal and interest. The interest for the payment on XX/XX/XXXX ( {$170.00} ) is almost the same as the first payment ( {$160.00} ). No amortization table works that way. As the principal declines, so should said monthly interest. This account will be XXXX XXXX XXXX in XXXX of XXXX. 
I have contacted Bridgecrest numerous times to resolve. I recently spoke with XXXX who is a XXXX in the XXXX XXXX Department. She was to investigate and call me back. To date, no return call has been made. 
Bridgecrest will also claim that the amount of interest collected depends on when the payment is received, the payment is sent the same time every month and received within a few days. Bridgecrest will reverse the principal payment and apply as a normal payment 30 days later. This might be why the interest increases monthly. The amount of interest is all over the place.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

To whom it may concern, This is about the inaccuracy that has been furnished by your organization on my consumer report. I found this inaccuracy on XX/XX/2021. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following : *My RIGHT as a consumer to extend credit From my research, according to 15 USC 1681 ( a ) ( 3 ), consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I am putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. 

As a result, my livelihood has been adversely affected and has caused me a great deal of stress in already difficult times! There is no such law that states that anything must be reported to a consumer agency. Therefore, your organization is liable! 

Also, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Your organization exercised its responsibilities neither with fairness and impartiality nor protected my RIGHT to privacy. 

I also request that you give me a piece of evidence to show that the information which is being reported has been properly investigated. Provide me with details of the system that your organization used to determine whether the transaction took place or not. 

According to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I demand you do the following ; *Remove account XXXX XXXX XXXX XXXX LLC # XXXX from my consumer report and ALL remarks. 

*Remove account XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my consumer report and ALL remarks. 

Upon further research 15 USC 1681n states that each violation for willful noncompliance is {$1000.00} per violation. 

I hope these accounts are removed swiftly after months and months of my reputation and character being ruined! 

Thank you, Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX  XXXX ), XXXX  Account # XXXX ( XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX ), XXXX Account # XXXX ( XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX ), XXXX  Account # 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 2024-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (NC)

Subject : Request for Removal of Unauthorized Credit Card Account I hope this message finds you well. I am writing to bring to your attention an issue regarding my credit report. I recently discovered that there is an account listed under my name with your company that I have never opened or authorized. 

I kindly request that you investigate this matter and remove the unauthorized account from my credit report at your earliest convenience. I have never had any dealings with your company, and I believe this may be a case of mistaken identity or fraudulent activity. 

Please let me know if you require any further information from my side to assist with this process. I appreciate your prompt attention to this matter. 

Thank you for your assistance.
Consumer complaint received 2022-06-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NE)

Nissan XXXX has a portal to communicate messages about lease end intentions. I communicated that I planned to lease again in the Winter of this year ( XXXX ). Then I took the XXXX XXXX  XXXX into the local dealer where I have conducted business for the last XXXX years and made a sales order for a new lease XX/XX/XXXX which includes the local dealer purchasing my currently leased vehicle. In XXXX, I went into the portal to make payment and it said contact the XXXX # your lease is expired. I did this and XXXX told me to obtain information from the dealer to evidence the sales order. I did that but there was a missed email/fax by the local dealer so then I subsequently resent the information to Nissan on XXXX. After resending the required information they denied my extension and sent me a letter to call or return the vehicle to Nissan. 

The behavior by the lease termination team seems to be extraordinary given everyone that is in my situation is in the same situation waiting for allocation orders to be fulfilled. I'm at lost as to why I am an exception to not receiving an extension or agreement to retain my car until my new lease car is ready. I am a very disappointed loyal customer who has leased with Nissan XXXX for more than XXXX years and including being a joint signor on other leases for relatives. 

This complaint is being made because the fact is that my lease intentions were communicated in the message portal and I no longer have access to that portal or all of my payment history with Nissan. I made the last payment to Nissan on XX/XX/XXXX and was under the impression I was making another payment in XXXX based on what I reviewed at the time of the payment and so that is when in mid to late XXXX I realized I didn't have access to all of my information in the portal and that I needed to contact them which is when I was in contact with XXXX via the XXXX # on the portal screen. 

I am also making this complaint as it seems irresponsible for the Lease End Termination team to handle my situation the way it is being handled given the current economic conditions that are as a result of the COVID 19 pandemic. Deman is high and supply is low which is delaying the sale transaction in progress since XX/XX/XXXX, and prior to XX/XX/XXXX as intentions were communicated in the message portal. 

I request that Nissan XXXX permit me to retain my car as per all other customers in this situation until my new car arrives at the local dealer XXXX of XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-07-15
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. (AZ)

In accordance with the Fair Credit Reporting Act, 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 an account without written instructions. 

The following information is incorrect : XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX The following information is incorrect : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX The following information is incorrect : XXXX. XXXX XXXX ( Employer ) TransUnion has removed has this false information ( addresses ) XXXX XXXX XXXX XXXX has removed this false information ( addresses and employer )
Consumer complaint received 2022-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and i have a recurring bi-weekly payment of {$23.00}. Yesterday, on XX/XX/22 at XXXX, i get a text message from " ABC XXXX '' that there is an issue with my membership and to call XXXX to make a payment. 

I call my bank and they tell me that there was fraudulent activity on my card in the amount of {$1.00} and they froze my account. They tell me i need to go to a local branch and get a new card printed out. I do this and by the afternoon i have my new debit card in hand and contact this ABC phone number. 

They tell me they are ABC XXXX which is a debt collection company that deals with the chain gyms around the country. I explain to them what happened and the guy transfers me to the automated system to make my payment and update my debit card. Their automated system tells me that i owe them {$42.00} to put my account back on because of a " service fee ''. Of course, i have no recourse because I'm speaking to a machine at this point which Im sure is intentional so i pay them the {$42.00} which is my {$23.00} dollar payment plus a {$19.00} " service fee ''. 

I contact my gym owner XXXX who has always been amazing and she personally refunds me the {$19.00} service fee out of her pocket despite her not getting any of the {$19.00} from this XXXX XXXX. 

She tells me that the minute they try to process my payment, and, its declined for any reason, they tack on {$19.00} service fee and send me a text asking to arrange payment. I made the payment hours after they notified me there was a problem. I don't think this is right. They don't define how much money they will charge me for this " service fee '' in the contract. They could just charge whatever they wanted for something that cost them absolutely nothing. How do they justify charging me {$19.00}? Its arbitrary and might as well be {$1900.00} I know {$19.00} doesn't sound like a lot but i think this debt collection company is probably doing this to millions of people a year.
Consumer complaint received 2022-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (RI)

I requested to join XXXX XXXX online on their website on XX/XX/XXXX, and they sent me XXXX cards for my devices. I did not receive the XXXX cards and requested via online chat for XXXX XXXX to cancel my order and close the account on XX/XX/XXXX. I received email confirmation that my request to cancel was initiated. I decided to try in-store to create my account with XXXX XXXX instead . I went to the store on XX/XX/XXXX and was told that there was still an active account preventing me from opening a new account and was told to try over the phone with XXXX XXXX customer service. On the phone with customer service, I was told until the first account is completely purged from their system, I could not open a new account. My case was forwarded to a supervisor, I was told. I called back a few days later as instructed and was able to open my new account with XXXX XXXX ( which I currently maintain and pay the bill monthly on time ). I was told that whatever account was active before is no longer open and was resolved. In XX/XX/XXXX I received a letter of collection from Afni, XXXX XXXX ' collection agency. I called Afni on XX/XX/XXXX and explained the situation. I was told that the issue would be forwarded for review and instructed to call back. Afni 's hours are during my work hours, and it is not easy for me to call each day. Afni never made any attempt to contact me of their findings or any further action of debt collection. On XX/XX/XXXX I received a notification of change to my credit report for a negative report made on behalf of XXXX XXXX. I contacted Afni on XX/XX/XXXX where I was told that their review determined that the debt was valid?! And that because I did not follow up with them after the initial call, they forwarded my debt to XXXX XXXX! This business practice is very unprofessional. I do not owe anything as I cancelled the XXXX XXXX account within 6 days of requesting it, without any services rendered. I have recently contacted XXXX XXXX and filed a dispute with them on their website, however, they have not allowed for me to upload my proof of documentation. This is a farce, and XXXX XXXX is ruining my credit for an error on their end.
Consumer complaint received 2022-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello there are inquires on my credit report that I do not recognize, transunion refuses to remove these inquires. Per the FCRA section 1681b this is a violation of my privacy. 

Here are the inquires in question XXXX  on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-15
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. (NY)

It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

EXPERIAN : US SM BUS ADMIN ODA Inquiry Date XX/XX/2020 XXXX : ( Original Creditor : XXXX XXXX ) XXXX Balance : {$820.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$39000.00}
Consumer complaint received 2022-07-15
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: EQUIFAX, INC. (NY)

It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX : US SM BUS ADMIN ODA Inquiry Date XX/XX/2020 EQUIFAX : ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$820.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$39000.00}
Consumer complaint received 2022-06-06
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. (TX)

You have reported this account incorrectly on my report. 

XXXX XXXX XXXX XXXX This account is reporting positive payment history while you are reporting REPETITIVE CO MARKS which is an inaccurate and a clear violation of my right under the FCRA XXXX
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (TN)

I filed a {$200.00} dispute for an ATM transaction on checking account where I did not receive the funds from the machine. I filed a dispute with CHIME on XX/XX/XXXX. Dispute number XXXX. I was given provisional credit of {$200.00} on XX/XX/XXXX. Then on XX/XX/XXXX at XXXX they took back the provisional credit. Then on XX/XX/XXXX they took back another {$200.00} for the same dispute that I thought I had lost. I called the company XXXX separate times between XX/XX/XXXX and today XX/XX/XXXX to the dispute department. Each time they told me I won the dispute and it was a mistake. They escalated it to their investigations department. Nothing has been done and they won't let me talk to that department of the company. So if I won the dispute technically they owe me {$400.00} which every person in the dispute department told me I was owed. XXXX in the dispute department told me I won the dispute and all the other phone calls I made told me the same thing. There is no corporate office number to call. Just a po box number. They are affiliated with bankcorp bank and I called them too. They said since it was a chime debit card I had to deal with them. I need help getting my {$400.00} back. I have all the bank statements showing the mistake
Consumer complaint received 2022-08-25
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. (NC)

I am a natural person, I am a living human being, I have rights under 15USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand that accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX
Consumer complaint received 2022-06-06
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: Experian Information Solutions Inc. (IL)

In accordance with the fair credit reporting act XXXX  account numbers 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 a ride to privacy.

15 U.S.C 1681 section 604 a section 2 : it also states of the song reporting agency can not furnace a account with doubt my win instructions.
Consumer complaint received 2022-06-06
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. (IL)

In accordance with the fair credit reporting act XXXX  account numbers 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 a ride to privacy.

15 U.S.C 1681 section 604 a section 2 : it also states of the song reporting agency can not furnace a account with doubt my win instructions.
Consumer complaint received 2022-06-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (AR)

On XX/XX/XXXX, I received a notification from my credit monitoring service, XXXX XXXX XXXX, that a new collection/charge off account had been reported to XXXX. The company reporting the derogatory account is called Ability Recovery Service located in XXXX PA XXXX. The original creditor listed on this account is XXXX XXXX XXXX, a company that I have never heard of, in a town that I have never lived in. The amount of the debt reported is {$500.00} and the age is listed as 0years/1 month. The violation is that this company, Ability Recovery Service, never contacted me, I never got any mail from this company, the only notification that i had came from XXXX when the erroneous account was reported. I am sending a certified letter to the company, disputing the account that they reported. I have yet to hear back.