davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-02
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (NV)

Bridgecrest is currently reporting late payments, a charge-off, and a current overdue balance owed of {$13000.00}. The issue with this account began with the seller XXXX of the vehicle failing to provide me title and registration which drug out for more than a year. I was pulled over three times, and threatened with arrest for driving an unregistered vehicle. XXXX is now involved in multiple class action federal lawsuits for this negligence. I attempted to return the vehicle in question to Bridgecrest via voluntary repossession, giving them multiple times, the address of the vehicle and explaining due to the fact it was illegal to drive and our contract for payment had been voided by XXXX I would no longer be making payments. I was XXXX XXXX military living 45 minutes from XXXX, and not having a vehicle legal to drive was not an option. I was forced to return the vehicle to XXXXBridgecrest. Then, I lost my XXXX XXXX XXXX  and pay due to XXXXXXXX XXXX XXXX. In the fall of 2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. As a result, I qualify for title XXXX protection of my income, and for all debts prior to that time to be considered 'non-collectable. ' Upon dispute, they all have complied except Bridgecrest. Including federally-backed XXXX  loans. {$0.00} balance, and zero adverse credit file information regarding late payments. I am in a dangerous living situation that requires swift remedy. Due to my limited XXXX income and poor credit rating from issues surrounding this exceptional hardship, I am trapped in a dangerous neighborhood during a painfully competitive housing market with a wife and small child. We have already been the victims of both property crime and violent crime. We must get to safe housing as soon as possible. I don't have months to haggle over erroneous debts and negative credit file information. The threat of harm against my family, and inability to qualify for better housing due to erroneous credit file info is keeping my XXXX XXXX up and worsening my XXXX XXXX. I have spoken to multiple attorneys regarding this case, am taking action to join one of the federal lawsuits against Bridgecrest 's XXXX XXXX, and due to the emergency nature of my situation my next step will be to pursue the matter in federal court seeking damages for duress if the negative credit file information is not removed expediently. This is your ... last ... chance to correct your position involving the false credit file information Bridgecrest and exercise " right to remedy '' prior to legal proceedings. Please comply. Only written communication will be accepted.
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (PA)

( DISPUTE CODE XXXX ) My personal information was stolen in XXXX, since that day I've been seeing a lot of unauthorized inquiries and accounts. I've attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate inquiries and addresses i have listed, the following includes : Experian : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX 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 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 2022-07-02
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. (KS)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX XXXXXXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # XXXX ( XXXX ) Account # 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
Consumer complaint received 2022-07-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc. (CA)

In May, this company had added 2 debts to my credit report, that had already fallen off due to being over 7 years old on my credit report. They never mailed me anything saying they were trying to collect the debt again, they just put it on my credit reports. The only time they had mailed me anything was after XXXX removed the debt, but before notifying me. I was mailed a notice showing they had acquired my debt, with instructions how to contact in order to pay, 3 days before experian notified me they removed the debt.
Consumer complaint received 2024-10-22
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (TN)

about XX/XX/year>, I filed disputes on unauthorized charges on American Express Serve Debit account that receives two Government Deposits ; in total there are more than seven disputes with the necessary documents needed to solve the transactions that were made through access to other outside accounts and possibly internally. The activity as shown of transactions that were not authorized and missing or diverted deposits which remains unsolved. As part of a serious case of identity theft, breach of information, and unauthorized access to devices ; the compromise of loss funds remains difficult to settle with the financial institution.
Consumer complaint received 2022-07-02
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)

To whom it may concern : 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  Account # 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 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.

Account of concern : XXXX XXXX  ( Collection Account ) Reported on Transunion credit report bearing account number XXXX
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My phone was stolen in XXXX. Along with my bank cards. I had XXXX in my bank! Then when someone got a hold of my phone and card or whatever they had on me, that's when money started disappearing. I couldn't see what was going on bc I didn't have my phone to verify who I was. This has literally ruined my life right now. The only way I could access my funds was to.go in a center and they would only let me take XXXX out at a time. My bank statement is a mess and I have made police reports. I have been in the bank numerous amount of times to.fix this. Since I was absent XXXX and half months they accessed my account and paid there electricity in which overdrawn my checking and savings accounts! I then had to pull XXXX out of my savings that wasn't attached to overdraft. The money I took out of the bank I put in XXXX and the XXXX XXXX. Then I see other cards were opened in my account. I saw private banking. This needs to be cleared up immediately
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-07-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

In XXXX of XXXX, I was unemployed because of XXXX. I made an agreement with HSBC to pay {$50.00} per month. I have been paying {$100.00} per month - more than the agreed upon amount and more than the minimum ever since. 

I received a letter stating THE HARDSHIP ON YOUR ACCOUNT THAT BEGAN " XX/XX/XXXX '' HAS EXPIRED. AS A RESULT, YOUR ACCOUNT WILL BE REMOVED FROM THE PROGRAM GOING FORWARD. Firstly : the Hardship began in XXXX not last week. My recent automatic payment was make on XX/XX/XXXX for {$100.00} ( more than the minimum due ). The current amount owed is XXXX. A negative report was sent to my credit report on XX/XX/XXXX : Settlement HSBC BANK It looks like your HSBC BANK account was either settled on XX/XX/XXXX for less than the balance or closed because you haven't used it in a while. 

AND- I received an email : HSBC requests your signature on Authorization for Direct Payment by ACH Debit ( HSBC XXXX ) Due by XX/XX/XXXX Review and sign
Consumer complaint received 2022-07-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent disputes to the credit reporting agency and never got a response, However by law you're required to response within 30 days. Please investigate my disputes
Consumer complaint received 2022-10-20
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. (VA)

I requested this account and credit card to be closed on XX/XX/2022 after paying the final balance owed. I continued receiving billing statements from XXXX Bank for this credit card. Once again, I called and explained that this account should have been closed in XXXX of 2022 and the agent assured me that the account was closed. I did a dispute on my credit report to have this account removed because it is still reporting as open and that I am in default with payments. It has since been resolved with XXXX Bank and was removed from my XXXX report. However, the account remains as a collection on my Experian credit report.
Consumer complaint received 2022-06-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (UT)

I have received multiple letters in the mail from Resurgent Capital starting back in XXXX of XXXX and most recently in XXXX of XXXX. Resurgent is trying to collect on a credit card debt from XXXX XXXX in the amount of {$2000.00}. 

The address associated with this credit card is an address in which I have never lived. While the name on the account is the same as mine, it is a very common name to my state. The debt has never shown on my credit report, and upon calling the credit card company to inquire about the debt, the representative did not have evidence of the account number under my name and social security number.
Consumer complaint received 2022-07-02
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. (GA)

My name is XXXX XXXX, an agent for principal XXXX XXXX, a federally protected consumer, holder in due course, and attorney in fact. I am making this complaint against Transunion XXXX XXXX for engaging in inaccurate credit reporting. I am also aware that consumer reporting agencies MUST report fair and accurate credit reporting. Inaccurate consumer reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence which is essential to the continued functioning of the banking system. Transunion XXXX XXXX are required to undergo reasonable procedures to ensure confidentiality, accuracy, relevancy, and proper utilization of such information which were not done. I am aware that my reflected accounts should report 100 % accuracy across the board and that both Transunion XXXX XXXX have a grave responsibility for doing so. Because of this, I am demanding that XXXX XXXX Transunion either remove the account or report this account the same as XXXX. I am aware of the wrongful doings that have transpired and because of this XXXX XXXX Transunion have clearly violated the law.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Experian removed the XXXX XXXX  with a balance of {$10000.00} OVER a year ago due to the account being fraudulent. The identity theft report should be on file. I attached ANOTHER FTC Identity Theft Report showing the account is indeed fraudulent and to make sure this fraudulent account gets removed AGAIN and STAYS off of my report. This account was NOT authorized by me and is not mine.
Consumer complaint received 2022-07-02
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: LOBEL FINANCIAL CORPORATION (CA)

This Account was opened in my name fraudulently has to do with identity theft. I submitted an affidavit and also a police report. The company response was they never received a police report which i do have one in my possession as proof. This account should be removed from my credit report promptly as I a a victim of identity theft.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am interested in processing disputes on my credit report to delete a remove all unauthorized items listed on my file. I am a victim of identity theft an have no knowledge of the accounts listed. This has caused major denials an needs to be reviewed an deleted asap. None of the accounts are following the FCRA guidelines. Please review an remove the listed accounts asap.
Consumer complaint received 2022-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (PA)

XXXX. Provide validation of the debt, that is, the actual accounting. 
XXXX. Verification of their claim against you, that is, a signed Invoice. 
XXXX. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' This letter is to inform you that the above referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information. 



I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? 



I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 



If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 



I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-06-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately. 
"
Consumer complaint received 2022-06-22
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and 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 USC 1681 ( 2 ) ( A ) ( i ). ( 2 ) EXCLUSIONS- ( A ) subject to section 1681s3 of this title, Any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2022-06-22
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Mercedes Benz Financial Services (TX)

I '' ve call MERCEDES-BENZ FINANCIAL SERVICES & on the website they offer covid ASSISTANCE & i WAS IN THE XXXX XXXX XXXX XXXX &  THE CAME ON GOT THE CAR. LEAVEING ME BY MYSELF NEVER OFFER ME ANY HELP WITH PAYMENTS. IT'S HURT MY CREDIT & CANT GET A NEW CAR. I have right under the U.C.C. - ARTICLE 2A & Mercedes - Benz charged me a down payment. They had people break into my car & they had a 3party call & threating me
Consumer complaint received 2022-06-22
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

I received a certified letter stating that my reverse mortgage was in foreclosure through PHH Mortgage. They stated that my signature did not match my original loan documents and they took foreclosure measures without any contact with me. I have been sick, but in order to save my house I had to go and get my signature notarized and send it back to them certified mail. I spoke with them 7 days later and they stated they did not receive it. I was able to pull up the tracking number for them and it had been received on XX/XX/2022. They stated they would open an " investigation ''. In the meantime, the threat of foreclosure is very real. I have made at least 10 attempts to contact them and have gotten no suitable answers as to why they are proceeding with this. All of my payments and requirements are up to date.