davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (CA)

Amerassist Ar Solution is reporting a debt on my XXXX and XXXX XXXX report as being owed. I do not owe this company or have an agreement stating I owe this company. I would like to see proof of validation of the alleged debt. I have submitted disputes to XXXX for them to validate this debt and to provide the written and signed contracts reporting the debt that also verify and validate the amount owed and the accuracy of this reporting. I have attempted to contact this company plenty of times although have had no resolution. This company is violating FCRA consumer laws by reporting inaccurate and incomplete information across two of myreport. This is causing me emotional distress especially during this rough time. I am in the middle of filing a lawsuit if this is not deleted. I am requesting that this account be removed from all credit files immediately please. Thank you.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX / 60 Days late in XX/XX/2020. 

15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (IN)

15 u s c 166b a creditor may may not treat a payment on a credit card acct under an open end consumer credit plan as late for any reason.

15 u s c 1681 sec 602 a i have a right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT ALL PSTED LATE PAYMENT WHICH I DID NOT HAVE. WOULD LIKE REMOVED
Consumer complaint received 2022-02-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (IN)

Bridgecrest has been the company managing my auto loans from XXXX. I purchased a vehicle and traded it in a few months later. Bridgecrest sent a paid in full letter for my XXXX XXXX XXXX once it was completed. The new vehicle, a XXXX XXXX from XXXX, had an engine issue and XXXX agreed to swap the vehicle for another. I now have a XXXX XXXX. 

Bridgecrest has failed to mark the loan from XX/XX/XXXX as paid in full across all bureaus. They are killing my debt to income ratio AND credit score by reporting that I have 2 auto loans totaling about {$80000.00}. This is FALSE! I only owe for the them for the XXXX XXXX! 

As of XX/XX/XXXX, I keep getting MyXXXX alerts that I have a new account with Bridgecrest. Screenshots attached below. 

On XX/XX/XXXX : XXXX trade-in XXXX XXXX Paid off on : XX/XX/XXXX Check amount : {$31000.00}
Consumer complaint received 2022-06-28
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. (MI)

XXXX Experian re XXXX XXXX hard inquiry XX/XX/2022 ( Complaint Id XXXX ) ** please see new attached letter Thank you for your response. I am aware there are different types of credit pulls ; ie hard/soft etc and how they affect scores. 

I am asking that you remove the XXXX  XXXX hard pull because I was under the impression it was a soft pull when I clicked on website stating I could see if I would be prequalified. 

I just wanted to see if Id be approved as I was working on improving my credit. 

Had I actually wanted the credit card, I wouldve used it but as you can see from the attached letter, I didnt open or use the card. 

And.. 

XXXX  XXXX informed me they requested all XXXX  XXXX account related information related to that pull removed from the XXXX main credit bureaus. 

Could you please go ahead and remove that hard inquiry because it was pulled when I was under the impression it was a soft pull as XXXX XXXX does to prequalify potential customers as well as hard pulls. 

Thank you. 
XXXX XXXX XXXX XXXX I just found this letter or I wouldve included it when I XXXX opened a complaint. 
I did call XXXX XXXX as the letter says but they said I couldnt get a copy of the letter they sent to myself of the credit bureaus.
Consumer complaint received 2022-06-23
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. (AZ)

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-06-23
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. (AZ)

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX
Consumer complaint received 2022-02-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CA)

XXXX ( I believe operated by US Bank ) is completely shirking its responsibility.

1. I can not activate the card online. the system tells me to call the phone number.

2. I call the number and ( after a 60 minute wait ) I am told that I can not be helped until the card is registered online. I try day after day and still nothing.

3. The sticker on the card states that the card can be used in stores without being registered online. But the card was declined.

No way of accessing the funds on the card. I have the receipt from the market it was purchased
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( XXXX ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( XXXX ). Per 15 USC 1681 ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-02-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (NY)

I was notified that I had an inquiry on my XXXX Credit Report that an account was opened with TD Bank NA using my social security number on XX/XX/2022. I called TD Bank Fraud line and they told me that debit accounts were opened under my name and social, and they went ahead and closed both accounts today for me ( XX/XX/2022 ).
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX  reporting Incorrect information on your report XXXX Credit Bureau XX/XX/2022 Open Company response is in progress as of XX/XX/2022
Consumer complaint received 2022-06-23
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)

XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXXx Credit Bureau XXXX  Open Company response is in progress as of XX/XX/2022
Consumer complaint received 2022-06-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (PA)

On XX/XX/2022 I sent Jefferson Capital Systems a letter asking them for Validation of a alleged debt that they said I owe them in the amount of {$840.00}. Instead of complying with my request and sending me what I asked for, they sent me invoices that are supposed to be mine. By validation, I am asking for the follwing : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
They continue to attempt to to damage my reputation by reporting this collection account on my credit reports. I also am attaching a cease and Desist to this complaint and I need the company to cease all collection activity and cease communication about the debt which includes the reporting of this inaccurate information to my credit profile. By reporting this information to the credit bureaus they will be in direct violation of the cease and desist letter attached to the complaint and the credit bureaus will be complicit in this violation if they continue to report the account as well.
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (OH)

My mother is sick and now in a XXXX XXXX. I have been attempting to add power of attorney to my mother 's account for over eight weeks now with Citi Shop Your Way card. I faxed the paperwork in once. I called three times before they told me they were missing a sheet. I faxed it in again, one sheet at a time. Since doing that I have spoken with them no less than five times. Today one of the individuals on the XXXX number for the credit card tells me that magically two sheets are now missing. This has been escalated to their " executive response team '' and that was over three weeks ago. As this draws on my mother 's credit is being ruined and the late fees continue to pile up. 

This is beyond ridiculous.
Consumer complaint received 2022-02-15
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. (TX)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
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. (AZ)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-02-15
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: AMERICAN HONDA FINANCE CORP (IL)

THIS IS ADD-ON TO REPORT # XXXX - vehicle loan/lease - AMERICAN HONDA FINANCE CORPORATION. All reports regarding the above & XXXX XXXX XXXX, XXXX should be consolidated. 

Date of Incident : XX/XX/XXXX Details : To the reader Greetings : On XX/XX/XXXX XXXX XXXX XXXXfinance manager along with XXXX XXXX XXXX Dealer at XXXX XXXX XXXX, XXXX have committed fraud against this natural person and consumer along with AMERICAN HONDA FINANCE CORPORATION First in the form of a consumer credit transaction where fraud, material misrepresentations are present along with failure to disclose key information. The next offense occurred via improper use of consumer reports and using the mails to commit to fraud who obtained my information without my authorization and profited from without compensating me & used mails to fraud me into payment after I directly asked for clarification against the United States Constitution and my God-given unalienable rights. 

On XX/XX/XXXX, ( The next day ) I return to the dealer and explained my wish to rescind the contract, He explained that I could not just leave the property. The previous day XXXX XXXX finance manager did have a firearm on his person in which he demonstrated to me, so I was hesitant. 

On XX/XX/XXXX, after communicating with XXXX XXXX on the phone where he hung up on me, following the illegal repossession of my registered property VIN # XXXX which generated a Police Report at XXXX Police Department # XXXX and Complaint, for nuisance and disturbance. 

On XX/XX/XXXX, I did mail Letter of XXXX and XXXX XXXX for the Transaction that occurred from fraud on XX/XX/XXXX via certified mail return receipt requested. I have not heard back from the dealer.
Consumer complaint received 2022-02-15
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. (NY)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-04-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (FL)

- In XX/XX/XXXX, our home mortgage creditor discovered a " {$0.00} '' debt by Credit Collection Services on my FICO credit file. It cleaned off 100 points. 

- On further investigation, we found it to be tied to a XXXX XXXX XXXX dollar bill which we had paid off in XX/XX/XXXX TO XXXX  when we got the bill in mail in mail. 

- Despite that, my XXXX  balance account seemed to have reached some Credit Collection Services, who brainlessly reported an XXXX dollar account to FICO as OPEN. 

- I had zero communication from this company, no mail, nothing. For an entire year, they kept reporting to FICO that i owed them XXXX dollars and severely damaged my credit resulting in INCREASED RATES of our home loan. 

- When i tried to contact the company, they realized this error and said " Oh OK we will send the closure now ''. 
I asked for them to share with me the closure report, so i can try and fix the credit damage on our end too. 
" No we have a policy to not mail this to the debtor '' I never even owed them a dime ... 

Now i'm sitting with damaged credit, with this company who have illegally put a collection on my account ( XXXX dollar )!! And they are not willing to help fix it in time. If I lose the home loan, we have sufficient cause to sue.
Consumer complaint received 2020-07-12
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: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2022-06-23
Product: Credit card or 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: Comerica (VA)

I called and requested to disputes with Direct Express. They gave me a fax number in which to fax the disputes forms back to once I received them in order to get a provisional credit. They said I had 10 days from the date that I filed the complaint to get the forms back to them. I didn't even receive the forms until 10 days later on one of my disputes. The fax number they gave me to fax the forms to just ringing ringing rang. Or other times I tried it just was busy the entire time this went on for an entire day. I am XXXX and had to go to the library in order to fax the dispute forms. I even called Direct Express to confirm that I had the correct fax number and I did and I explained to the customer service rep that the fax didn't work and she basically told me that you know that it was my problem not hers and if that's the only fax number they have. I also explained to the customer service rep that they took so long sending me the forms that I didn't get it until the 10-day time period was up on getting a provisional credit. Again she basically told me that that was my problem and not hers. Here 's where I'm having trouble with this since they took their time sending me the form that gives them 45 to 90 days in which to investigate the dispute. I feel like they do that on purpose. Also I have to wait exhibited lengthy amount of time before I can even get a human being on the phone to talk about this stuff with Direct Express. I just want my money back is all. And she repeatedly be treated like garbage by Direct Express is unacceptable. I'm not some welfare witch who just lives off the system I work 32 years to earn the benefits I have I'm XXXX I have survived XXXX twice I've survived a XXXX XXXX I've survived a XXXX XXXX I worked 32 years to get my benefits. Direct Express has designed their system so they just drag out processes in order to get your money back to you when there's a dispute or something else like an unauthorized charge or something like that's done with your bank account. They've designed a show it's almost impossible to get a human being on the phone. The average person or should I say the average XXXX person that has to deal with this will just give up. Something needs to be done with the way Direct Express treats their customers.