davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (TX)

I visited a XXXX dealership to finance a car. XXXX allows you to view your payments prior to final purchase. I asked my dealer several times if the price they showed me on the screen would be monthly and several times I was assured my payments would be monthly. During my welcome call I agreed to pay extra on my autopay to boost my credit and to pay the loan off faster. After making my first payment, 2 weeks later I noticed I was being charged again. I called Bridgecrest to resolve the issue and they informed me that I was set up for bi weekly payments. I told them this was a mistake and they would not budge, informing me I would have to wait 6 months to adjust my pay frequency. I asked the dealer several times about my monthly payments. MULTIPLE dealers, because I had to leave the one I went to in XXXX since they didn't have the vehicle advertised as being available, forcing me to go to another XXXX for the vehicle I ended up with. I asked the agent on the line when signing my documents if these would be monthly payments. I have reported them to the XXXX previously for this, and they refused to rectify the situation. Over 6 months have passed and I have tried to readjust my pay frequency. 6 months of barely surviving payments I never expected to keep up with every 2 weeks nor agreed to. 6 months of missing only 4 payments and being charged daily interest, so much so that I've paid back triple the missed amount and only touched the interest. In order to not have vehicle repossessed, I have paid even more every 2 weeks. What started out as a promise of $ 192* a month, became $ 244* every 2 weeks, which became $ 303* every 2 weeks. I paid off missed payments to finally readjust my payments ( which was denied ) and was told that payments are based on how often I get paid, and I would've had to pay biweekly for 6 months regardless. I've called MULTIPLE times and this was never explained. Are you telling me monthly was NEVER on the table due to my biweekly pay? This whole time I thought they were just refusing to rectify a mistake they made, but no. No, they first out lied to get me to sign up for something they knew I wouldn't be able to handle. This is predatory!
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KY)

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX  XXXX According to my records, a late payment was reported for my account number : XXXX. Date late paymenyts XX/XX/2024 This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XXXX XXXX late payment from my credit report. I further request that you notify the credit bureaus ( Experian and XXXX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,
Consumer complaint received 2024-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

'Rental Scam ' XXXX XXXX this year, I was in desperate looking for housing in XXXX XXXX PA XXXX I came across a listing on XXXX XXXX XXXX and reached out the landlord at ( XXXX ) XXXX. 
XX/XX/XXXX, I paid {$90.00} as the application fee to his legal representative, XXXX XXXX, via Bank of America 's XXXX using the email address, XXXX and requested a house tour, the landlord agreed and said he can conduct a virtual tour at XXXX on XX/XX/XXXX. He then requested me to pay XXXX the deposit which is {$350.00} to secure the place. 
XX/XX/XXXX, I transferred the {$350.00} to his attorney, XXXX XXXX XXXX or XXXX ( XXXX ) XXXX ) also via BOA 's XXXX. 
XXXX, I was asked to pay another {$350.00}. However, the tour hadn't been conducted, so I refused and requested the deposit back. Both the landlord and his attorney refused to pay me back and ignored my texts/phone calls. At this time I knew I got scammed and contact BOA 's on XX/XX/XXXX and file a complaint to recover the fund which is {$440.00} total. On XX/XX/XXXX, I received a mail from BOA stating that they " unable to honor '' my claim and that I should " contact the receiver of the fund for further assistance ''. 
Like how? I got scammed. And BOA 's didn't even bother to request additional evidence for my claim. Also, it is unacceptable that no action has been taken to prevent the scammers mentioned above. Like there is NO option to block/report a scammer account directly on BOA 's site. From all I can tell, the XXXX accounts of my scammers are all searchable and still running.
Consumer complaint received 2022-05-03
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. (WA)

To Whom it may concern, RE : XXXX DCU Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) " the term consumer report does not include '' any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' by furnishing the below account on my consumer report you are in violation of the law. remove the Account from my consumer report : XXXX DCU Failure to respond satisfactorily with deletion of the all Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-12-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (FL)

I TRIED MANY TIMES TO OPEN ACCOUNTS WITH THESE FINANCIAL INSTITUTIONS THEY SOMETIMES OPEN THE ACCOUNTS AND IMMEDIATLY CLOSE THEM. I AM CURRENTLY UNABLE TO OBTAIN PERSONAL NOR BUSINESS ACCOUNTS WITH OF THEM. I JUS WANT THE FOLLOWING INSTITUTIONS TO ALLOW ME TO OPEN BANK ACCOUNTS TO OPERATE MY SMALL BUSINESSES THANK YOU WELLS FARGO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
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 suffered an XXXX data breach and my information has been used fraudulently. I have recently reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. 

Please block and remove all information resulting from identity theft pursuant to FCRA 605B and Title 15 USC 1681 C-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written consent. Title 15 USC 1681 602 ( a ) states I have a right to privacy.

UNDER 15 U.S.C. 1681c-2 ( c ) ( 2 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
Consumer complaint received 2022-05-03
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)

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX, and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : OFFICE OF THE ATTY GEN XXXX Balance {$12000.00} ; ATTORNEY GENERALXXXX XXXX Balance {$8300.00} ; XXXX  CHILD SUPPORT ENFORE XXXXX Balance {$8000.00}
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/year> TransUnion Credit Agency accepted a fraudulent claim and posted private, personal and inaccurate protected health information regarding an unauthorized action by a 3rd party financial matter that was not signed by a judicial official & obtained from the State of NJ, XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX. This credit information obtained by both TransUnion & the false judgement creditor was false, inaccurate starting from the true & correct name/identity to the correct date of birth according to the Banking Laws. It also is an attempt at removing vital constitutional and financial rights such as who is the true beneficiary, who is the trustee, false assignments of executors etc. At its foundation all information obtained by the 3rd party TransUnion Credit Agency and the public/private agencies in NJ was based on a false registry documentation of my name and date of birth. In addition to that name being copyrighted. This is piracy, slander of title, false identification and copyright infringement aginst me ang my copyright protected persons and vessels. This has injuried me and my family. These identification documents are all being used as presumtive death documents and I am not dead. These actions are damaging to my estate.
Consumer complaint received 2022-08-11
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. (TX)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights 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  The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -15 U.S.C 1681 section 602 A. States I have the right to privacy.

-15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NV)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-09-27
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (CA)

Last month XX/XX/2022 I was contacted by my mother who was on the phone, she mentioned that she was at US Bank, my mother purchased a car at the beginning of the year Im not entirely sure what this woman was doing but my mother has a history of financial abuse and my mother has also stole my identity and been abusing my Social Security number for far too long so Im kind of wondering how XXXX XXXXXXXX excuse my French but how XXXX XXXXXXXX this woman was able to get my credit loan eligibility ran without me present at branch And without any written consent or even a courtesy call by the XXXX bank teller to double check that my mother was not someone who has actively been trying to get a hold of my personal information and abusing my Social Security number for most of my life. Because those individuals at the banks even if they know my mom they dont know me and the situation because of this take a group do a lot of damage is giving civilians access to other civilians blood relative or not information this is really upsetting to me and I dont feel safe Id like to know that my bank is actually protecting me instead of exposing and exploiting me, Im XXXX XXXX XXXX very busy and I dont have the time to protect myself from my own mother but Id like to know that my bank would not allow my mother to gain any form of my information ever again without my permission written consent form or near proving that I am XXXX I am by showing my identification I doubt they even asked her for her Im appalled and really dont feel comfortable about the
Consumer complaint received 2024-12-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Delays with the closing process
Company: WELLS FARGO & COMPANY (PA)

Just a follow up concerning the previous case above. 
The seller gave only this week to close ( next Friday ) and Wells fargo employees are still requesting the same documents and waste time to miss the settlement. 
Here is ours conversations with the realtor who believed that everything was normal with Wells Fargo.
Consumer complaint received 2022-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MN)

I missed my last XXXX payments for my auto insurance accidentally and company send me a notice email to pay my due {$170.00}. I paid my due on XX/XX/2022 after my first notice but still the XXXX XXXX sent to collections through CCS Collections agency. As per XXXX XXXX Notice email, if i dont pay before XX/XX/2022, my due will be sent to collections but i paid on XX/XX/2022 itself. I informed the same to CCS Collections multiple times, but they are not removing the due from my account and when i raise dispute on this, they are responding it as accurate. I have proof of payment to XXXX XXXX and i will be attaching with this compliant.
Consumer complaint received 2022-05-03
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. (OH)

On XX/XX/2022 I submitted a dispute asking the credit bureaus to investigate every piece of information. On XX/XX/2022 i sent a letter telling the credit bureaus to investigate every piece of information again, on the accounts I have listed below. Also i have attached the letter i sent out, here is the certified tracking number # s in the attachments below. 

According to the FRCA 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. 

They stated my account had been updated and verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. Upon my checking, last activity is inaccurate, payment history is inaccurate, remarks are inaccurate, months reviewed are inaccurate, personal information is inaccurate, etc. This is GROUND FOR REMOVAL of the accounts. 

These accounts and the credit bureaus also violated my rights under 15 U.S.C 1681 section 602 A. states i have the right to privacy.

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.

15 U.S.C 1681 Section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

i have not given these accounts ( below ) my written permission to furnish these accounts on my credit report. 

Accounts XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX. 
XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX XXXX account # XXXX. 
XXXX XXXX account # XXXX
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (HI)

Citibank sent me a promotional offer advertising " 0 % XXXX XXXX on Balance Transfers until XX/XX/2023. '' However, nowhere on that page ( or the back of the page ) was there any mention of a fee of " {$5.00} or 3 % of the amount of each transaction, whichever is greater. '' The point being that it is very deceptive advertising and I have been charged {$240.00} for having written XXXX balance transfer check for {$8000.00} and deposited it to my XXXX XXXX XXXX  account. When I realized the mistake I had made I paid the entire {$8000.00} back the very next day and promptly closed the account. 
Citibank needs to include the balance transfer fees right up front with the 0 % interest charge advertisement. Their failure to do so amounts to deceptive advertising and I'm sure I am not the first or only person be be deceived by their obviously underhanded technique. 
I'd like to have the {$240.00} I have been charged rescinded.
Consumer complaint received 2024-08-26
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)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXX/XX/year>
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.