davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (MD)

I purchased a car from XXXX XXXX in XXXX, Maryland on XX/XX/XXXX. The dealership unfortunately did not track the first payoff for the XXXX financed by Bridgecrest sent on XX/XX/XXXX and sent the payoff to a Bridgecrest address but not the payoff address. Bridgecrest has no procedure on how to locate and process payoffs sent to the incorrect location. Additionally, when the dealership overnighted the second payoff to Bridgecrest on XX/XX/XXXX, Bridgecrest informed they're not obligated to process the payment for 1-2 business days. Bridgecrest received the payoff XXXX XXXX on XX/XX/XXXX. Bridgecrest stated the payoff needed to be posted by the XXXX to avoid the mark on my credit. Although Bridgecrest received the payoff on the XXXX, nothing was done with the payment until XX/XX/XXXX and posted XX/XX/XXXX. Bridgecrest stated they do not backdate payments to the date received. On XX/XX/XXXX I received a credit alert stating Bridgecrest marked my credit report 30 days late for the loan. Overall, Bridgecrest will not work with the dealership to rectify the mark on my credit as this is not an error on my part. Bridgecrest 's inability to correct an error that is not a direct result of the consumer 's negligence impacts me financially as my score has dropped XXXX points since their credit report update. My score drop can potentially have financial impacts to me as a result of higher priced loans, reduction in my available credit, and denial of financing in a time that it is critical to have life lines during the pandemic. Bridgecrest 's refusal to assist correct this error is unreasonable. 

Attached is the copy of the first payoff check and the tracking number for the second payoff check. Bridgecrest has a copy of the second check sent XXXX.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Equifax ; XXXX  and XXXX  should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see pages attached from my credit report. ) These multiple inquiries are well within the ( 14 45 ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mountain Run Solutions, LLC (AZ)

Mountain Run Solutions purchased a discharged debt from XXXX. The debt was discharged XX/XX/XXXX in bankruptcy court. Mountain Run has been made aware of debt several times via email XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX via certified mail from my attorney. Mountain Run Solutions reported date opened as XX/XX/XXXX ( post discharge ) which is not accurate and deceptive, this company has refused to comply with discharge orders and continues to report to credit bureaus.
Consumer complaint received 2021-03-09
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: Marlette Funding, LLC (TX)

I filed dispute a dispute in regards to excessive incorrect information that is being reported on my credit report. It has been well over 30 days and I have not received any investigation results nor any of the evidence/proof documents that I requested from the reporting agency.
Consumer complaint received 2021-03-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I use PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-03-09
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. (LA)

My vehicle was stolen and after the investigation my insurance company along with gap coverage were to pay the vehicle off. XXXX reached out to me letting me know that I had nothing to worry about while everything was in litigation. XXXX also told me that no more payments were needed to be made on my part. Now, on my credit report XXXX has reported 2 missed payments and kept accruing a daily interest into the car loan. This is hindering the loan from being paid off as well as affecting me from being approved for a mortgage loan. I have reached out to XXXX to correct this problem and they refuse to fix their era.
Consumer complaint received 2023-03-12
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 to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (MD)

TD bank has frozen my business bank account today XXXX for no justifiable reason. They say I deposited a fraudulent check for {$5000.00} at an ATM on XXXX, which I know is not true, the check is from my brother. He since has contacted his bank and there were no issues on his end. I do not believe it is legal to freeze ones account without a court order or atleast a justifiable reason. There is no evidence of fraud, I have been conducting business as usual. 

I have contacted TD fraud department and they insist on keeping my account frozen today despite the fact they are costing me money and damages by not being able to carry on my companies duties.
Consumer complaint received 2021-03-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (FL)

I am a respected professional in the community and have spent my life building a positive reputation. Nevertheless, I have been informed that you have been maliciously spreading inaccurate and unfounded information that is damaging to my personal and professional character. 

1 ) At the time GM repossessed the XX/XX/XXXX XXXX XXXX, I was not made aware that I was in default. Furthermore, I was not notified that because of the default the XX/XX/XXXX XXXX XXXX was at risk of repossession. These conditions were stipulated in our contract. 

2 ) GM Financial did not notify me prior to selling the XXXX  XXXX XXXX. This is another condition stipulated in the contract and it is also required by State Law : Florida Statute 537.012 ( 3 ) 3 ) GM Financial sold the XXXX XXXX XXXX far below the Market Value for that vehicle. According to my estimates the market value should have been {$7700.00}. That would have paid for any default prior to GM charging off the debt.

4 ) GM Financial breached our contract in that they charged me {$100.00} for late charges. Our contract states : Five percent of the part that is late. My payment was {$270.00}. So a late charge would be {$14.00}. GM forced me to pay {$2400.00} over our contractual agreement to not repossess the vehicle. They caused the financial hardship to my family that forced the repossession.

GM breached our contract that stranded me and my family. GM sold the XXXX  XXXX XXXX without notice and far below market value. Now GM Financial is reporting inaccurate information to the credit bureaus to injure me. Under the laws in the State of Florida, it is unlawful for an individual to make deliberate statements that intend to harm a persons reputation without factual evidence or based on hearsay. The defamatory statements include, but are not limited to, the following : the damaging, injurious, slanderous comments, content, and depictions GM has been reporting / publishing to the credit bureaus. 

GM Financial sold the XXXX  XXXX XXXX far below the Market Value for that vehicle. According to my estimates the market value should have been {$7700.00}. That would have paid for any default prior to GM charging off the debt. GM Financial fabricated a debt that they have already charged off.

I presume it is their business model. It is similar to a Federal Court case they lost. Apparently GM Financial does this exact same routine on a regular base : They repossess a vehicle then force their customers to pay inflated fees and inflated prices of the vehicle to remove it from their credit report ; at the same time receiving the tax benefit of charging it off.
Consumer complaint received 2021-03-09
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. (TX)

These accounts are not mine. I am victim of identity theft!!!! I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. 

I believe that someone else may have a relative that may have forged my name. It could also be possible you are mixing up these accounts with someone that has a similar name as me.
Consumer complaint received 2021-03-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (GA)

I had a Macys account that was closed. Due to my husband job loss. This account was covered up on the insurance benefit that Macys offered. About a claim in 2017. The insurance company approved the claim. However they have not processed a payment because they say they do not get the proper work from Macys. Ill forward the information to Macys Macys sent me a letter. The letter clearly support my claim. Maces and the insurance company is refusing to except responsibility. In the meantime my credit has been severely damage. Please review and advise.
Consumer complaint received 2021-03-10
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: The Law Offices of Quinn M. Kofford, P.C. (UT)

Hello, to whom it my concern my name is XXXX XXXX ( consumer ). I'm A federally protected consumer, I would like to thank you for the opportunity to address my concerns regarding Law Offices of XXXX XXXX XXXX, XXXX. representing XXXX XXXX XXXX. ( Debt collector ) This 3rd party law office has infringed upon my rights to privacy under the Fair debt Reporting Act 15 U.S.C. 1692 ( a ) On XX/XX/2021 I ( consumer ) have received a Statement in the mail referring to an allegation of an alleged debt from this debt collector. I would like to ask how my location information was gotten, and who provided you consent to communicate with I ( consumer ) During this initial communication debt collector was not confirming location information instead they have accused me ( consumer ) of alleged debt which is under federal violation of 15 usc 1692b ( 1 ) ( 2 ) This Debt collector has communicated with me at an unusual place without prior consent from me, which I would like this Law office to provide me my writing consent of such action. If request can not be provided this will be an illegal action of 15 usc 1692C ( a ) This so could law office has harassed me to coerce payment on a debt they have advertised to me which has ruin my reputation. Is a violation of 15 usc 1692d ( 4 ) This Debt collector has use deceptive and unfair mean to collect debt from me not permitted by law is a violation of 15 usc 1692f ( 1 ) I have disputed the validated of this debt and ceased communication on XX/XX/2021 to XXXX XXXX XXXX XXXX, and still have not received the 5 validation request I asked for, in fact this law office has claimed the Original creditor was epic Emerg Phys integrated which I ( consumer ) was the original creditor. This is a violation of 15 usc 1692g ( 5 ). Debt collector is still commutating with me after i have cease communication with them. this is a violation under 15 usc 1692c ( c ) I have received statement via mail from Debt collector disclosing symbols, which in fact disclose they are in the debt collection business, which is a violation under 15 usc 1692f ( 8 ) debt collector has furnished unlawful information portraying to a collection on my consumer reporting file without my consent. Im am very stunned with this law office breaking the law to coerce payment for their benefit to Undermine the consumer. I will be taking legal proceeding if action is not done to my favor.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY (MA)

TD Bank does not seem to be responding to any of my messages concerning issues I am having with XXXX. I have transferred XXXX XXXX from TD to XXXX  and they have been locking me out of my own account and ignore all my messages. TD does not seem to responding to my reports that the entire this is a fraud. I can not log into XXXX right now and TD Bank does not have any ways to reverse the transfer. There is something wrong with the entire situation right now.
Consumer complaint received 2021-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A & O Recovery Solutions, LLC (IL)

On XX/XX/XXXX XXXX A & O Recoveries has sent a letter in the mail and this letter does not include any verification that this account belongs to me. I have no knowledge of this account and have contacted the company. Upon, further research the debtor could not provide original contract or signatures. There hasn't been no form of communication or contract for this accused debt at all. According to the FCRA, A & O Recoveries has violated my rights as a consumer and I am requesting legal action to seize all collection activities and future communication.
Consumer complaint received 2021-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

The bank routinely blocks me from accessing my funds. Twice now I have spent over an hour on the phone with the bank trying to get them to let me have access to my account balance, and both calls ended in my inability to access my funds. This has nothing to do with recently deposited checks. It has to do with the bank 's fraud detection system flagging my withdrawals as fraud, and then the banks inability to remove that fraud flag resulting in the account being inaccessible.
Consumer complaint received 2022-11-24
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. (OH)

In accordance with the Fair Credit Reporting act. The Lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  hasviolated my rights. 



I did not consent on and inquires on my report
Consumer complaint received 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My family has been financially effected by covid 19. Bank of America offered a forebearance, in the form of a pause, that we opted into, with the understanding the outstanding payments would to the end of the loan. 
The bank has called every 3 months to renew the forebearance. On XX/XX/XXXX, the rep called to check in and to continue the forebearance. I asked again about the skipped payments and the rep, once again, told me it would be going to the end of the loan. 
XX/XX/XXXX, I spoke to a rep and was told the forebearance would expire at the end of XXXX. Then I was asked how I want to repay the deferred payments? I told the rep what I had been told, several times, and they said that was wrong. 
Bank of America reps give the customer information without documenting the conversation. I thought what the rep said was correct. I'd ask for someone to go back and listen to the recorded phone conversations I had with the reps. If I was given wrong information, I should not be penalized. 
I am trying to figure out how I am going to make my regular payments moving forward, and now they are asking me to pay the {$19000.00} + over a 6 month period. 
This is not right. My family is struggling and I made a decision based on what a representative from Bank of America told me.
Consumer complaint received 2021-03-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-03-09
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. (MD)

I have disputed 2 account that I do not feel are accurate, nor has the company ever provided proof to me that this debt is owed! The first time I disputed this through the credit bureaus was XX/XX/XXXX. I disputed again on XX/XX/XXXX because I didn't receive anything in the mail from the bureaus. It is XX/XX/XXXX and I still have nothing from anyone! No investigation has been started, no verification was given by the creditors or the bureaus and no response was sent to me, electronically OR through US mail!. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

As of XX/XX/2013 I got behind 2 payments on my mortgage loan they kept threatening me with foreclosure sending me certified notices so my only option was to get a loan modification I did not realized because of the 2 months I was behind they were going to add 15 years to my mortgage loan is that legal? I kept sending the mortgage company certified letters requesting how many months I was past due before I got my loan modification but they ignored all my request, I finally found a letter from mortgage company stating I was only behind 2 months, a default on a loan is not until the loan is behind 4 months so I am not sure why they kept threatening me with foreclosure.
Consumer complaint received 2021-03-09
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: STERLING JEWELERS, INC. (PA)

I received a phone call at my employer on XXXX/XXXX/21. I was not at work at that time and they left a number which is XXXX. They said they have a case number against me which they stated it was XX/XX/XXXXXXXX. They said it was for XXXX which is my name. But no last name. 
There are 2 XXXX  that work at my job and they gave it to the other XXXX and she called and they asked for her last 4 numbers of her social that is when they informed her they weee looking for XXXX XXXX which is me. When I got to work on XXXX/XXXX/21 they handed me the note and I called. They then told me to call another number when I would get out of work or they would send papers to where I work because they said they tried to deliver me papers at home but they couldnt. I have emergency custody of my granddaughter and someone is always here with her because of covid and the circumstances of why I have her she is at home most all of the time. When my husband and I leave for work her caretaker comes to our home and stays here. When I asked they said I should have received it in the mail and I said I never received anything in the mail and they blamed it on the mail system. 
It was a debt I owed 12 years ago to Kay jewelers for a charge of {$78.00} and they told me the total charge now was {$720.00}. 
Because I was so upset my daughter called the number and they said it was XXXXXX/XX/XXXX in California and that I was to speak to a XXXX XXXX. Also when my daughter said she was going to report then they called her a XXXX and hung up They had my social security number and my birthday. And I am worried about them calling my employer and them being concerned about me
Consumer complaint received 2021-03-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (DC)

Aargon Agency , Inc. is located at : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX Tel : XXXX Fax : XXXX Collection Accounts : XXXX Clients : XXXX This collection agency is trying to collect money that was already paid by my medical insurance and myself on XX/XX/2019. Please remove them this is fraudulent debt.
Consumer complaint received 2021-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (OH)

I have tried to dispute Convergent Outsourcing ( XXXX ) from my credit report due to Ive never had an account with them ever. Someone else had to of used my identity and Im just now looking through my credit report and trying to dispute all that Im able to thats not mine.