davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (CO)

I purchased a XXXX XXXX XXXX XXXX XXXX ( VIN # XXXX ) through XXXX on XX/XX/2022, financed through Bridgecrest. I have had numerous issues with having the ability to make payments, not due to myself having the funds available, but due to issues on Bridgecrest 's end that they refuse to acknowledge or resolve. I believe the issue lies with my account number, per the various error messages I have received online and/or through my bank ; however, since Bridgecrest has refused thus far to acknowledge there is an issue with my account number, I have not been able to complete payments, I have had many additional charges for having payments returned from my bank and/or card, a Bridgecrest employee told me the wrong biller to submit my payment to when I attempted to pay inperson at a XXXX via XXXX, and my vehicle is now in repossession status. My various banks/credit cards have not permitted payment to this account due to the account number Bridgecrest " not existing. '' I am unable to submit payment online through the debit card third party portal due to the account number " not existing. '' When I finally resorted to going in-person to XXXX, and the employee not being able to submit the payment to Bridgecrest due to my account number " not existing, '' I had Bridgecrest on speaker phone while the employee stated they didn't know why my account number wasn't working, and then proceeded to have me submit my payment through XXXX XXXX XXXX , where it accepted my payment. However, after going a week and not seeing this payment applied to my account, I called Bridgecrest who informed me the previous employee gave me false information, and they couldn't accept a payment to that biller. Now, I do not have access to that {$600.00} I submitted, in addition to not having any way possible to submit payments of any kind due to my account number not registering. Bridgecrest insists my account number is correct, and refuses to look into it in any way to get it resolved.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (VA)

Some XXXX in Truis Financial in XXXX, decided that he/she would combine my LT " XXXX XXXX XXXX Living Trust '' and my wife 's XXXX XXXX XXXX XXXX XXXX Living Trust 'XXXX into one account, thereby stealiing my wife 's assets and putting them into mine ( my LT ), but then the XXXX named the combined account " XXXX XXXX XXXX Living Trust '' as a title, even though the assets are in my LT. I spent hours on line CHAT with Truist to have this undone and corrected ... to no avail. I then visited both the Assistant Branch Manager, XXXX, and the Branch Manager, XXXX in the XXXX XXXX on XXXX XXXXXXXX XXXX XXXX XXXX XXXX. They both refused to change anything. Their calls to their back office went unanswered. They refused to change the title on my Living Trust, with me as Trustee, without my wife 's signature... totally against the law. Thus they stole XXXX 's assets from here LT ( which now sits empty ) and they are violating the laws governing Trustee 's ability to change their own account. I wasted hours, and with multiple visits and hours on the computer chat line
Consumer complaint received 2023-03-25
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. (VA)

I Sent my Dispute off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. .According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 were 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 ACCOUNTS LISTED BELOW 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 2024-07-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The following info is the result of past and ongoing ID THEFT issues. 
Please remove and or block Immediately upon receipt of this letter. 
Per the FCRA if the disputed info can not be confirmed or proof provided to me that I supposedly opened these accounts and made these inquires then they have to be removed! The info is FRAUD and I demand that the following be removed! TRANSUNION DOES NOT TAKE FRAUD SERIOUSLY AND ACTS AS THOUGH ALL CONSUMERS ARE LIAERS. THEY CONTIUNE TO IGNORE MY REQUEST AND EVERYTIME I TRY TO MAKE CONTACT VIA PHONE ITS SOMEONE ON A CALL CENTER OVERSEAS WHO SPEAKS BROKEN XXXX WHO DOEST NOT KNOW WHAT THERE DOING OR TALKING ABOUT!! 
XXXX. XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX. XXXX XXXX : XX/XX/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. XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX  Dc XXXX : XXXX. XXXX, XXXX XXXX. TXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX. XXXX XXXX : XXXX XXXX, XXXX
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I looked at my report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The account XXXX XXXX  XXXX Reported to XXXX with an account number of XXXX and also reporting to XXXX as a charge off with payment history and through Transunion with no two year payment history reported at all. These accounts are incomplet and inaccurate.

I mailed out a letter to each of the previously mentioned companies on XX/XX/year>. Its been over 35 days with no response and according to 15USC 1681 i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a sonsumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through the reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

They also violated these laws And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer or any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-31
Product: Credit reporting 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)

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am writing to you for the third time. I have tried to contact the creditors and the credit bureaus and I have not gotten a response from you. I need you to please help me eliminate the following late payment XXXXXXXX XXXX account number XXXX date : XX/XX/year>, XX/XX/year>. What the bureaus are doing is a total mistake. I really need your help. It is affecting me in obtaining a house for my children
Consumer complaint received 2022-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: A&D Mortgage LLC (CA)

My structure on my property at XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN completely burnt down on XX/XX/22. I have reported it to my mortgage company A & D mortgage. Even though there is no more structure on it, they are illegally placing a lender-provided insurance policy for a non existent structure at the cost of XXXX XXXXXXXX on it and want me to pay it. This is fraud. 

Completely bizarre. 

Another arm of their company disbursing held insurance proceeds for me the build the structure back which is even further proof that the structure no longer being there. However, their insurance division insists on insuring a structure that is no longer there.
Consumer complaint received 2023-02-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (AL)

The PayPal Credit Account I have had for some time has changed over to Synchrony Bank, and since this occurrence, they do not allow any grace period in making payments to my account. I bill is due on the XXXX of the XXXX, and I paid it on the XXXX. But it was not posted until the XXXX. I was charged an excessive amount for a late fee of {$41.00} on the XXXX. I don't think it is fair to any consumer to have to pay late fees in such amounts that it is almost half your monthly payment amount. This business practice keeps the consumer in debt to the merchant, affects their credit ratings with late fees, and does not consider giving any additional time 3-5 days at least for the debtor to pay their bill monthly or otherwise. Debt Collectors are making nothing more than more profits in keeping the Consumer in debt to them by adding excessive late fees which add on to the interest balances on any account.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 15USC1681.15 U.S.C1681 section 602 A States I have the right to privacy.15USC1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.15USC1681c. ( 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 XXXX years.15 USC1681s-2 ( A ) ( 1 ) A person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (CA)

I have never filed for any bankruptcy, this is the complete lie. I dont know from where you are getting this information, I asked you to change your attorney, XXXX XXXX XXXX 

I also sent a letter to your CEO, I havent received any response from him
Consumer complaint received 2024-07-30
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. (FL)

since XXXX i have been trying to get the bureaus to remove these fraud accounts. Please.I explained that my ex husband used my name to open up accounts under my name without my knowledege, but they refuse to remove the fraud accounts I need help
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I looked at my credit report and was shocked to find, my personal transactions were broadcasted on it as if that was legal. that is a violation, My transactions were listed on my report, thus hurting my ability to obtain my right to credit. I did not agree to this. 
I only have XXXX address, all other addresses are not deliverable and should not be on my report. I have several inquiries that are unrecognizable and are not permitted. by way of 15 usc 1681 ss 604 ( 1 ) a-d No PERMISSIBLE PURPOSE. illegal and another violation per the FCRA. 
As a consumer, I have the right to privacy per the FCRA, which governs the CREDIT REPORTING AGENCY. The CRA has a duty to make sure that my credit report is fair and XXXX  % accurate at all times. per 15 usc 1681 ss 602 ( a ) ( 1 ) ( 4 ) " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness and impartiality, and respect for the consumers right to privacy '' My credit report contains many inaccuracies and outdated information, I attempted to resolve this with the CRA 's I was ignored. furthermore, I have never given the CRA 's written permission to furnish my consumer credit transactions with XXXX parties or anyone. 15 usc 1681 ss603 ( 2 ) ( iii ) they never gave me opportunity to state if that was ok to do so, per the FCRA. The CRA 's are expected to follow the law, they do not get to break the law at will. The banking system counts on the consumers in order to thrive. unfair reports will only impair the difficiency of the consumer, thus commerce can not thrive and the banking system will cease to exist. unless I give you written consent or you extend me the courtesy of knowing what will go on my report in advance per the FCRA. I want all of my accounts transactions from. utilization to inquiries that are all unknown and have no permissible purpose to be erased from my credit at once. I want my name to be Spelled correctly with no variations or alias. My address should only be XXXX address not XXXX or XXXX that's violating my consumer rights under the fcra
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. s not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I reviewed my credit report and noticed that there were accounts that were not reporting accurately and that were incomplete. According to the F.C.R.A whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I disputed the information with the credit reporting agencies, but nothing changed or was corrected. I sent them a letter to reinvestigate these accounts listed below because : [ XXXX / XXXXXXXX XXXX ] the closed date, last activity and payment history are not correct. This account is not accurate. 

[ XXXX La ] the last activity and payment history are incorrect. This account is not accurate. 

They have not responded to me. 
[ XXXX ] the closed date, last activity and payment history are incorrect. This account is not accurate. 

[ Us XXXX. Of XXXX ] the closed date, payment history, and last activity are incorrect. This account is not accurate. 

[ XXXX - XXXX ] the delinquency information on this account is incorrect. This account is not accurate.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX was never late ! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2024-07-30
Product: Credit reporting 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)

I have no knowledge of these accounts please remove immediately. 


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 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!