davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Bridgecrest Acceptance Corporation (SC)

I noticed that both Companies BridgeCrest and XXXX are failing to accept my Right To Rescind under code 15 U.S. Code 1635. And cfpb 1026.23 Right of Rescission. Also on the forge contract it gives an option for Arbitration agreements require that persons who signed them resolve any disputes by binding arbitration, rather than in court before a judge and/or jury. What is binding arbitration? Binding arbitration involves the submission of a dispute to a neutral party who hears the case and makes a decision. 
BridgeCrest is a scandalous company along with XXXX, the Bill of Sale and Retail installment Agreement has a digital computer signature that was added to the documents. I never signed. It was never sent be XXXX through email or upon delivery of the terms, conditions and none of the information was extended warranty. I tried multiple times to contact XXXX and was unsuccessful. BridgeCrest failed to provide a proper remedy. I have compare my signature on the documents and I have a email from XXXX stating that didnt know I had an account or email associated. I had to provide them it. Which come to my next issue if they provide me the documents through email, upon delivery of docs and car they would have known my account information. I spoke with one representative over the phone she told me she will contact XXXX and call me back and she never did. Provide me the proper information pertaining to the arbitration process immediately. Which means a date, time, a representative an $ a solution because that Information that was provided on the contract is inaccurate because I tried that process as well.
Consumer complaint received 2023-05-22
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (TX)

On XX/XX/2023 I received a notification from XXXX and XXXX that about collection placed on my credit report. I have never received information about this debit via email, phone call or in the mail. This is my first acknowledgment of this. Per the collection agency it is stating that I owe {$380.00} to XXXX XXXX.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CNG FINANCIAL CORPORATION (FL)

THE LETTER RECEIVED FROM XXXXXXXX XXXX XXXX, XXXX MAKES NO SENSE. THEY CLAIM THAT THEY HAVE NOTHING TO DO WITH THE REPORTING OF CREDIT BUT, THEY ARE IN THE BUSINESS OF BUYING CONSUMER DEBT AND REPORTING TO THE BUREAUS ONCE PAYMENT SETTLEMENTS ARE MADE??? MAKE IT MAKE SENSE TO ME??? ATTACHED SHOWS THAT THEY HAVE THE ABILITY TO REPORT TO A CREDIT BUREAU AS A NATIONAL COMPANY THAT IS ABLE TO HAVE CONSUMERS PAY TO DELETE CREDIT FILES. 

THE LOAN AGREEMENT SHOWS XXXX XXXX BANK AS THE LENDER AND AXCESS FINANCIAL SERVICES, INC AS THE SERVICER FOR THE ACCOUNT WHICH PLACES BOTH COMPANIES AS POTENTIAL LITIGANTS IF I DECIDE TO PURSUE OTHER LEGAL ACTIVITIES I.E. SECURITIES FRAUD WHICH I'M CURRENTLY GETTING A FORENSIC SECURITIZATION AUDIT REPORT FOR THIS SECURITY AGREEMENT THAT WAS FUNDED ON MY BEHALF. 
GOVERN YOURSELFS ACCORDINGLY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 I'm writing to say that the law, called the Fair Credit Reporting Act, protects my privacy. It says that companies like XXXX and XXXX, which share people 's financial information, must be fair and respect my privacy. Another law, 15 USC 6801, says that financial institutions, like the ones sharing my information, have to protect my privacy. I don't want them to share my information, and they need my permission to do so. Even if they had my permission before, I'm taking it back now. 15 USC 6802 says that a financial institution can't share my private information unless they explain how I can say no. They never told me I could say no. Moreover, another law, 15 USC 1681C, says that they can't share negative information about me without my permission. But they're doing it anyway, which is against the law. There are more laws, like 15 U.S. Code 1681s2 and 15 U.S. Code 1681e, that say companies like XXXX and XXXX must be careful and accurate when sharing information. But it seems like they're not following those rules. One more thing, according to 12 CFR 1016.7, I can choose not to let them share my information at any time. So, I'm choosing not to let them do it anymore. Thank you for understanding. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (KY)

On XX/XX/2022 Lexisnexis froze my account and was advised that I did not authorize them to access my public records. They sent me a letter that I attached to this complaint letting me know that they will no longer access my public records XXXX XXXX is the Case Number for that. Now Lexisnexis has illegally obtained my public records and sold them to Three credit bureaus. I asked Lexisnexis to delete the bankruptcy and any other adverse accounts from my credit report due to my being a victim of XXXX XXXX. Lexisnexis has not done so but instead sent me a new case number as if they were just now notified about my request for my account to be frozen. I ask that they remove all items from my credit report that is not authorized. As well as honor my original request for case number XXXX XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

XX/XX/ - Deposited {$30000.00} into my Wells Fargo savings acct. Item was drawn on XXXX XXXX. 
Receipt said {$5000.00} would clear overnight, the rest by XXXX. 
When the money didn't clear overnight, I phoned the bank and they said " Refer to maker. '' So I called the branch manager at XXXX XXXX, who was speechless that Wells Fargo would question the validity of one of their checks. 
XX/XX/ - no funds clear, was now told the money would be available on XXXX. Wells Fargo refused to call the branch mgr at XXXX XXXX 
XX/XX/ - was told that the funds might not be available on XXXX, with no indication of when the funds would be available. Person on the phone took down the information regarding the branch mgr at XXXX XXXX. 
I got a text from my brother who also uses Wells Fargo and recd a check for the same amt from XXXX XXXX, at the exact same time ; he said he had no problem retrieving the funds.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

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 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IN)

In XX/XX/2023 I was forced to buy another airline ticket from XXXX XXXX in the amount of {$1400.00}. I had previously purchased an XXXX XXXX ticket but at the airport that previously purchased ticket could not be used due to a visa issue. The issue is I was already allowed to check-in by XXXX XXXX XXXX They did not discover the visa issue until I had checked in. At the gate and way before the previously purchased flight was to take off XXXX XXXX, XXXX and I found another flight they were going to transfer me onto that would require no visa. The problem was XXXX XXXX had a system issue and could not uncheck me in. They tried for four hours before the original flight was to take off, even calling their top support but was unable to do so. What that meant was they could not transfer my ticket to a new flight. XXXX XXXX apologized several times and indicated they never had this problem before. Since I had to get to my destination I was forced to purchase another ticked and request a refund - per XXXX XXXX at the gate since it was their system problem that caused this. 

My issue now is Sam 's Mastercard is refusing to consider any information I have sent then on multiple occasions and have refused to call me to discuss despite my numerous request and emails. All they to rely on what XXXX XXXX has sent to them back in XXXX of XXXX  stating no refund. Sam 's Mastercard continues in its failure to listen and consider the information I have sent to them. 

Also note XXXX XXXX, has never responded to my same complaint.
Consumer complaint received 2024-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

On XX/XX/XXXX I called Jefferson Capital System at ( XXXX ) XXXX and was screened, then transferred to someone that was trying to screen me again. I told them that I am not giving them any more identifying information of mine because this account is not mine. She said this account was creat in XXXX and went to collections in XXXX. I told her that I am with XXXX and have been with XXXX. I asked her to immediately remove this because they are trying to fraudulently collect on an account that is not mine. SHe said that she would place fraud on it and then she hung up. She did not say if or when this would be removed from my account. This is hindering me. Please make them remove this fraud item that has never belonged to me.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (PA)

the items that i request deletions from XXXX are the following because i am a victim of identity theft are as follows : XXXX XXXX XXXX  XXXX {$4200.00} JPMCB XXXX {$4200.00} XXXX XXXX XXXX XXXX$24000.00} XXXXXXXX XXXX XXXX {$21000.00} XXXXXXXX XXXX XXXXXXXX {$1600.00} i have provided attachments below
Consumer complaint received 2024-02-12
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TD BANK US HOLDING COMPANY (CA)

I have submitted several notices stating that they had no rights to repossession because the car was fully paid off and that I was mailed legal title to the vehicle. TD Auto Finance refused to update the account as paid off and continued to report late payments and followed with a repo. I am outrage, especially because I sent complaints to the CFPB regarding TD Auto Finances ' unscrupulous business practices in XXXX and nothing was done. Below I have attached a copy of the identity theft report and a copy of the title from the DMV.
Consumer complaint received 2024-01-15
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. (IL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (NE)

XX/XX/XXXX opened basic business checking with Axos business bank  XX/XX/XXXX deposited check for {$5200.00} into Axos business account on mobile app XX/XX/XXXX notified that account was frozen because check was dated incorrectly by email XX/XX/XXXX XXXX XXXX XXXX assured me that Axos bank had deposited the funds and that the funds had left my account at XXXX XX/XX/XXXX spoke with " XXXX '' at Axos stated under review XXXX Spoke with XXXX at Axos who stated " XXXX '' would call me back ... ..never received a call XXXX asssured Axos by email that funds had left the bank of origin XXXX Case numbers for the case and call back case numbers established ... .never received a call back. was told that the case had been " escalated '' XXXX received an email from XXXX XXXX at Axos bank who asked for proof that the funds were no longer in my account at XXXX. I immediately responded with bank copies of the cancelled check from acct at XXXX ... ... XXXX XXXX never responded XXXX Called Axos customer service. Asked to speak with XXXX XXXX. Was not allowed to speak with XXXX XXXX but he assured the cust serv rep that my account would be released that day ... .they were not XXXX Called cust serv, again XXXX XXXX refused to speak with me but I was assured that the funds would be released... .they were not XX/XX/XXXX Called cust serv. agent " XXXX '', was not allowed to speak with anyone in charge he relayed that " XXXX '' told him that the funds would be released today... .they have not been
Consumer complaint received 2024-04-12
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: Experian Information Solutions Inc. (IL)

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
Consumer complaint received 2023-08-25
Product: Credit reporting 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)

In accordance to the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One paid 14 fraudulent checks that were presented to them on our business checking account starting on XXXX for 2 weeks. The amounts were {$250.00} x 6, {$680.00} x 3, {$540.00} x 3, {$130.00} x 2 for a total sum of {$5400.00} All had check numbers that were previously paid by the bank and never should have been paid a second time. The fraudster " washed '' the checks to change the Payee name and amount, and many were identical to each other. Cap One just kept paying them, some even AFTER we notified them of the fraud. We learned of this on XXXX and notified them of all checks, dates, amounts, payees and that these were old check numbers. To date they have not refunded {$3300.00} of our money and continue to claim the matter is under investigation. We requested a report of their findings but instead we were transferred to numerous departments, are kept on hold for hours, and are then told that no one has authority to resolve the refund. Every other bank we have dealt with is competent and quick to resolve fraud claims, especially this fraud which is so obvious. Cap One staff are incompetent, uninformed, and unable to properly handle a fraud claim. We have several other large personal accounts at Cap One which will be closed as a result of this mishandling of our account.
Consumer complaint received 2024-04-12
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. (GA)

I am writing to you regarding the accounts listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is illegal to report information on my credit report without my permission. Upon reviewing my credit report, I have identified several accounts that have been reported without my authorization.
Consumer complaint received 2024-02-13
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (GA)

I called to closed my credit card account and pay off the balance on the card which I did successfully. However, Company later charged me a XXXX $ finance charge after the account was closed and paid off and started collecting late fees for non-payment. Given that the account was paid off and closed it was not monitored for additional payment. I believe this is a case of abuse and need to be investigated. It impacted my credit for XXXX non payment all because of a {$2.00} late fees inputted after the account is paid off and closed. 

This is done by Comenity Bank through a credit card with Children place
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (GA)

On XX/XX/24 Kia Motors made an inaccurate report to my consumer credit report, which resulted in my score decreasing. I have not missed any payments or made any late payments as of XX/XX/24. I called several times to get clarity on my account status and have been unsuccessful with this. I have also tried to submit a dispute directly with Kia Motors but the company has refused to allow me to do so. Since XXXX, I have spoken to several agents within several different departments and was given different information regarding my account status every time. I have asked to speak with several managers and can not seem to get through to anyone. I also received an email from Kia asking me to make my payment for XXXX by XX/XX/24 to avoid negative credit reporting, which the payment was made by XX/XX/24 and posted on XX/XX/24. Kia is still insisting that they did not receive my payment for XXXX, despite my account reflecting that they did. 
Kia needs to fix my credit report immediately or this will result in further legal action against Kia Motors.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

XX/XX/XXXX : My XXXX Loan Balance with Dept of Ed/Nelnet of {$140000.00}. 
XX/XX/XXXX : I received a refund check from Dept of Ed for overpayments made on XXXX loan. 
XX/XX/XXXX Nelnet reported to all three credit bureaus that my balance was still {$140000.00}. 
XX/XX/XXXX Nelnet reported to all three credit bureaus that my balance was still {$140000.00}. 
XX/XX/XXXX : I submitted a credit report dispute with all three credit bureaus. 
XX/XX/XXXX : I received a response that there was no error in the credit reporting and my dispute was closed. 
XX/XX/XXXX. I submitted a credit report dispute for the SECOND time along with proof of XXXX balance to all three credit bureaus. 
XX/XX/XXXX Nelnet reported to all three credit bureaus that my balance was still {$140000.00}. 
XX/XX/XXXX I received a response to my dispute that there was no error in the credit reporting and that my dispute was closed. 
XX/XX/XXXX I contacted Nelnet directly to inform them that my disputes were being ignored and that my credit report is incorrect. I was told that they would correct it and report my XXXX balance to all three credit reporting agencies by XX/XX/XXXX. 
XX/XX/XXXX Nelnet reported to all three credit bureaus that my balance was still {$140000.00}. 
XX/XX/XXXX I received a letter from Nelnet stating that " All credit reporting is valid and accurate ''. 
Today, XX/XX/XXXX my balance has been XXXX for a total of four months and Nelnet is still reporting to all three credit bureaus that my balance is {$140000.00}.
Consumer complaint received 2024-08-07
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. (NJ)

Heres are the inquiries and companies that are being disputed : XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX - XXXX - see attachments ( Transunion ). 
Charge-offs listed : XXXX XXXX XX/XX/XXXX - {$24000.00}, XXXXXX/XX/XXXXXX/XX/XXXX - {$600.00}., XX/XX/XXXX - XX/XX/XXXX, XXXX {$600.00}, see attachment ( Transunion ). 
Billing Error Dispute - XXXX XXXX XXXX - open date XXXX XXXX ( XXXX ) see attachment, Dispute of unauthorized Inquiries on credit report : Ally Financial inquiry date XXXX,XX/XX/XXXX inquiry date XXXX, XXXX XXXX XXXX, inquiry date XXXX, XXXX XXXX of XXXX, inquiry date XXXX, XXXX credit / XXXX XXXX XXXX XXXX inquiry date XXXX, XXXX XXXX XXXX XXXX XXXX date XXXX, ( XXXX ) see attachment Charge-offs listed XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX ( XXXX ) see attachment, Dispute XXXX Dept : notice of Debt that I disputed : XXXX XX/XX/XXXX, XXXX {$9900.00}, XX/XX/XXXXXX/XX/XXXX, XXXX {$1200.00}, XXXX - XX/XX/XXXX, XXXX {$920.00}. ( Transunion ) see attachment Letters were sent to all XXXX credit bureaus.