davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation (MI)

Bridgecrest is a third party debt collector, and listed as a servicer to XXXX, was sent correspondence and an affidavit to inform them of their violations of the FDCPA, SEC, my Federally protected privacy rights of 1974, ( 5 USC 552a ) Proof of contract between parties and not STATEMENTS, committed language fraud, and in the FORM 8-K 7TH SUPPLEMENTAL INDENTURE, Rule 425 under the Securities Act ( 17 CFR 230.425 ) 16 CFR 433.2 they I informed them i revoked any and all rights i may have given them, written, non written, verbal and nonverbal, and still they're going against federal law, the SEC indenture they signed to and uphold. I revoked their POA and provided my POA in place, and under penalty of perjury, they didn't rebut what was given to them. i have not received my 1099c from the Trustee and due to the debt is already prepaid due to 18 USC 8, and I've already given them a promissory note that was securitized, which is under the UCC which they committed securities fraud. under 15 USC 6802 they may not disclose my information without my written consent and they didn't receive it, because i never gave it so that would be Identity Theft 12 CFR 1022.3. Bridgecrest has caused injury and are civilly liable for their willful noncompliance 15 USC 1691n and 15 USC 1681o. as a federally protected consumer I'm enforcing my rights to have my compensations remitted due to the injuries caused. by reporting late on an open-ended credit, that's a violation as well.
Consumer complaint received 2024-09-03
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. (MA)

Consumer Name : XXXX XXXX, Consumer XXXX XXXX XXXX : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX  information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card opened at XXXX Bank XXXX XX/XX/XXXX under the account number XXXX, an auto loan opened at XXXX on XX/XX/XXXX under the account number XXXX, a phone account opened at XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC XXXX XXXX XXXX XXXX  XXXX  ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, phone numbers and hard inquiries are the result of identity theft and fraud. 


Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Phone numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX Employment Information : Business Owner, Driver, XXXX, XXXX EMPLOYEE, XXXX XXXX, Self Employed Wrong address : XXXX XXXX XXXX XXXX, XXXX  XXXX Correct address : XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2023-11-09
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. (TX)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2024-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I recently reviewed a copy of my credit and notice I had a fraudulent account on my report from XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I have never received any validation forms from this company as per 15 USC 1692 ( a ) ( 4 ). Please remove this account from my report because they are hurting my ability to obtain credit.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

Hello, I need to dispute the following inquiries below on my EQUIFAX report. I have tried my best to contact these companies first but nobody could give me proof that it was me who authorized these. I tried contacting them by phone and mail. I believe these are fraudulent and not me who authorized them. I have also submitted FTC reports as this is likely identity fraud. Please assist me with getting these removed. I will also try to contact an attorney. Thank you. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

In XX/XX/XXXX, I bought a vehicle from XXXX XXXX XXXX in XXXX XXXXXXXX XXXX and it was supposedly financed by Capital One. When I signed the documents, my signature was the only one on there and since XXXX I have sent several certified letters and emails to the dealership and Capital One requesting the copies of the documents I signed and for the accounting of the loan and have recieved no response back from either one. I have already paid over {$5800.00} for my vehicle and I refuse to pay a dime more until I get the documents I requested and they are required to give me by law. In XX/XX/XXXX, Capital One reported to the credit bureaus that I was late in my payments, dropping my credit score 75-80 points. I sent a certified letter to Capital One including proof that I have sent several certified letters and emails requesting the documents and accounting of loan and they sent me a letter back stating that they couldn't update my credit report due to lack of information being sent in. What more do they want from me then the letters stating that I never recieved any copies of the loan contract for them to correct my credit report and fully discharge this debt. I am not paying them anymore money when they can't provide me with proof that I owe them. I have also recieved letters and an email from the dealership stating that my loan wasn't approved and that they were sorry that they couldn't get my business. The last one being sent from dealership on XX/XX/XXXX : Hi XXXX, I just wanted to say thanks again for giving me the opportunity for your business here at XXXX XXXX XXXX XXXX XXXX. I understand that we were working with you on your interest in a vehicle but we were not able to earn your business at this time. However, moving forward, I wanted to assure you that if you were to need anything in the future, I am still here to help. If any questions or concerns should arise, please feel free to contact me as I would be more than happy to assist you down the road. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Direct : ( XXXX ) XXXXXXXX XXXX XXXX Clearly the dealership and Capital One have no idea what's going on and they need to update my credit report and discharge this debt as soon as possible. They have no right to make any bad remarks on my credit report causing me to have my score severely drop over fraudulent information.
Consumer complaint received 2024-08-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (WI)

In XXXX I successfully transferred funds from my Webster Bank/XXXX XXXX XXXX  to my XXXX  Savings Acct . In XXXX  I initiated a transfer & it was Canceled due to security issues. 

I called customer service multiple times..it took over a week to get an answer that simply was : " Webster Bank is NO longer allowing any transactions with XXXX! 

I demanded to speak to a manager. All he could say IS : " This was an executive decision made by Webster Bank '' Due to this problem..I now have to make TWO separate transfers to get my XXXX XXXX transferred to XXXX. 

Because of this issue..I couldn't get funds transferred timely to cover paying off a BILL that has cost me {$120.00} in interest charges! 

Extremely dissatisfied, PLUS this EXECUTIVE decision was NOT communicated ahead of time to Clients!
Consumer complaint received 2024-09-08
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. (FL)

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 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The company has Violated my rights 15 U.S.C 1681 section 602 A. State I have the Right Privacy.

15 U.S.C 1681 Section 2 : it also States a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section State ; no consumer reporting agency may make any consumer report containing any of the following items of information Any adverse item of information, other than records of conviction of crimes which antedate the reporting 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 2024-08-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (FL)

Consumer Complaint : Navient Loan Forbearance Issue Summary : I am writing to file a complaint against Navient for improperly placing my student loans into forbearance, despite my explicit instructions to opt out. This action has caused undue stress and financial complications. 

Details : 1. Improper Forbearance Placement : I mistakenly did not check the box on my application to opt out of forbearance. However, I subsequently emailed Navient to clearly state that I did not want forbearance applied to my account. Despite confirming that they received and read my email, Navient went ahead and processed the forbearance.

2. Failure to Verify Intent : Despite my email clarification that I did not want forbearance, and Navients confirmation that they had read this email, they processed the forbearance based solely on the unchecked box on the application. This oversight indicates a failure on Navients part to verify my clear intent, which I communicated directly to them.

3. Negative Impacts : The improper forbearance placement has caused undue stress and financial complications. This action has created significant issues for me, which could have been avoided with a proper review of my communication.
Consumer complaint received 2023-09-01
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. (NJ)

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 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to bring to your attention a pressing matter regarding fraudulent personal information associated with my identity on my credit report. It has come to my knowledge that certain accounts and transactions have been falsely attributed to me, causing significant distress and concern.
Consumer complaint received 2024-08-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (IA)

On XX/XX/year> I requested Citibank over the phone to close my checking account. Instead of closing the account, she blocked my account. I followed up with Citibank twice, first over chat and later ( sometime early XXXX ) over the phone. In the phone called they mentioned that it can take up to XXXX days to close the account. But to this day the account hasn't been closed. It remains blocked.
Consumer complaint received 2024-08-05
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: OPORTUN FINANCIAL CORPORATION (NY)

XX/XX/year> I found inaccurate information on my credit report from Oportun a charge off. I requested the company to validate my information. I requested a signed agreement showing my signature that I requested to do business with them. The company has failed to send me any information. This account is still showing on my credit report. XXXX has done nothing about my dispute.
Consumer complaint received 2024-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NJ)

my XXXX package was stolen and I filed a police report contacted XXXX and disputed it with my bank and XXXX said I would be refunded through my bank, but my bank denied the claim even when I sent in emails and the police chime also failed to provide any documents, used in dispute and has handled this completely wrong
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (GA)

Lexi Nexis are reporting several addresses that do not belong to me or any transactions associated with me. I was a victim of the 2017 XXXX XXXX XXXX where my name, address, and social security was compromised. The following addresses are due to identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX. These addresses are ruining my credit worthiness, reputation and character. Furthermore, the collection from XXXX XXXX XXXX with a account XXXX XXXX balance of {$540.00} does not belong to me or any transactions associated with me. This is a fraudulent collection account. 
I am will continue with the prosecution if these fraudulent addresses are removed form my Lexis Nexis consumer file.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I noticed that XXXX XXXX had reported that captial one checked my credit. I payed it no mind but on Friday XX/XX/XXXX, I was using the walmart app and noticed an unauthorized purchase of {$270.00} with a capital one mastercard that was under my name that I didnt recognize.The Walmart order was sent to an unknown name and address. I did not create a capital one account so I was sure that the card was made falsely. I then contacted Capital One and they verified that someone did use my social security and my personal information to create an account but it was under a limit because it seemed suspicious. The account has now been reported and is currently under investigation. Capital one will be in contact with me as this issue is investigated.
Consumer complaint received 2024-09-08
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. (MI)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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 2024-07-23
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (TX)

Comenity Capital Bank acquired the XXXX XXXX Account from XXXX, which Comenity later named Dell Pay. Upon receiving notice from Comenity, I was unable to use the online portal to even access the account, up to and including to make payments on the account. I contacted the company about this issue after receiving several unsolicited debt collection calls, where I was directed by an associate of Comenity to use " XXXX '' to make the payments on the account. At some point, Comenity claims I made a " cease and desist '', which I did not. I simply instructed Comenity to cease calling my phone number, which is listed on the National Do Not Call Registry. Such calls that were placed were strictly for debt collection, requiring a type of consent that Comenity did not have, when Comenity did not have any consent at all. I have since had my account restricted, not once but twice, wherein Comenity states that I since I do not wish to be contacted by them the account is restricted to my use. Comenity also has reduced the credit limit on the account, without providing an adverse action notice that meets the content requirement applicable for such, namely by not stating four reasons they reduced the limit. Comenity has also further refused to provide a copy of the agreement despite requesting such agreement be sent to me several times through their online access portal. They are represented by Attorney XXXX XXXX, in an arbitration claim. XXXX XXXX states that they will not exchange any documents until some arbitrary hearing in such arbitration. I still have not received a copy of the applicable card agreement as requested. The attached " notice of adverse action '' which was provided by Comenity to me via USPS first class mail, amounts to the credit limit being reduced simply because I didn't mean their scoring requirements. While it lists " factors that impacted my score '', there is absolutely nothing that says anything remotely close to " the reasons for we decreased your credit are : ''.
Consumer complaint received 2024-08-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XX/XX/XXXX received a letter from my employer notice of wage garnishment for XXXX XXXX XXXX XXXX XXXX Department. When looking at order it is a lawsuit from Portfolio Recovery a lawsuit that was taken place in a different county in XXXX when looking up the case its a case that was filed in XXXX. I now live in XXXX XXXX XXXX I havent received the proper notice or serve about this case.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Opportunity Financial, LLC (VA)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.