davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (IL)

Bridgecrest refuses to remove the fraudulent information they have listed on my credit report due to their predatory lending practices. They need to remove this fraudulent account off my credit report. Inaccurate reporting is causing my family a great hardship. Using the credit bureau system to discriminate against consumers through predatory lending practices that have been outlawed by many Attorney Generals in the United States. Please look into this companys reporting practices!!!!! The transmission went out as soon as I purchased the car and the company would not help me replace it and instead of allowing me to fix the transmission they fraudulently repossessed it. It was not past due I needed to fix the transmission and as soon as they found out the transmission went out they decided I needed to make all the payments and avoided the arrangements I made to make the repairs affordable. Please investigate this company.
Consumer complaint received 2023-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (WI)

Source receivable is trying to collect an invalid debt they purchased from XXXX. 

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. 

I also respectfully request to be provided specific proof of the alleged debt. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time or paid in full.It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late. Please update my credit report and remove immediately
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Based on the apparent inaccuracies shown in the enclosed credit report, it is evident that these companies have reported my data falsely. 
Please note that XXXX is reporting a 60 day late payment, while there is no 30 day late payment ever. 
Also TransUnion and XXXX both show a 30 day late payment and a 60 day late payment. I am very certain that my payments were always made in full and on-time.
Consumer complaint received 2023-04-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (AZ)

XXXX PNC Bank has terrible reviews across the internet for good reason. And they have been ripping me off FOR MONTHS. 

I tried in good faith for THREE MONTHS to work in person to get my issues resolved, but their flippant responses and continuation of bad practices were impossible to deal with. THEY DO NOT CARE ABOUT THEIR CUSTOMERS AT ALL. 

This is what happens when you have ONE BAD ACTOR at the helm, who has named himself CEO, president and chairman of the board. 

Specifically, the terms of my loan are that I owe INTEREST ONLY, but if the interest only is less than a {$75.00} minimum monthly payment, I will have to pay {$75.00}. This was reiterated to me on the phone by someone named XXXX at around XXXX XXXX on XX/XX/22. 

The BALANCE of that {$75.00} minimum payment should have been APPLIED TO PRINCIPAL, but instead, PNC Bank stole the money. 

On XX/XX/XXXX, {$75.00} - {$11.00} actual interest owed per statement equals {$63.00} stolen from me. 

On XX/XX/XXXX, {$75.00} - {$28.00} actual interest owed per statement equals {$47.00} stolen from me. 

On XX/XX/XXXX, {$75.00} - {$49.00} actual interest owed per statement equals {$25.00} stolen from me. 

On XX/XX/XXXX, {$75.00} - {$57.00} actual interest owed per statement equals {$17.00} stolen from me. 

PNC Bank owes me {$150.00} PLUS INTEREST accrued using their usurious math - backdated to the dates when they originally stole my money. 

-- -- -- - Apparently my annual fee is assessed in XXXX each year. PNC statements are difficult to read, but I have reviewed them closely. They are attached. I have no quarrel with the annual fee. 

THIS ALL COULD HAVE BEEN HANDLED IN PERSON. 

Furthermore, I find it reprehensible that I can not make a principal  payment unless I do it on the 12th of the month, and in spite of making every effort to be a good customer and pay off my loan, they want to get their FEES FIRST no matter what. What a terrible, awful company. I miss BBVA so much.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Consumer has requested several times for Experian to remove XXXX XXXX account from consumer report. They're in violation of FCRA, FDCPA, CCPA, IRS and ECOA. This account XXXX XXXX XXXX # XXXX is illegally listed on consumer report. This account is being reported with a balance as a closed charge off. According to the IRS Publication these cancelled debt is to be considered income. Experian continues to list this multiple time disputed account as a negative account reported as debt owed. The consumer must balance it's books with the IRS correctly by claiming this account as income but it is in conflict with how Experian is reporting my book keeping records. Income is not reported on consumer credit report, therefore this income considered account must be deleted immediately. CFPB must fulfill its duties and obligations by demanding the consumer reporting agencies not only investigate according to 15 USC 1681a ( e ) meaning of investigative report but also 15 U.S. Code 1681b - Permissible purposes of consumer reports-any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. CONSUMER DOES NOT GIVE WRITTEN INSTRUCTIONS TO REPORT ANY DISPUTED, NEGATIVE, WRONGFUL, OR ILLEGAL INFORMATION. also Under 15 USC 1681a ( d ) 2 the term consumer report does not include anyreport containing information solely as to transactions or experiences between the consumer and the person making the report ; PLEASE REMOVE LATE PAYMENTS OR DELETE ACCOUNT. 
15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. ( b ) Accuracy of report 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. 
Under California Consumer Privacy Act- Consumer have the right to have Experian penalized {$2500.00} or {$7500.00} per violation.
Consumer complaint received 2024-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-08-28
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. (IL)

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!
Consumer complaint received 2023-04-15
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Sensible Auto Lending, LLC (NJ)

I was sent a 1099C debt cancellation from Sensible auto on account number XXXX. I also have a UCC1 filing on the vehicle file number XXXX and this vehicle is an asset in my trust Account with XXXX XXXX, recently sent a complaint for this company to send me my title and they refused, they continue to try and report debt on my credit report i finally got them removed from all 3 credit bureaus and now I wake up to my car being illegally repossessed!. They took my car and I tried to call them and they wont allow to to retrieve my car or my belongings. I own this car this is not right that I pay it in full bit they have the right to take my car.
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (CA)

I disputed this debit at least XXXX times with all three credit bureaus and each time it comes back as 'verified ' and they will send me old statements. The statements are to addresses that I have never lived it as these debts are not mine. 

They will not provide further proof that it was actually ME, no identification was used so it's essential there word against mine and their only proof is the statement. No application or anything. This debt is not mine. I personally did not apply for or use this card. That's why whoever did only maxed it out and never made a payment as it was a complete scam.
Consumer complaint received 2024-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2023-04-14
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

XXXX XXXX  ran my credit report for a loan Im applying. And to no surprise transunion didnt fix on their issue of listed me deceased and no access to the report of credit report I have had this issue from them and only on transunion. 

I had sent them documents both email and physical mail to their XXXX XXXX XXXX 

When i called them again, they disconnected my call. Called again and they transfer me back to their main menu. When i reach back to them, they cant do anything other than send credit report and asking me to verified again. They also mention it was XXXX  and XXXX  issue, it is not as i am able to access report on both of their system. There unacceptable.
Consumer complaint received 2023-04-14
Product: Credit card or prepaid 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: DISCOVER BANK (WA)

I was charged for an un-allowed carry-on without my knowledge on XX/XX/27. I measured my personal item bag in their designated space two separate times. Once at the ticket counter and once at the gate.It is a rolling backpack because I am XXXX. It fit perfectly both times. I was never told that it was an un-allowed carry-on and in fact, they made an announcement at the gate saying if you have an un-allowed carry-on, we will let you know so that you can pre-pay on your phone because it is cheaper than if we add the charge for you. 

I also took the same bag on the flight back home and was not charged or told it was an un-allowed carry-on. I had to measure it the exact same way as the departure flight. 
I contacted XXXX XXXX and they told me that since the charge happened at the gate they could not authorize a refund and I needed to talk to the XXXX office at the XXXX airport directly, but told me they did not have their phone number. I even called the XXXX XXXX directly and they also told me they did not have the phone number for the XXXX XXXX at their airport. I researched for the phone number and could not find it. 

I do not live in XXXX so I have no way of requesting a refund from them given that their corporate office will not help me. XXXX has also stopped responding to my emails. 

I believe I am being discriminated against because I am XXXX and my backpack is on wheels. I need my {$99.00} refunded. 

Discover closed my dispute case and will not refund the charge despite all of this information.
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Over time, I've consistently made sure that payments on this account are made promptly, never letting them fall behind. I'm not sure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2023, XXXX XXXX the administrator of the estate account of her stepmother, XXXX XXXX was removed by the Circuit Court of XXXX XXXX, Probate Division. As a result I was appointed the new administrator in the same month. The former administrator was also removed as power of attorney for her father XXXX XXXX in XXXX of XXXX My attorney wrote a letter to Bank of America in XXXX and included the necessary documentation informing them of the change and outlined the steps that needed to be taken. He also visited the bank in person three times in an attempt to resolve the issue. The appropriate documents were given the the branch manager. He was told someone would get back to him. As of XX/XX/XXXX no one has responded. In addition my attorney was told that no one at the branch could help him. He was giving an XXXX # to call and was then told that the banker misinformed him. We have been given the run-around regarding a time sensitive issue.
Consumer complaint received 2024-05-12
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. (SC)

On XX/XX/2024 I reviewed a copy of my consumer report and I could not believe what I saw. There are 2 fraudulent accounts furnished on my report. I notified the FTC immediately because I am a victim of I identity theft. The data furnisher do not have any contracts bearing my wet ink signature. I requested an investigation into this matter because of the damage it is causing me. According to 15 USC 1681 Consumer reporting agencies are obligated to conduct a fair and reasonable investigation into the validity of these accounts. XXXX XXXX XXXX and XXXXXXXX XXXX XXXXt. I do not know how these people got my information but it is a violation of my rights to furnished inaccurate information about me to a consumer reporting agency. I have included an updated copy of my license as well as a copy of the FTC compliant. I am contacting you through the CFPB because I need all the help I can get fixing the things that these companies has falsely reported about me.
Consumer complaint received 2024-08-27
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)

Please remove and delete these accounts immediately as they were opened fraudulently without authorization and a valid written consent. I never had a contract with these creditors for any debt. Please provide me proof from the creditors that these debts are mine with the Contractual Agreement. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You in Advance for your Cooperation.
Consumer complaint received 2024-05-12
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. (TN)

XX/XX/2024 I tried to remove hard inquiries off my credit report with XXXX I quoted the law & they did nothing they didnt remove them at all. 15 US CODE 1028A!!!!!!
Consumer complaint received 2023-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (PA)

I own a small XXXX business. After being in business for approximately 5 years Ive decided to take out my first business credit card. Upon taking out my card I did my research and narrowed my selection down to American Express Business Gold Card. They advertise NO SPENDING LIMIT. After the excitement of filing an application I was approved. I was thrilled! Once the card arrived I activated it and I was surprised to be told there is a {$1500.00} spending limit. I spoke with numerous representatives that told me I can upload cash to it to increase the spending limit. But isnt that the same as a prepaid card? WouldnXXXX then I be spending money to increase the limit, then borrowing my own money and paying it back? Each representative said the spending limit would increase over time as I made payments. However my small business does about $ XXXX $ XXXX monthly on marketing expenses, supplies, gas, and maybe car repairs. Needless to say I was XXXX to find out that American Express falsely advertises NO Spending Limit when in actuality there is one. My issue is the false advertising American Express uses to lurer people to go through the process of applying which includes a hard credit check, getting selected, and denied the business funds a small company wants/needs to perform. I also filed a complaint within American Express. The Form number is XXXX.
Consumer complaint received 2024-08-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (FL)

CREDENCE RESOURCE MANAGE Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$370.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX {$370.00} XXXX updated XX/XX/XXXX Reason : Not this account is not validated. Unverifiable account/ Incompleteness/ not verified and this account XXXX reporting illegal information that is not FCRA or FDCPA 15 usc 1692c , 15 usc 1692g ( b ), 15 usc 1681i ( a ) ( e ) Action : REMOVE and update payment history immediately. ( 15 usc 6801 ) Protection of nonpublic personal information ( a ) Privacy obligation policy, and ( b ) Financial institution safeguards According to XXXX XXXX XXXX XXXX, XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ), 15 usc 1666. Delete ACCOUNT from report, due to unverifiable/ and lack information. Fair Credit Billing Act ( FCBA ) Purpose : To protect consumers from unfair billing practices and to provide a mechanism for addressing billing errors.

Key Provisions : Consumers can dispute billing errors on their credit card accounts and withhold payment on damaged goods or services purchased with a credit card.

Equal Credit Opportunity Act ( ECOA ) Purpose : To prevent discrimination in credit transactions. 
Key Provisions : Creditors can not discriminate against applicants based on race, color, religion, national origin, sex, marital status, age, or because they receive public assistance.

Fair Credit Reporting Act ( FCRA ) Purpose : To ensure the accuracy, fairness, and privacy of consumer information contained in the files of credit reporting agencies.

Key Provisions : Consumers have the right to access their credit reports, dispute inaccurate information, and have erroneous data corrected.

Section 611 ( a ) ( 5 ) ( B ) ( i ) : Certification of Accuracy of Information.

15 U.S.C. 1681e ( b ) : Compliance Procedures.

15 U.S.C. 1681i ( 5 ) : Reinvestigations of Disputed Information.

15 U.S.C. 1681b ( 2 ) and 15 U.S.C. 1681s-2 ( F ) ( I ) : Unauthorized Reporting.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ( 4 ) ( 5 ) ( I ) ( ii ) : Dispute Resolution.

15 U.S.C. 1681n : Civil Liability for Willful Noncompliance.

15 U.S.C. 1681 Section 602 : Right to Privacy.

15 U.S.C. 1681 Section 604 ( a ) Section 2 : Unauthorized Furnishing of Accounts.

15 U.S.C. 1666B ( a ) section ( b ) and 15 U.S.C. 1637a ( a ) : Incorrect Treatment of Late Payments.