davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bridgecrest Acceptance Corporation (DC)

Account was discharged I financed my loan with XXXX. Who is Bridgecrest? 
Bridgecrest Credit Company ( Bridgecrest ) is our third-party loan servicer. Once a title is issued in your name with XXXX as the lienholder, Bridgecrest will secure and manage the title until the loan is refinanced or paid in full. Additionally, as your loan servicer, Bridgecrest is responsible for managing your payments, credit reporting, collection activities, repossession proceedings, changes in residence, name changes and refinancing or paying off your loan. 

Heres Bridgecrests contact information in case you need it : Bridgecrest Contact Phone Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Website : https : //www2.bridgecrest.com/ Email : XXXX Titles in the following states will be sent to the registered owner even if there is a loan on the vehicle : KY, MN, MD, MO, MT, NY XXXX and OK. Bridgecrest will manage the loan until the payoff is completed.
Consumer complaint received 2024-08-14
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. (MA)

In accordance with the Fear Credit Reporting act XXXX  Accounts # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my tights.

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.
Consumer complaint received 2024-06-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (IL)

A fraudulent wire transfer and foreign conversion per my original CFPB Complaint XXXX was made on XX/XX/year> for XXXX USD. Although I have been directed to XXXX to file a complaint against XXXX, I beleive that Citi who was the intemediary bank handling the wire transfer and foreign currency conversion was negligent in not recalling the wire in a timely manner and ultimately depositing the funds to the final beneficiary bank in XXXX. Athough XXXX made a recall request on XX/XX/XXXX, following a recall request made by me on XX/XX/XXXX, no action appears to have been taken by Citi or Citi XXXX to recall the wire in a timely manner.Given that the conversion would be a XXXX day settlement and the transfer of funds likely took additional time, it appears Citi was negligent on acting upon the request of XXXX to recall the wire. Since all fund transfers between banks and financial institutions particularly foreign transfers are documented by date and precise time per Anti Money Laudering regulations, I am seeking these dates and times by Citi and Citi XXXX in which my funds were ultimately transferred to the receiving bank XXXX XXXX determine whether there was misfeasance on the part of Citi and their affiliate..
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

I am filing a complaint against XXXXXXXX XXXX  acount # XXXX opened on XX/XX/year> reporting a balance of {$26000.00} This inaccurate inconsistent fraudulent account is reporting to XXXX transunion and XXXX and is negatively affecting me to obtain a new car loan.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.I have disputed this account with all 3 credit reporting agency 's and they are reporting incorrect inconsistent incomplete fraudulent information and is violating my federally protected rights under 15u.s.c1681c-2 i demand within 4 business days to block/delete this account.I have filed an FTC report # XXXX XXXX proof I did not open this account.
Consumer complaint received 2023-09-20
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc. (CO)

I needed some quick cash for groceries and gas. So I was applying for a payday loan and got contacted by Post Lake Lending. They said I was approved for {$700.00}, but when the APR was disclosed they were deceptive in how they disclosed it. They said something along the lines of " your interest is going to be XXXX XXXX XXXX XXXX '' with no decimal point added. I figured XXXX  % APR not XXXX % APR, which is what I'm paying. When I noticed this I started inquiring with lawyers, which was in the past week or XXXX. However, I received an email today saying they are going to garnish my wages if I didn't pay them within 10 days of receiving their email, which was today. It's not even about the ridiculous interest rate - It's about how it was disclosed and led me to believe I was paying XXXX % less in interest.
Consumer complaint received 2024-06-26
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. (IL)

XXXX XXXX XXXXXXXX XXXX recently settled a class action lawsuit and I was one of the consumers that was included in this Mass Arbitration. This company switched financing partners and new accounts were opened without consent of the consumers and it affected my credit negatively. I was not properly warned about the effect that this change would have on my credit. Learning of this made me very upset that this happened and contacted to company to close the accounts, I owed no balances at this time. After finding out that this company began to report the old account and new account as negative, I called them again and told them to remove the inaccurate fraudulent information from my credit report as I had not ordered anymore merchandise due to me learning that my account was switched. My request was never granted and I have been disputing the accounts for almost XXXX now. This company ignored my pleas to investigate more into the breach of my account even when I told them that I didn't received anymore items from their company and that the last item that I received from them was completely paid off. This has left me in an emotional wreck and very distressed. The negative impact has been affecting my credit for far too long and is being reported multiple times. This company also violated my rights to privacy by selling the fraudulent debt to another company with my personal information attached, while still reporting damages to my credit report. According to 15 U.S.C 1681 Laws, there should not be damages on my credit report as it is a deformation of my character.
Consumer complaint received 2024-09-18
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: EQUIFAX, INC. (FL)

Several disputes have been sent to Equifax and XXXX to remove this account the information on it is inaccurate the vehicle was resold for way less than what's reporting they last reported this in XXXX of XXXX however the vehicle was repo'ed in XXXX there was no XXXX sent the dates are inaccurate
Consumer complaint received 2024-10-25
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)

Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on accounts where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following accounts : XXXX XXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXX [ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports.

I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX Opened XXXXXX/XX/XXXX bal. {$14000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX bal. {$5100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-25
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. (LA)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-07
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (CT)

Greetings, Please refer to case # XXXX in regards to background information on this matter. XXXX has responded to this case by closing my account and partially refund the remaining balance. On XX/XX/XXXX, I had at least {$3000.00} dollars available in my locked account. However, only XXXX was refunded back to me. {$500.00} is still being withheld by bluebird for the past 3 months. 

I am respectfully requesting a monthly statement for the months of XXXX thru XXXX detailing the transactions that transpired during this period. Furthermore, I am requesting that my all remaining funds be refunded back to me. 

I recommend that this matter be also forwarded to XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX NY XXXX. This lack of transparency on the movement of my funds and witholding of funds for at least 3 months rises to the level of criminality.
Consumer complaint received 2024-06-26
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. (NV)

My account with XXXX was never late! I have had exceptional payment history with 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 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 months that are reported late 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 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
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

The following information which are inquires and employers does not belong to me. 

XX/XX/scrub>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
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I was completely shocked to see inaccurate accounts on my credit report this morning, and I have no idea how they got there. Ive always checked my credit report regularly, but this time there were discrepancies that just appeared out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but it didnt fix anything. The errors remained, and now Im asking that the documents Ive submitted be carefully reviewed so I can stop worrying about this issue once and for all.
Consumer complaint received 2024-10-25
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)

Upon checking my report I noticed a account i fo not recognize I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Consumer complaint received 2024-10-25
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. (TN)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number XXXX which is enclosed with this correspondence.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Trans union XXXX XXXX still showing a balance on a credit card from XXXX XXXX XXXX XXXX that i already paid off. and i need that account deleted from my credit report. As the bank agreed to delete. Thank you. i would greatfully appreciated. i've Gone through a financial Hardship And This Would Help Me With My Credit in the future. Thank You So Much.
Consumer complaint received 2024-08-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

I am submitting this complaint because I dont understand why Wells Fargo Bank keep stating that I am not eligible for the XXXX class action lawsuit when I had problems with the bank dating back to XXXX with mortgage loans and heloc loans. We have tried numerous times to get Wells Fargo Bank to acknowledge our complaint and claims that we have submitted via the CFPB report. Here are the accounts that we have been trying to get help with # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Fl XXXX, this is getting worse every time we submit our complaint Wells Fargo Bank refused to address the problem or answer the complaint. They keep changing the accounts numbers.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (DE)

For YEARS I have been unable to get my report for Equifax from XXXX ; every time I attempt I get an error message stating " We've experienced an issue processing your request ''. They send verification codes to phone and email but still get error message. I have no issue with getting a XXXX or XXXX report. I have tried calling Equifax but as they outsource the reps are unable to understand the issue. I have created a XXXX account. Upon logging into that account I get an error message that can't provide me with my credit report " Unable to process request ''. When I then attempt to click on get assistance I got bumped out of account and any attempts to log back in is met with an error message " Please give us a call '' and therefore the cycle starts again. I am concerned not only as to why they WILL NOT PROVIDE me with a credit report when XXXX and XXXX seem not to have issue but also the fact that I recently opened a new credit card and when the provider sent me disclosures that they used Equifax and displayed my credit score the score is more than XXXX points lower than what XXXX and XXXX have for me so there is concern that there may be inaccurate information on my Equifax report.
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (NC)

My husband died last year. I found out that he co-signed for a card in my name. I sent Wells Fargo information proving my ex-husband and I lived at separate addresses at the time he did this and a cash out mortgage 2 years later showing it wasnt on my credit report to pay off at the closing. they are still saying it isnt fraud bc he used our joint checking account to pay the payment like he did for all his debt and bc I own the property where the merchandise was installed. I didnt even live at the property at the time of installation which I also proved. Plus, This is not a secured debt. I proved to Wells Fargo that I didnt know about the debt until after my exhusbands death. I due diligently sent them solid proof of the two different residences and even my digital signature which was not used to sign the contract for the card. My partial name typed out was used to sign the document. They are not using the definition of fraud to determine my case. They are just going by the fact that the merchandise increases the value of my property. Which it does not bc my property is only valued for the land not the building per the tax records. I actually have a negative against the house on my taxes records bc the building is devalued by the tax dept. I can provide proof if they would like the tax statement on my home. I have been contacting Wells Fargo since last year of this issue. It has effected my credit score and cost me thousands of dollars for my husband to have used my information to gain this card. Ive also offered to provide proof that we had no debt in 2019 together not even my mortgage or any debt there after. And Wells Fargo doesnt care about the facts. Ive done everything theyve asked of me only to be denied my fraud claim for the same unproven reasons even after supervisor told me to provide proof I lived at a separate address. No check is signed by me and the first correspondence they had with me about this debt was a month after my husbands death when I was contacting all his creditors about his death and making payments until his estate was set up. They didnt even have my telephone number or email Or employment information until I started fighting with them. They only had my social security number and a value of my income. I even proved my husband lied on the application about his income. He has no income at the time and it states he has XXXX XXXX month. And they only have his email address that I didnt even know he had until they sent me a copy of the digitally signed contract he signed through his email. I was forced to settle this debt to keep it from further ruining my debt bc unlike what I was told by the people at Wells Fargo- they were reporting late payments against me. This is a shady company that does shady business practices. I was also told that a spouse can sign a joint agreement on behalf of the other spouse. Im not sure how that is even legal.
Consumer complaint received 2024-08-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Client Services, Inc. (VA)

Call was from client services at the following numberXXXX ( XXXX ) XXXX the representative did not provide their name asked for my personal information. I asked who the company was so I can submit a letter as I do not owe anyone as all my debts were included in my bankruptcy which shows on my reports. The representative was rude and argumentative.