davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation (KS)

Bridgecrest nor any of its DBA's/subsidiaries hold a Supervised Lender License as required by Kansas UCCC 16a-2-301 ( 1 ). In order to lawfully take assignment or service a loan, Bridgecrest must hold this licensure and be registered through NMLS, as well as through Kansas Office of the State Bank Commissioner. Bridgecrest has accessed my nonpublic personal information monthly to tarnish my reputation and coerce payment on an alleged debt that I do not owe nor was/is Bridgecrest properly licensed within my state to enforce any alleged rights within a Retail Installment Contract. Therefore, any relaying of information in conjunction with this allege retail installment contract is unlawful and void. If a lender takes assignment, it must file notification AND possess a supervised lender license as the Retail Installment Contract calls for a supervised loan bearing more than 12 % interest per annum. Bridgecrest has been requested to cease and desist all communication and delete this unlawful tradeline. Bridgecrest has not taken any of my requests seriously and continues to defame my character with its unlawful access to my credit file and furnishing libelous, derogatory information in which Bridgecrest has no authority. Bridgecrest has subsequently sold the unlawful contract to Persolve, who is also not licensed to collect or enforce supervised loans in Kansas. This is my last attempt to request the deletion of this improper and unlawful furnishing before litigating actions ensue. Please see the attachment from the OSBC Kansas Search Results invalidating any authority Bridgecrest alleges to have. A complaint with the OSBC has been filed also.
Consumer complaint received 2023-05-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: SYNCHRONY FINANCIAL (FL)

I received 2 voicemail messages telling me I was being sued. I called them back and was told the suit was a credit card debt that I didn't know about. I have no documentation of this debt. I told them I live completely off Social Security benefits. I was told that I needed to pay it and that 10 % of Social Security could be garnished if I didn't go on a payment plan. There is a Federal Law that says otherwise about protected income. 

To stop the lawsuit, they said they could put me on a " hardship '' status and would automatically take {$50.00} a month from my bank. I tried to find out what company they worked for. My interpretation was that they worked in a law firm. I found out later that they are a debt collector. I asked if the lawsuit had been filed. She said she could retrieve the paperwork on the suit from her computer so it wouldn't be filed ( This doesn't sound like it makes any sense ). 

They scared me enough that I gave them my credit card information. They immediately took out {$50.00}. I was then told if I stopped paying, they would sue me. I don't know why I agreed to this without any paperwork about the debt. 

I tried filing a complaint with the XXXX in Florida but they were not in the database. I tried to fill in the info about this company but they do not list a street address and this is needed by the XXXX to make a complaint. I looked everywhere for this info and couldn't find it. There website is very uninformative XXXX XXXX XXXX. They are located in XXXX, CA. I called the XXXX in California and they couldn't find an address either. 

I think this is a nefarious business picking on the elderly who are just trying to get by. I cancelled my credit card. If they sue me, I will bring the Federal Laws regarding garnishment with me. They can't take my car because I don't own one.
Consumer complaint received 2024-04-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (FL)

I opened a CD for {$1000.00} on XX/XX/XXXX with Marcus by Goldman Sachs. The CD was to mature on XXXX XXXX. On XX/XX/XXXX I called, per their instructions, to take the option that was offered to close the account and have a physical check mailed upon maturity of the CD. I was told that everything was taken care of, but I did not receive a check. I called back and was told my original check to open the CD did not clear the issuing bank. This was confusing, because I had been told in the beginning that the account was, indeed, funded, and I received regular statements showing the account along with interest earned. I did not receive a check after this initial contact with customer service, and, after the third contact in as many weeks, the customer service person told me that the check that had been issued to close the account was " called back '' due to the fact that the original funding check had not cleared. During that conversation, the issuing bank was included in a conference call and the bank confirmed that the original check did clear. I was informed again by the Marcus representative that a check would be issued, and the account would be closed, a closing process that would take " three business days '' and a check would be processed after that. I was told I would forfeit some interest due to closing the account, which was confusing because the CD had reached maturity. I got a letter, and the online account indicated, that the CD had rolled over to a new CD, which I made very clear was not my intent when I originally closed the CD on XX/XX/XXXX. As of the filing of this complaint on XX/XX/XXXX, I still have not received a check from Marcus. When I asked for some documentation supporting my several conversations with Marcus as well as for the account closure, I was told there would be none. Thank you for your attention.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have contacted XXXX to send me a 1099-C since they have stated that my account is charged off. They have my last payment date as XX/XX/XXXX and that they charged off the account XX/XX/XXXX. I sent them correspondence XX/XX/XXXX requesting that information however I have received no response, as it is well past 30 days. I also do not see where they notified the credit bureaus either, which are all violations of the FCRA. We are past the collection statute of limitations in California. They are continually reporting " CO '' on my credit report as a way to keep the most negative status possible, yet they have wiped out all of the previous positive information especially on Experian. I have previously disputed with Experian, but they seem to keep updating a more accellerated negative status as possible. When I have asked them to verify with specifics they will either deflect to a frivilous response or not investigate at all. XXXX is doing the same thing and not properly verifying the specifics. 
Long before this event occured I attempted to communicate with XXXX and they were not receptive. I even reached out to them after speaking to a non-cooperating manager to advise them that I am trying and no response other than threats. During that time XXXX XXXX XXXX XXXX  and everything financial was a struggle once the Pandemic came.I am XXXX  and needed a little more time or a payment plan. There are also some documents that I have with some fraudulent/invalid information on it that I have a legal third party investigating. Hopefully, we can come to some sort of resolution so this does not have to escalate any further.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-05-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION (MA)

I received in the mail on XXXX a debit card and notice to activate the card from M & T Bank. I called the banks XXXX MA XXXX and spoke to the bank manager and someone opened an account with them using my social security number. I did not open the account. 

I put a credit freeze on with all 3 credit bureaus, notified my bank ( XXXX ) and called XXXX MA Police to file a police report.
Consumer complaint received 2023-12-15
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. (FL)

These XXXX accounts are closed and to old to be reported on my credit report also these accounts are only showing payments for the last five months not the past eight years due to the fair credit report act if the information is not correct or can not be fix the accounts should be removed from credit report.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

Toyota financial services account number XXXX financial institution may not disclose nonpublic personal information to a non affiliated also there listing late payments. 
15 u.s. code {$6800.00} Obligation with respect to disclosure of personal information.

third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 u.s.c. 1681a ( 2 ) ( I ) 15 u s. Code XXXX XXXX  timing of payment
Consumer complaint received 2023-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

Someone stole my phone on XX/XX/XXXX and they made two transactions on Venmo when I did not have possession of my phone. 1. {$550.00} and 2. {$950.00} to a random person in New York. I realized these were made when I checked my savings account the following day. XX/XX/XXXX. I filed a claim/dispute with my bank XXXX XXXX and they said they would reward me credit while they investigate the claim/dispute. I also called Venmo and told them to freeze my account and I removed my debit card.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 2024-04-16
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BANKERS HEALTHCARE GROUP LLC (GA)

The company did not follow collection laws or procedure from the beginning, but on XX/XX/year>, the company agreed via their collections rep to restart my payments the following month on a date that I know the funds would be available. I then requested the validating information from my bank for the rep and forwarded it to her as soon as it was available and prior to the next due date. Additionally, I made my own request that a new payment schedule be provided to me.

From that point forward the rep ignored all of my correspondences, failed to provide the requested schedule -even after follow up request- and failed to accept payment. Then at or about 2 weeks after I provided all the validation and authorization for payment the rep requested, the company filed a civil action against me in order to defraud me.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (MD)

I am writing to request the immediate reinstatement of my account services and access with Navy Federal Credit Union. My account was revoked without proper justification or notification, causing significant distress and hardship. 

It has come to my attention that Navy Federal obtained my private information through XXXX XXXX XXXX ( XXXX  ) to make a decision to revoke my account services. This action constitutes a violation of my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) and the Uniform Commercial Code ( UCC ), as it involves the unauthorized use of consumer information for adverse actions. 

Furthermore, I assert that I have a legal right to use my account, as evidenced by the receipt of billing statements for the account. Despite this, I have been denied access to my funds, leading to emotional distress and financial hardship. 

I am fully aware that my securities were used and are still being used on my open account with Navy Federal. Therefore, there is no valid reason for the revocation of my account services. 

I urge Navy Federal to reconsider its decision and reinstate my account services and access immediately. Failure to do so may result in further legal action to protect my rights as a consumer. 

Enclosed are copies of relevant documentation, including proof of account ownership and billing statements, supporting my request. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the restoration of my account services.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/XXXX, and XX/XX/XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX ( a third party collection agency ) was contacted in regard to two fraudulent accounts ; XXXX XXXX XXXX XXXX in the amount of and XXXX XXXX XXXX XXXX in the amount of {$210.00}. Alleged debt for account XXXX on XXXX Transunion report was being reported at {$220.00}. XX/XX/XXXX Transunion credit report is now being reported at {$140.00}. 

An Affidavit of Fact was sent to XXXX XXXX CEO of XXXX  and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 

There has not been a VALIDATION of alleged debt by either Transunion or the third party collection agency. 

My credit profile that was generated XX/XX/XXXX, indicates that the " Account information disputed by consumer '', but it is still reporting negatively on my report.
Consumer complaint received 2023-09-15
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-25
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$8.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$25000.00}
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (NY)

On XX/XX/XXXX, I applied for a credit card via XXXX XXXX XXXX XXXX. The application was declined, and stated my report could not be accessed since it was locked/frozen via Experian. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX and spoke with XXXX, who informed they would not/ can not delete the hard inquiry, and confirmed the aplpication was declined due to my locked report.

After contacting Experian numerous times, I can not resolve the situation & the inquiry remains, affecting my overall credit.
Consumer complaint received 2023-12-25
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. (MS)

Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation.

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). 
" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. 
Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

313.1 Purpose and scope.

( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

XXXX XXXX
Consumer complaint received 2023-08-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

I have been trying to unfreeze my credit report to get a loan. When I try to reset my password I am asked for my phone number. I provide the phone number but the website says that it is not a correct phone number. The phone number is correct as I have been using the same phone number for many years. I can not reach anyone to assist me. I need to be able to lift my freeze now.
Consumer complaint received 2023-11-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MOHELA (CA)

I am writing to request the immediate correction of inaccurate information on my credit report, specifically pertaining to late payments on my account. I have recently spoken with a representative from the bank, and they have acknowledged the error and agreed to update their records upon receipt of a goodwill letter which was sent last XX/XX/23. 
The bank indicated that once a XXXX letter is submitted, they will take the necessary steps to update their records and correct the inaccuracies related to late payments on my account. The representative assured me that they are committed to rectifying this error promptly. 
I kindly request that you cooperate with the bank in this matter and promptly update the information on my credit report to reflect the corrected status of my account. 
XXXX XXXX  XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX  XXXX XXXX XXXXThose payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.