davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (PA)

In XXXX, I financed a XXXX XXXX XXXX via Bridgecrest Acceptance Corp XXXX XXXX ). I put down $ XXXX down on the vehicle. Throughout the life of the loan, I have encountered severe economic challenges due to hours reduced at work and illness. Bridgecrest has never helped with my situation, won't work with me and only a few days prior to my truck being repossessed, a local charity ( XXXX XXXX XXXX XXXX ) on a three-way phone call with myself attempted to pay {$1200.00} towards the loan- which would completely remove the repossession order. Bridgecrest refused to allow the charity to pay {$1200.00} via over the phone due to my ( XXXX XXXX ) history of bounced checks. After explaining to Bridgecrest that the payment would not be drafted from my checking account, but rather the charity 's business account they still refused to allow the payment via phone. Throughout this ordeal, " in an attempt to collect a debt '' Bridgecrest calls/texts/emails me multiple times a day. 

Bridgecrest told XXXX XXXX ( XXXX XXXX for XXXX XXXX XXXX XXXX ) that payment would only be accepted via US mail. On XX/XX/XXXX, XXXX sent Bridgecrest a check in the amount of {$1200.00}. As of today, Bridgecrest states that no check has been received. On XX/XX/XXXX, a new order of repossession was issued. I paid the car payment via online ; thus overdrawing my checking account by {$200.00}. 

Due to Bridgecrest 's refusal to help, refusal of payment via phone by a third-party business account and " missing check '' I am 100 % convinced they want to repossess the truck- due to the large of amount positive equity ( low miles, XXXX downpayment.
Consumer complaint received 2023-05-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC (NY)

I sent a letter requesting debt validation of the alleged debt through certified mail. They received this request on XX/XX/XXXX. It has been 30 day, and they have failed to respond, but they are still reporting negative information on the alleged debt.
Consumer complaint received 2023-03-14
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. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2022-12-05
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 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 2017-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Prior to the filing of foreclosure by Bank of America, we were told we had to be 60 days delinquent before they could talk with us. We filled out paperwork for loan modifications with Bank of America twice, and both times we were told that documents were lost and we 'd have to file again. We filed once with XXXX and the application was declined because I did not submit a driver 's license. I informed them that I do not have a driver 's license and was told there was nothing they could do. Bank of America filed for foreclosure in XXXX of XXXX. Towards the end of the proceedings, Bank of America 's attorneys managed to substitute XXXX as the servicer and created an assignment of mortgage to XXXX. Bank of America also convinced the judge to dismiss our counterclaims and grant Bank of America summary judgment. It has been our contention from the beginning that Bank of America 's assignment of mortgage from the originator, XXXX, was a fraudulent assignment and the facts of the case support this contention. We will attach the supporting documents. Our loan was securitized in XXXX of XXXX and therefore Bank of America 's purported assignment from XXXX could not be true. The note contains no endorsement to XXXX who purchased the note in XXXX, and then securitized it { by their own admission in answers to interrogatories ). Further, it can not be possible for XXXX to have assigned the note and mortgage to Bank of America on XX/XX/XXXX, if they had already sold the note to XXXX in XXXX of XXXX. The purported assignment from XXXX to Bank of America contains a notary signature that is illegible. This is an invalid signature under California notary rules. Also, the notary admits to having signed up to XXXX documents per day for Bank of America during this time period. This is commonly known as robo-signing -- something that Bank of America was sued for by all 50 States Attorneys General. Again, supporting documents are attached. A foreclosure judgment in favor of XXXX was rendered over our objections, due to fraud upon the court, on XX/XX/XXXX. We are appealing this order. A sale is scheduled for XX/XX/XXXX. We would appreciate any help from your agency, including possibly an Amicus Brief in Support of our Appeal. We do not believe there is time to stop the sale but your assistance in that regard would also be appreciated.
Consumer complaint received 2021-01-15
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: EQUIFAX, INC. (FL)

I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items
Consumer complaint received 2023-05-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I received an email from Venmo that someone tried to access my acct. At the same time I received multiple back to back phone calls from a number I did not recognize. By the third call, I was worried that it was an emergency call so I picked up the call. The caller said it was an urgent message from Venmo that someone charged {$300.00} and that if I did not enter the pin number that they just sent me, that the charge would go through. So I entered the pin that said it was from VENMO. While I was doing this, I went to my laptop and logged in to my VENMO acct. to see if I could see this charge. I viewed my balance and then noticed from the home screen that the name on my acct. had been changed. I didn't see any unauthorized transactions. This whole time I was still on hold with the call stating they were verifying my acct. Then I noticed that my balance had decreased while I was on the phone. I tried the contact XXXX XXXX  and also the chat bot to ask for help typing in the words help and fraud and stolen hoping to trigger a telephone number or some other direct way to contact VENMO. In the meantime, my roommate found a number for VENMO so I hung up and called them immediately. I was able to connect with a person and told them what was happening. During this time, the last of my balance was drained from my acct. I desperately asked them to stop the transfer knowing this was fraud. They said it was too late ... .that I should have called within minutes ( even though I did ) and that there was nothing they could do to stop the transfer. All of this took place between XXXX and XXXX. The VENMO page of my acct said the funds wouldn't go through until XX/XX/31 but the VENMO rep said that it was still too late to stop the funds from leaving my acct. and all they could do at this point was to open a dispute. This was not an Instant Transfer -- but they still could ( or would ) stop this after verifying that this was an authorized transfer even by their own standards. You can see from the attachments that I did contact them as it was happening and yet they still say it wasn't fast enough to stop the money from being stolen from my acct. Additionally, there is no published number on their site to contact them immediately and their call center is not a XXXX  call center so if you did contact them immediately, they might not be open to help you.
Consumer complaint received 2017-03-22
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (FL)

On Wednesday, XX/XX/XXXX was the last time I physically used my card I notice on Saturday, XX/XX/XXXX I did n't have my card. I did buy food at XXXX through XXXX the night before Saturday. Saturday morning I immediately called the bank and alert them but between the XX/XX/XXXX and the XX/XX/XXXX checks were deposited that were not mine and money was withdrawn actually in a large amount {$3500.00} what ATM gives you that amount in XXXX transaction since then I have been disputing this issue going back and forth they finally unfroze my account I deposited some money since everything was cleared through the bank and more of my money was taken now they tell me I ca n't open up more claims and that I had no limit in pulling out money my understanding most banks the limit is {$500.00} I ask for your help I 'm a XXXX helping my parents my mother is XXXX so I help with my bills and some of theirs as well as my sister expenses as she is in XXXX still I 'm trying to make a better life and paying for school it 's sad how a bank took almost a XXXX dollars no emails no contact no calls bank personnel very rude no professionism situation jumps from one person to another please I ask for help
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MD)

Making another complaint because they refuse to work with me in any way and are now intentionally reporting false information to the credit bureaus, making it impossible for me to qualify for anything because they are reporting that I am making MONTHLY payments of {$5500.00}, which is completely false. Even it was was true it wouldn't make any sense financially and I wouldn't pay it anyway and I will not pay what is left. This will be my last attempt to settle the matter before I moved up to the DOJ and pursue further action. I was severing in the military from XX/XX/XXXX, until XX/XX/XXXX. Given that the vehicle was repossessed during this time of service without my written consent or court appearance " according to Chases own SCRA act statement '' this may be grounds for violation. I hope you will work with me on this. I am not making monthly payments of {$5000.00}, this is not accurate and has been false. I have tried to fix this, I have asked you to fix this, please work with me. I want to be done with this account and you guys.
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Somebody with the same name as mine but a different SS # & different Date of birth applied for a credit card from Kohl 's. For some reason, Kohl 's opened the account under my SS # & DOB. I noticed this when I received some mails from Kohl 's. I immediately contacted Kohl 's & requested them to close the account. I followed up a month later & they assured me the account was closed. However, one year later ( About XX/XX/2016 ) I received a notice of privacy practice from Kohl 's & also it came up while applying for a mortgage loan that I have an open account with Kohl 's. 
I come to find out that Kohl 's did not close the account as they indicated one year earlier. I contacted them again & it became a running battle for them to close the account they had illegally opened under my SS #. At this point, my credit was negatively impacted & I got less favourable mortgage terms than I would otherwise have gotten. I believe Kohl 's owes me some compensation for the harm they did to my credit & the grief they caused me.
Consumer complaint received 2023-04-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Stellantis Financial Services US Corp. (FL)

I had a baby and was on FMLA. After returning to work, I was behind on several bills. I have tried to make arrangements with this company but was told I was ineligible for any assistance until I made 6 payments. I have talked to several different representatives and they were all rude and unhelpful. This is the worst auto finance company and their business practices should be looked into.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

I made XXXX payments of {$5000.00} to my XXXX XXXX XXXX  in XXXX of XXXX, however XXXX payment was never credited to my account. The {$5000.00} payment from XXXX XXXX  was made on XXXX and never appeared on my XXXX XXXX. I have been trying to rectify this ever since. I submitted a letter dated XXXX, XXXX, from XXXX XXXX  detailing the transaction, though this seems to have been ignored by Commenity Bank. Therefor I am also including the bank transactions for the month that shows the missing payment. 
XXXX XXXX offered to make a XXXX way conference call, but was told by Commenity Bank that " 3rd parties could not be involved. '' never mind that the " 3rd party '' is a Bank, the one that made the payment. I have numerous emails between myself and XXXX XXXX  on the subject. 
I was informed over the phone, at the onset of this problem that the disputed {$5000.00} and any fees or interest would not appear on my statement until after resolution of the matter, and yet said amounts have shown on my statement all along. This has caused real damage to my credit rating and to my good name. 
Be it known that I have XXXX financial debt of any kind, whether it be this Commenity Account or any other. All vehicles and properties are owned, free and clear of any loans.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (TX)

On XXXX I asked to remove late auto payments from my report.According to ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-05-30
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (FL)

I opened a merchant account ( payment Processing ) with Chase. Hoping that they would be honest. I collected {$1900.00} between XXXX transactions and they kept the XXXX. I called them 3  times and they told me they would return the money from XXXX to now. they still havent return the money. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  and to be out XXXX has caused my family alot of grief. I like chase because they have been a good bank to me but to hold on to my money for XXXX  month is crazy. I went into the bank and they said another department handles this. Kindly return my money
Consumer complaint received 2023-05-30
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 — Their investigation did not fix an error on your report
Company: LEXISNEXIS (GA)

I disputed with XXXX nexis and per XXXX nexus letter attached had the incorrect bankruptcies removed from my XXXX nexus report. I've called 3 times and spoke to someone. Was even sent a letter verifying removed and advised by lexis nexis to send to credit bureau to have removed. They have a verified account and unverified account with this info. They removed from verified account and claim they are working on the unverified account I received letter advising info deleted in XXXX but still has not been deleted from both there verified and unverified account info
Consumer complaint received 2023-05-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: STATE EMPLOYEES CREDIT UNION (NC)

I have had a business insurance policy since XXXX XXXX  2021, and dealt with one company at XXXX XXXX, XXXX XXXX XXXX. Not one time have they explained to me how to use it, because the annual fee is XXXX dollars, I have been paying XXXX. I haven't used any of the endorsement at all. I need to know why? And where my assets.
Consumer complaint received 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

Lexis Nexis is ignoring my request of suppression from sharing my personal credit report. I have submitted several request to suppress my credit report, yet my request are not being honored. I have added the necessary documentation to expedite the suppression request. I have even added the verification documents to this complaint. 

Please delete the unverified bankruptcy from my credit reports. The bankruptcy court has already confirmed that they do not share information, nor do they verify information pertaining to bankruptcy filings. Therefore, this account is fraudulent and inaccurate and defamatory.
Consumer complaint received 2023-05-30
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: Resurgent Capital Services L.P. (DC)

I am a victim of identity theft and fraud there have been accounts opened in my name that I have not been aware of I checked my credit report yesterday and I have seen several accounts that I never applied for or opened.
Consumer complaint received 2023-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

I have contacted ERC debt collector ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX ) multiple times disputing an item on my credit. 
XXXX XXXX XXXX has verified with me that they do not have record of me having any contracts with them other than a pre-paid phone, in which would not report to my credit. Even with that confirmation XXXX. I sent ERC an email to verify proof of identity towards the debt or have it removed due to fraud XXXX as well. XX/XX/XXXX was the last time i contacted ERC for an update but they are still waiting on XXXX XXXX XXXX. I am almost reaching a month of waiting for an answer about this fraud on my credit.
Consumer complaint received 2022-11-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).