davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
Product: Vehicle loan or lease — Loan
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: Bridgecrest Acceptance Corporation (CA)

On or about XX/XX/XXXX, a retail installment agreement was made between XXXX/Bridgecrest and XXXX XXXX XXXX XXXX The agreement included GAP insurance which covered and indemnified the full amount of the retail installment agreement. The vehicle named in the retail installment served as collateral along with the security interest in the note which subsequently turned into a security after 9 months. Bridgecrest executed an involuntary repossession on the vehicle on or about XXXX XXXX. However, after a vehicle title search and UCC 11 search, Bridgecrest had not perfected title nor security interest via perfected lien, on the vehicle. Additionally, after further research, Bridgecrest received indemnification of the retail installment contract via the GAP insurance payment filed by Bridgecrest on or about XX/XX/XXXX thus eliminating any monies that may have been alleged to be due on the contract. However, in XXXX, after filing numerous complaints against Bridgecrest, Bridgecrest continued to assert that there was a remaining balance outstanding on the contract ( See responses to previous CFPB complaints by BRIDGECREST ). These responses evidenced Bridgecrest 's failure to properly address the concerns raised in both complaints by victimizing the complaintant with a recitation of the history of payment transactions with no evidence provided for such transaction history. 

Bridgecrest also failed to properly file a 1099C with IRS, and forward the appropriate documentation per tax codes and IRS policies, as the alleged debt was over 3 years old and had been " charged off '' according to Bridgecrest 's accounting records. Bridgecrest has also violated the Security Exchange Act by not properly reporting the security transactions it engaged in, and failing to disclose such transactions per TILA. Bridgecrest has also failed to provide me with the full accounting of this contract according to GAAP and GAAS, despite numerous complaints and requests to do so. Bridgecrest has been willfully negligent and violated federal and state laws, along with violations according to the Securities Exchange Act. ( The latter will be reported directly to the SEC ). BRIDGECREST further violated by executing an involuntary repossession on a vehicle in which they had not perfected a security interest nor title, thus committing fraud and theft just to name a few federal violations.
Consumer complaint received 2020-10-03
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: Experian Information Solutions Inc. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2023-05-11
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: Experian Information Solutions Inc. (OH)

I sent a letter last XX/XX/XXXX, to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$590.00}
Consumer complaint received 2021-01-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am addressing XXXX XXXX XXXX XXXX, Transunion, and XXXX. I just want to know why XXXX XXXX XXXX XXXX Labels every complaint and request from the Consumer Financial Protection Bureau as duplicate. I will continue until I receive an answer. AGAIN, XXXX XXXX XXXX XXXX just labeled the following complaint as duplicate -- -- -- -- -- " How can every complaint and request sent to XXXX XXXXXXXX XXXX XXXX  be labeled " duplicate '' when not one request or complaint has yet to be answered? I want XXXX XXXX XXXX XXXX to explain. XXXX  XXXX XXXX XXXX can call me and explain their position instead of just ignoring and playing games labeling all complaints are duplicates. I want XXXX XXXX XXXX XXXX, Transunion, and XXXX  to explain why every complaint and request sent to XXXX XXXXXXXX XXXX XXXX is labeled " duplicate '' when they have yet to answer one. '' Amazing!!! XXXX  XXXX XXXX XXXX is making a mockery of America Laws and government. In addition to labeling everything as " duplicate '', they have yet to send copy of the dated credit report that will prove they did not have permissible purpose to pull my credit in XXXX that led to a fraudulent auto loan.
Consumer complaint received 2023-03-03
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-04
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: ALLY FINANCIAL INC. (TN)

Ally Bank is a bank that did a credit inquiry on my credit report on XX/XX/2020 in reference to a co-applicant loan for a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX XXXX they did proceed to go through to process this loan with a application ID number of XXXX and Ally stating the reasoning of denial of the loan was they could not run a credit score with XXXX due to it not being available. However, Ally caused a hard inquiry on my credit report.This is reporting in error with all three bureaus. Please have this error removed off my credit report. Ally did not get a score but it's stating they did a credit hit on my credit report. Ally Bank XXXX XXXXXXXX XXXX CT XXXX Phone XXXX
Consumer complaint received 2023-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a dispute with Bank Of America. And the total amount is {$10000.00} for my dispute ( total XXXX transactions that was not authorized by me ). At first the bank credited me all amount {$10000.00}. 
And then XXXX  months later when they looking at XXXX transactions I disputed. They sent me a Letter said that duplicate resolved The bank took {$5600.00} from my account and bring my bank to negative balance. All my bill was returned because their mistake. 
I called so many time to resubmit the claim and reinvestigate my dispute but they refused my request. They dont want to fix their mistake.the main thing here is : There are XXXX translations in total. All different confirmation numbers on the statement but there are some transactions have the same amount so they was confused and they took out XXXX transactions with amount {$5600.00} out of my account with the reason duplicate transactions but its not true. Took money out my account without let me know anything happened?? XXXX weeks later They sent me a letter said disputed resolved : and its showing the amount is {$10000.00} but the true is they only credited me {$4900.00}. 
With their mistake I lost my {$5600.00} in my checking account. I need help please! I work so hard to save money. Please some one can help me take my money back from BOA please. I have been their customer for XXXX years. I am so disappointed I cant believe they can do that to me.please help me. Please helps me get Justice! they are inefficient and do not respect customers.they don't correct mistakes, they don't care about customer loss I lost {$5600.00}. I need get my {$5600.00} back. 
I hope someone on here can help me and let BOA know about all this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have two Capital One Credit Cards. As a whole, the company has had numerous technical issues from online issues to the postal service that conculusively inhibit consumers from paying their bills on time, yet given proof to the bank regarding this, Capital One continues to tack on late fees. We are in the middle of a Pandemic. Our postal service is unreliable and all of us have been experiencing issues with online services. Given the circumstances, it's not appropriate, nor is it fair for Capital One to gouge the consumer with late fees. 

During the last billing cycle, I didn't receive a bill. On the day the bill was due, I called Capital One to pay the bill. I spoke with a representative who said that they were experiencing technical difficulties. I expressed my concerns involving getting a late fee as a result of an issue on their end. The representative told me that Capital One is aware of the issue and as such, I wouldn't receive a late fee. After speaking with a representative today to address the issue, I was informed that the initial call was overseas and that there wasn't a way for them to verify that information. I asked to bring the account up to current and to withdraw the late fee. They refused. The last late fee I had on this card was almost a year ago. 

Capital One Bank is backed by the FDIC. To that end, they have received federal money paid by small businesses such as mine. It's not fair that their issues are passed on to the consumer without proper recourse. Due to the numerous bank issues I've had online with my other Capital One credit card, I elected not to use the online service for this credit card. I am therefore asking your help in intervening to erradicate the late fee off of this account. Currently, there is just one late fee. They're unwillingness to help is what's most irritating. They admitted that they're currently are experiencing challenges from online to the postal service. By their admission, the pandemic has caused an interruption in service. As such, I am asking that the consumer is protected from any adverse affects and that Capital One cooperates in providing relief by releasing consumers of senseless late fees. If there's anything else I need to provide, please let me know. I appreciate your help with this.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Agency continues to report this closed account.The account was paid and closed several years ago. This action is causing a tremendous damage to my personal credit with continuously reporting an account that was paid as agreed and closed years ago. It would assist me tremendously if you could make an adjustment and remove this negative payments and reporting entry from my three credit bureau reports. This is a closed account that represents a past failure that I am hopeful will not continue to hinder my future.
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (TX)

There is a late payment posted to my consumers report on the account XXXX Account number:XXXX late payment of XX/XX/2022. 15 usc 1666b there was no billing statement sent 21 days before the payment was due. The credit agencies has failed to validate information that is posted. Ive asked for this account to be verified and accurate all three credit agencies are reporting different balances ... and failed to update the comment section notice of my dispute.. The account has different scheduled payment amounts, no last activity, different closed dates. and term agreement. Ive sent the same dispute to each agency and no response of the " validation '' just verified with no supporting documentation
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-03-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-03
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: Experian Information Solutions Inc. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX {$1100.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX {$510.00} XXXX XXXX XXXX XXXXXXXX {$3800.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$11000.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX {$200.00} XX/XX/XXXX
Consumer complaint received 2021-01-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Army and Air Force Exchange Service (VA)

I am XXXX XXXX Military an incurred a debt from AAFES credit card company. Around XXXX of last year my pay was messed up from XXXX and was unable to pay. I contacted AAFES before and after and paid current as soon as I was paid. They marked me as 30 days late on my credit report. I attempted to disputer the derogatory remarks from the 3 companies and also send almost 30 emails in the past year and cant get AAFES to remove the 30 days late from my reports Please help Many Thanks
Consumer complaint received 2020-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Solution Providers LLC (NC)

{$1800.00} has been collected from me since XX/XX/XXXX from collector other then original creditor and when requested documents of original agreement and information on how much I have left owed and proof of where my checks have gone to the operations XXXX promised it will be sent to me within 24 hours and since then and following up with him and other employees of Financial Solution Providers @ fsp emails and calling FSP number on main websites I have received no responses, pick up of phone calls anything at all and more payments are going to continue to come out of my bank account by auto draft and nobody will acknowledge or respond to any of my attempts to contact them. Im just being ignored and I don't know that my checks are going to something legitimate or what to do as nobody from that company will respond to me.
Consumer complaint received 2021-01-12
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. (NY)

I am a victim of identity theft, the account in mention is not mine, I don't know how anyone can verify a fraudulent account, this account is not mine and i had nothing to do with it
Consumer complaint received 2023-03-03
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: Experian Information Solutions Inc. (SC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physicalVerification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' I have already disputed these items with the bureaus but they did not remove them, not prove validation. 
XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2020-10-02
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: Experian Information Solutions Inc. (NY)

THIS CAR LOAN WAS NEVER OPENED BY ME IN THE FIRST PLACE I ASK THEM TO JUST REMOVE THE LATE PAYMENT OR THE ACCOUNT AS A WHOLE I NEVER SIGNED FOR THE LOAN AND WANT THIS ACCOUNT REMOVE ASAP
Consumer complaint received 2023-02-08
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: LEXISNEXIS (NY)

My name is XXXX XXXX, and I am a consumer submitting this complaint on the behalf of myself without the influence of any third party being involved. LexisNexis is furnishing tradelines on my consumer credit file that is a result of aggravated identity theft 18 usc 1028a. My personal identifying information has been improperly used to furnish negative accounts on my consumer report that violates both together and separately my consumer and privacy rights. FTC report # XXXX and improper accounts being used to furnished negative items on my consumer report without my written consent or authorization by you Lexis Nexis, XXXX, XXXX and XXXX did not open this account nor authorize any one to open said accounts on my behalf. You are also reporting inaccurate, erroneous and fraudulent accounts, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or wasn't any transaction made by me without lawful authority, my written consent or authorization. 
Per the FCRA any account resulting from aggravated identity theft is to be blocked within 4 days of receipt of notice as outlined under 15 USC 1681c-2. Please cease the reporting of this tradeline on my consumer credit file. 
Please see attached FTC report number XXXX for reference. See attached docs as it this document counts as my statement, copy of my ID including my current address, the identifying information of the fraudulent inquiries, and a copy of a bill evidencing my address. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. 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. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX ) 3. the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not transactions made by the consumer. 

P.S. This written statement classifies as the statement required under the FCRA/FDCPA when reporting fraud.