davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-11
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 XX/XX/2022, my final payment to Bridgecrest cleared my bank. I was immediately shut out of their online portal, so I can no longer see the status of my loan. Their customer service says it will be XXXX business days from the XXXX before they can verify that the payment was good and that nothing further is owed to either party. After that, they will issue a letter releasing their interest in the vehicle. In this day of instant electronic payments, how is this justifiable? I need to sell this vehicle soon, but cant even show prospective buyers that the vehicle is paid off via the website.
Consumer complaint received 2022-11-11
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. (NC)

This is a complaint against XXXX  XXXX XXXX. The people I dealt with claimed to not to work on commission and introduced themselves as something else and not a salesperson. When I spoke to them, they told me I was making a good financial investment. They said I can earn from this if I decide to sell it as the resale value would go up. I was promised of rental income as well if I decide to rent it out to others. They said it had some tax benefits similar to owning a second home. I was pressured because they're saying that it was my last chance to grant me the lowest price being offered. They took my ID to make copies, I was given gifts such as a bottle of champagne and a gift card. Everything felt rushed especially and some information we deliberately skipped or withheld, I was never made aware of all the fees involved. I'm old, and they used that to take advantage of me. This has just been very stressful for me, I was simply defrauded. This is clearly unlawful deceptive sales tactics and misrepresentation, omission of facts, withholding information, exaggerations of timeshare use of product anytime etc.
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX {$5900.00} XX/XX/XXXX. 
Unable to verify or validation debt is owed or if there is an contractual agreement. Several Complaints to CFPB have been made. 15 USC 1611 is the criminal/civil penalty for whoever willingly furnishes fraudulent information. This needs to be removed. Irreputable damages have occurred because XXXX didn't do due diligence to see if the account was opened fraudulently. 

XXXX XXXX XXXX {$290.00} XX/XX/XXXX Unable to verify or validation debt is owed or if there is an contractual agreement. Several Complaints to CFPB have been made. 15 USC 1611 is the criminal/civil penalty for whoever willingly furnishes fraudulent information. This needs to be removed. Irreputable damages have occurred because XXXX didn't do due diligence to see if the account was opened fraudulently. 

XXXX XXXX XXXX {$6500.00} XX/XX/XXXX This is incorrect, payments have been made and haven't been honored. I can provide truthful accounting records. How can I only have a credit limit of {$1000.00}, but used {$6500.00}? How does that add up? XXXX XXXX XXXX is a criminal penalty of a year and or a civil penalty of {$5000.00} per violation. If XXXX is to be a credit reporting agency then XXXX XXXX must be available at all time. I did not close the account because I am the creditor. 

XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX This debt has been paid in full. I have the documents proofing as such. This account was closed XXXX XXXX XXXX is another violation of my protected rights.
Consumer complaint received 2019-12-07
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: EQUIFAX, INC. (FL)

I disputed XXXX XXXX collection for {$100.00} after speaking with XXXX in which they agreed to delete the account from collection due to an error in their accounting. Due to Me having a current Active account with XXXX. The dispute results were verified as accurate even though it is false. Please verify with XXXX and remove the account from my Credit Report.
Consumer complaint received 2019-12-07
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: EQUIFAX, INC. (MS)

This CFPB complaint is concerning INACCURACIES in the XXXX XXXX XXXX Account reported on my Equifax Credit Report. The PAYMENT HISTORY reported shows Late Payments and Charge Off in the years XXXX and XXXX ( See Attachment 1 ). This XXXX XXXX XXXX   Account was sent to a Debt Collector, AT LEAST, by XX/XX/XXXX ; I PAID and SETTLED with XXXX XXXX XXXX, the Debt Collector, in XXXX ( See Attachment 2 ). There should be NO PAYMENT HISTORY reported after the account was sent to Debt Collection in XXXX or earlier. I have contacted XXXX XXXX XXXX numerous times about these INACCURACIES, and no action was taken. I have disputed these INACCURACIES with Equifax, most recently last month, on XX/XX/XXXX. I recently received a notice from Equifax that this reinvestigation was completed on XX/XX/XXXX ... even though, the disputed account still contain the comment Consumer disputes - reinvestigation in progress ( See Attachment 1 ).
Consumer complaint received 2024-10-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Marlette Funding, LLC (GA)

Got it. Heres a description you can use : I contacted Best Egg before my account closure and spoke to a representative who assured me that my account would remain open if I made a payment on XX/XX/XXXX. I made the payment and scheduled the next two months ' payments. I see that the payment posted and was withdrawn from my bank. However, when I called today to confirm everything, another representative informed me that the account closed on the XXXX. This was after the first representative said everything would be in good standing. The second representative claimed he didnt have that information. In my defense, this means I was given false information or was blatantly lied to about the account status just to receive a {$55.00} payment on an outstanding balance that was going to be paid.
Consumer complaint received 2024-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AL)

I have not supplied proof the doctrine of estoppel by silence. XXXX v. XXXX  ( mo ) 281 sw 715. 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists My debt was sold to another entity so by law this account should be removed from my credit report expeditiously because of the negative damage its causing towards my score!
Consumer complaint received 2022-11-11
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. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/ XXXX XXXX XXXX
Consumer complaint received 2019-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Collections have just recently been added on equifax from 5 years ago that have not been on my report. I had gotten myself collection free and now these 4 from XXXX XXXX that have been opened for 5 years are added once the complaint about my vehicle information was reported through here. I now have lost 97 points so quickly yet they can not report accurate information and properly fix and adjust my report. MEDICAL collections should not affect credit scores or history if you do not have to apply for a medical loan. Should not be held against you or your credit. I am also a VETERAN the VA should be held accountable if they wan na hold past issues. Medical should not be used to hold someone back against fixing their own credit
Consumer complaint received 2022-11-12
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: EQUIFAX, INC. (GA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ;
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Bread Financial Holdings, Inc. (NH)

several months ago i made a payment to pay off the balance on my XXXX XXXX credit card and have it closed. 
account number XXXX. 
the card is not used, and has not been used since. 
they never closed the card and the fee are up around XXXX now on a credit limit of XXXX. 
the company will not close the card, or reverse the charges and i have refused to give them any more money on an account that should have been closed and isn't used. 
i have gotten nowhere and my credit is being affected by this now. 
i don't know where else to turn. please help me
Consumer complaint received 2022-11-12
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. (GA)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am currently being billed by XXXX for the amount of {$970.00}. I had tried to book a trip on XX/XX/XXXX. When I used there website they said there was an error message and booking can not completed and try again. As of my current report the are billing me on XX/XX/XXXX for that price. I have spoken to XXXX XX/XX/XXXX to confirm that this didn't go thru and was an error. The customer rep said it was a cancelled charge and they would have it handled within XXXXXXXX XXXX  but that never happened. I had called them again XX/XX/XXXX named XXXX and she said the charges get dropped in 3 days and apologized for the other customer rep. I waited those 3 days and still nothing was fixed. I got worried and called again because I didn't want this to be effect on XX/XX/XXXX the reps name was XXXX and he said he can see the charge was cancelled but can take 7-10 days to see the update. Now on XX/XX/XXXX they are saying I owe XXXX which is being charged on my XXXX XXXX  card. I had called today and they were saying conflicting things and basically implying I owed this money when I don't. XXXX also expressed I call XXXX  which I did and they said to there knowledge XXXX took nothing off for there mistake.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: KEYCORP (ND)

A writ of garnishment was issued against mine, my moms, and my sisters accounts. I did not receive notification of the writ from the attorney or from KeyBank. They took all funds in all three accounts on XX/XX/24. Information was asked for and the case number and attorney 's number. The attorney was called on the morning of XX/XX/24 due to the fact the branch was closed for the day. The attorney agreed that they had the wrong person and issued a writ of release/quash of the garnishment. They faxed and mailed KeyBank the legal documentation on XX/XX/24. Nothing had changed by the morning of XX/XX/24 so the joint owner contacted the attorney they emailed the copy of the legal order which was emailed by the joint owner previously. The branch then faxed the legal documents at XXXX to their legal team and were told immediate action would be taken. At XXXX the XXXX XXXX  called the XXXX for the bank asking for verification that the received documentation and asking when it would be fixed. After being transferred around and on hold they were disconnected. When the XXXX XXXX  entered the branch around XXXX they asked the banker that had been attempting to assist since that Wednesday evening to help reach out to see if they could help get it fixed. After waiting for them to navigate the phone tree for about twentyish minutes, his XXXX said there was nothing they could do. The legal document was in their possession at the time that stated they were obligated to release the funds.
Consumer complaint received 2023-09-21
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. (IN)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2022-11-12
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: TD BANK US HOLDING COMPANY (FL)

I received an alert that a credit card was opened with XXXX/XXXX  and this does not belong to me. I did not open an account/card with this company. I disputed it through XXXX but the update came back " verified as accurate. '' This leads me to make this appeal to you. This is very concerning and confusing. Please help!
Consumer complaint received 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

EQUIFAX is falsely reporting on my credit a loan. I have no such loan and it is causing my credit harm to have this information on my account. I demand that it be removed from my report. No such agreement between exists between myself and XXXX. The CFPB also states that a retail installment contract is NOT A LOAN making this reporting false and misleading even if one did exist. I am in a title holding state in which if there was a lien holder, I would not have possession of my title. I am in possession of my title and it states it is free and clear of any liens. I also have signed contracts endorsed " without recourse '' in which XXXX recognized and overnighted my titles which was received XX/XX/XXXX. Any deal XXXX made with XXXX after my endorsement has nothing to do with me. UCC 3-415 " ( b ) If an indorsement states that it is made " without recourse '' or otherwise disclaims liability of the indorser, the indorser is not liable under subsection ( a ) to pay the instrument. '' -- EQUIFAX is civilly liable for the damages to my credit for reporting without the proper verification. 15 USC 1681n for willful non compliance should they continue to report but most certainly for negligent non compliance under 15 USC 1681o--
Consumer complaint received 2022-09-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp. (AR)

Pursuant to 15 usc 1692b TrueAccord is a 3rd-party debt collector they've stated I owe an alleged debt to XXXX. I've never done business with this company, but they are trying to acquire an alleged debt. 
I've never done business with neither company this alleged debt arise from. 
TrueAccord has repeatedly harassed me by email. I have 42 emails to be exact from this debt collector. 
Pursuant to 15 usc 1692f this is unfair unconscionable act this is also identity theft due to the fact that I've never done business with TrueAccord Pursuant to 15 usc 6802 XXXX has violated my rights by providing my personal information to TrueAccord Trueaccord is also in violation of 15 usc 1692c because I XXXX XXXX did not give TrueAccord my consent to communicate with me about alleged debt.
Consumer complaint received 2024-04-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (WA)

Commencing on or about XX/XX/2024, I fell victim to two multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ).
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX, closed my credit card account didnt disclose any information an sold my information to a third party.. I didnt give consent and also I sent a cease ab desist! Per 15 usc 1692 ( c ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-11-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-14
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. (AL)

This is not a DUPLICATE complaint and this not being filed by a Credit Repair company or a 3rd Party. 

In Accordance with the Fair Credit Reporting Act Convergent these accounts below have violated my rights according to 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 1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX XXXX Account # XXXX 5. Account Name : XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX  Account # XXXX