davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CCF Intermediate Holdings LLC (TX)

Numerous Credit inquires against my credit in last few days that i did NOT make ; 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 2023-10-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation (TX)

Fraudulent and Unlawful Practices made by Bridgecrest. On XX/XX/2023 assumed account status was confirmed by multiple Bridgecrest agents that account in question in now Paid in Full and Closed. On XX/XX/2023 it was noticed by me that this account was re-opened by Bridgecrest without any prior knowledge or consent given by me. I immediately contacted Bridgecrest regarding this issue and was told by another agent that account was considered Closed as Paid in Full but has manually been re-opened. I responded to agent that this was done without my consent knowing that prior debt has been considered discharged and to immediately close this account as Paid in Full. The next day XX/XX/2023 the account in question was Closed again. In a Breidgecrest response letter dated XX/XX/2023 I observed in the transaction list provided that transactions were showing Manually altered post dates of recent transactions made on XX/XX/2023 which resulted in Fraudulent Acts made by Bridgecrest. In addition to Fradulent Acts I was notified via CRAs that Bridgecrest attempted to verify a dispute knowingly having knowledge of account being discharged prior and also aware that car has been Sold on XX/XX/2023
Consumer complaint received 2023-03-02
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: EQUIFAX, INC. (AZ)

I have submitted multiple disputes, letters, and complaints. I have requested that inquiries, names and addresses be investigated. I am aware of my responsibilities to reach out to companies, which I have multiple times, but as a reporting agency it is your responsibility to report accurate information. My identity has been, and might still be at risk. Please complete an investigation into these concerning errors, and by not doing so you are in violation of my rights, according to FTC. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

" The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( XXXX, XXXX XXXX, and Equifax ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. See 1681a. ''
Consumer complaint received 2023-01-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Credit Services Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account First Credit Services, has violated my rights. 
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 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 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 2023-02-28
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: EQUIFAX, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late 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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-28
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. (TX)

XXXX XXXX XXXX XXXX is reporting inaccurate late payments on my reports that I have been disputing for quite a while now. I have sent multiple disputes to each credit bureau regarding this account because they are reporting very inconsistently. There are inconsistent late payments reporting for XXXX, XXXX and XXXX of XXXX. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. There also different last active and payment dates reporting for this account between each bureau. If each bureau receives their information from the same place, how are they all reporting very different information? It is the responsibility of the consumer reporting agencies to verify and report accurate information which they have clearly failed to do and are in violation of the law. I am requesting that these inaccurate late payments be deleted from my reports now!
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

There is wrong information appear in my report. I demand to see verifiable proof of the accounts you listed  XXXX   XXXX  CT NJ  XXXX  -  XXXX   XXXX  Account #  XXXX    XXXX   XXXX   #  XXXX  ''  XXXX   XXXX   XXXX  Account #  XXXX    XXXX    Account #  XXXX  ''
Consumer complaint received 2017-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (NC)

XXXX  all information sent in response to this complaint I filed are the same lies and fraud. I never requested this account s  XXXX , XXXX , XXXX , XXXX . the   letters I sent signed by  XXXX   XXXX , and  XXXX   XXXX   same executive  Office as this person   XXXX   XXXX   for example account ending on  XXXX  only had 5 day statement and all those charges show that there were phune payment and online reversals on the statement of card ending on  XXXX  that was never created by me. An in addition they show balances transfers. this balance transfer of {$8500.00} you stated to the  XXXX  checking acct. All thi sthings are lies and made up by this individual. You have copies of all letters from   XXXX   XXXX  ,   XXXX   XXXX   and stmnts. i would like to go to court agauinst wells fargo and want this person  XXXX   XXXX  fired or go to jail for his lies.Finally, i pull all my credit reprots and there were no credit inquires at all in those dates they mentioned and I pull my phone calls and none was done as well in those dates. Finally, I never stated that my family member was auhtorized or who did all this. in addiotn spoke with an individual in  XXXX   XXXX   and the re was an individual from wellsfargo in  XXXX  coprorated office ands h ewas the one who transfred this information to th eindividual in   XXXX   XXXX   who state dthis person said that is was my stenson and I dont hav eany stepson at all. Been married 29 years an dno kids with my wife. All this application copy they sent is another lie It show a maiden name  XXXX .   I would like to have everyone involved in all this wells fargo fraud/lies and we can got to court and take lie detesto r teste a nd would to file a law suit asap. They have damaged my credit and I have been with wellsfargo over 12 years never had problems until now and that is why they got charged over  XXXX  millions and they are going to get charged more. I addition I even sent everything to there midiation as they wanted to no avai. EVERYTHING THEY HAVE RESPONDED ARE ALL LIES AND ALL YOU NEED TO PULL IS THEY LETTERS FROM THE DIFERENCE PERSONS SAME  EXE OFFIC E.
Consumer complaint received 2021-12-29
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. (KS)

There is a XXXX XXXXXXXX account on all three of my credit report. On my XXXX it says I have a late payment on XX/XX/2018. On my transunion and XXXX credit report it says i have a late payment in XX/XX/2018. 
Each credit bureau is reporting different information that is not valid.
Consumer complaint received 2019-12-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

home to XXXX of XXXX I was XXXX  and put in federal XXXX  at that time I had a checking and savings account with a balance on each I don't remember what it was with Bank of America during the next over two years the social security direct deposit in my account total of over XXXX my beginning and ending about my beginning balance and the interest when I got out of XXXX   in XXXX I should have had approximately {$40000.00} when I got out they notified me that I owe them {$510.00} I found a complaint with y'all about this and I'm not satisfied with your response they did not send me all of the itemized off of my account they didn't send me a year 's worth from XXXX until XXXX when they closed it but they didn't send me the last year automatic accounts of a fraud the bank fraud and forgery and other wire fraud mail fraud that took place in my account that they allowed during that time frame and they will not send me any canceled checks they knew that the checks were forged because my signature was not on the check somebody else for them they're six different individual names that I have now listed in a criminal investigation the FBI may be looking into it I don't know eventually it will probably be turned over to the FBI now if they don't have that information they knew from XXXX when I call them from XXXX federal XXXX  that something criminal was going on in my account and if they destroyed anything they destroyed evidence in a criminal investigation and at the same time they will not cooperate with me at all on keep giving me the run-around now I will put this in the media there are different media sources XXXX and some others that want to interview me about this and if they there may be hundreds of thousands of people withdrawing and closing your account with Bank of America
Consumer complaint received 2017-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BB&T CORPORATION (FL)

After having a substantial relationship with  BB & T B ank, I got a notice they have decided to close my account and gave me no reason whatsoever. I had  XXXX  issue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I am willing to pay the balances but ca n't even find where to pay them.. Please let me do this and maintain my relationship. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
Consumer complaint received 2023-10-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (NC)

I received a text from someone with a Crypto currency opportunity. It started with XXXX, we kept making money where the balance go up to XXXX. When i tried to withdraw, i was told I had pay a fee to make sure that this was not money laundering. we did. Then, i was told that i needed to pay XXXX in tax before I could withdrawal which i know that is incorrect. Tax is taken out of the proceeds. Once i disputed that, they froze my account and said that they would fine 5 % a day until the tax issue was resolved. Then, proceeded to tell me that if i didnt pay, i would forfeit all my money and it would be donated to the XXXX XXXX XXXX to be used for medical and vaccine reseach... .. which they also can not do. 

I have filed with the FTC report number XXXX and with the Federal Bureau of Investigation 's My total investment is approximately, XXXX. Right now, i would settle to just get that back and they can keep the profit... if offered that and was told no. 

Can you please help me? 
XXXX XXXX
Consumer complaint received 2023-10-10
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (AL)

Transworld Systems Inc sent me a debt collection letter, I then requested debt validation and have yet to receive anything. Until today I received letter asking for payment. I requested debt validation because my identity was stolen. I have had to complete several identity theft reports when debt shows up at my now and has been current address for the past 4 years. Now this one included. This debt does not belong to me.
Consumer complaint received 2022-11-12
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX  XXXX, shown as XXXX  XXXX # XXXX, TD/Target # XXXX, XXXXXXXX XXXX Financial, shown as XXXX # XXXX XXXX XXXX XXXX XXXX as XXXX # XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, And XXXX # XXXX has violated my rights. 

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 : Also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Hello, In regards to my Credit Report with Equifax, I am submitting information again to dispute a charge of : {$150.00} from :   XXXX   XXXX   XXXX   .,  which was opened on :  XXXX   XXXX ,  2013 .   I am again disputing that I do not owe this debt.   The  CRA ( Equifax ) co ntinues to list this debt as valid, and has not shown such proof that it belongs to me, other than the word of the collection agency - they themselves can not show just cause as to this being a valid debt belonging to me.   Therefore, I am requesting that this entry be IMMEDIATELY REMOVED from my credit report.   This matter will again, be sent to the location AG 's office, where both companies reside and conduct business for resolution.     Thank you,  XXXX   XXXX
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WHEELS FINANCIAL GROUP, LLC. (AZ)

I took out a title loan XX/XX/XXXX. I paid on it for about a yr {$200.00} biweekly, then my financial situation changed. The original amout was $ XXXX and after there check cashing fee I received {$1800.00}. 
The rate in my opinion was usary over 150 %. I made a few payment arrangements but ultimately could not afford to pay any longer. They agreed to sell the vehicle and settle the account for auction proceeds. At that time they had reduced it to {$1500.00} - I agreed to this and voluntarily surrendered the vehicle- which they sold at auction. It should report as settled for less or paid in full. Either way it is reporting incorrectly and I am getting harrassing letters and unable to obtain desirerable credit terms do to this reporting a very large balance ( {$8500.00} ) that continues to grow. This is predatory for sure. I have disputed this several times with the credit bureau and the company. this was a XXXX XXXX XXXX XXXX ( which would easily retail for $ XXXX at the time ). the agreement was that they would settle for auction proceeds. Even so, the sale of this vehicle would have easily covered any remaining balance. They claimed a deficiency balance and continue to charge absobant rates even though I no longer have the vehicle and they successfully sold it at auction. I am requesting that they either remove the item from my credit or report it as settled. I would think it not customary to pursue deficiency ballances that are absorbant and nothing near the original balance- this is hurting my credit and continues to cause me problems when applying for transportation or housing. Please intervene and have them report this as {$0.00} balance and settled or remove it completely - I appreciate your help in this matter as they are bullying me for monies that are simply not due. The companies name is : XXXX XXXX, XXXX XXXX Way XXXX, XXXX XXXX CA XXXX. XXXX I will provide you with any info necesary in getting this resolved - Thank You
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (NY)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative entries on my credit report that I believe are in violation of the Fair Credit Reporting Act. The following accounts have been reported as charged off, late payment or collection accounts : XXXX XXXX charge off account XXXX XXXXXXXX XXXX off account XXXX XXXXXXXX late payment account XXXX XXXX XXXXXXXX charge off account XXXX  XXXX charge off account XXXX XXXXXXXX charge off account XXXX XXXX  XXXX collection account XXXX XXXXXXXX XXXX XXXXXXXX collection account XXXX XXXXXXXX collection account I believe that these entries are inaccurate and unfair, and I request that they be removed from my credit report immediately. I have made every effort to pay my debts on time and maintain a good credit score, but I have been faced with unexpected financial difficulties that have impacted my ability to make payments on these accounts. 

I understand that it is the responsibility of the credit reporting agencies to ensure the accuracy of the information they report, and I ask that they do so in this case. I also remind you that under the Fair Credit Reporting Act, consumers have the right to dispute inaccurate information on their credit reports, and to have that information corrected or removed. 

I respectfully request that you investigate the accuracy of the negative entries on my credit report and remove any items that are inaccurate or in violation of the law. If you find that any of the entries are indeed inaccurate or unfair, please remove them from my credit report immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-11-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act XXXX  XXXX, shown as XXXX  XXXX # XXXX, XXXX # XXXX, XXXX XXXX  Financial, shown as XXXX # XXXX XXXX XXXX XXXX XXXX as XXXX # XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, And XXXX  # XXXX has violated my rights. 

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 : Also states a consumer reporting agency can not furnish a account without my written instructions