davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
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 (NY)

I have an auto loan with Bridgecrest. The vehicle was involved in an accident on XX/XX/year> and was declared a total loss on XX/XX/year>. Bridgecrest was notified by my insurance company of the total loss on XX/XX/year>. My Retail Installment Contract includes a XXXX XXXX which states : " In the event of theft or damage to the Vehicle resulting in a total loss, there may be a gap between the amount due under the terms of the Contract and the sum of the actual cash value of the Vehicle ( as defined in your insurance policy if it is in effect on the date of the loss ) and any unpaid amounts under the Contract that accrued prior to the date of the loss as a result of your failure to fulfill the obligations under the Contract ( the 'Gap Amount ' ). We hereby waive our ability to recover any Gap Amount in the event of theft or physical damage to the Vehicle that results in a total loss. You will not be liable for the Gap Amount, as described, in the event of a total loss due to theft or physical damage to the Vehicle. '' Bridgecrest received the payout from my insurance company on XX/XX/year>, which satisfied the terms of my contract in full. When I contacted Bridgecrest on XX/XX/year> requesting a Loan Satisfaction Letter, I was informed that I would need to wait an additional XXXX business days for the payment to clear. Since my next payment is due before the XXXX business day, I requested that payments be suspended and confirmation be provided in writing. Bridgecrest declined to provide written confirmation, stating that the phone line was being recorded and they were assuring me there would be no impact on my credit if autopay was turned off. They claimed that they could only provide " form letters '' and were not permitted to send personalized correspondences. 

According to the terms of my XXXX XXXX, all payments should have been suspended at the very least on the day Bridgecrest was notified of the total loss, XX/XX/year>. Refusing to suspend the payment and provide written confirmation constitutes an unfair and unreasonable business practice.
Consumer complaint received 2019-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC (GA)

As seen in the attachments I have emailed since XX/XX/XXXX or earlier, walked into the office several times before that, and called the collectors and IL offices more times than I can count in the past year or more! I have no clue about the XXXX usage, let alone any ongoing overpayment. Even up until XXXX you guys say I've been using link I HAVE PROVEN DENIAL LETTERS From XXXX to XXXX.I 've asked for proof of pin, some kind of dates vs payout vs my paycheck to atleast understand the amount owed. When I was in school I tried to get it & was denied, XXXX in XXXX I was under my grandma 's info/a minor XXXX XXXX XXXX and my benefits & I wasn't even close to working full-time plus I was in school! XXXX applied 3 times!! Denied and I faxed the letters as asked! Wasn't approved until I moved in XX/XX/XXXX ONLY FOR HEALTH CARE but declined myself because I moved BACK TO GA after XXXX let us all go due to bankruptcy. I have reached out over 89 times these emails aren't even a fraction of phone calls and letters ( I should had copied before I sent )! Every one says I Have the wrong department NO ONE HAS GIVEN ME CLEAR PROOF or attempted to help me understand. I was told if i thought it was fraud to report it, then the department told me you can't sue a deceased person because I'm sure you are just trying to get from me what my grandma or that address may owe. So I set up a freeze and fraud alert which to this day is in effect. I have been more than cooperative and you can clearly see how I was ignored and just brushed off due to assumptions! I have been denied credit cards, car loans, etc since this has hit my credit and since I've had to keep this freeze on my account until this issue was resolved. YOU XXXX act like I'm not trying I just want to understand I truly do not get this amount or where this came from!! You have logs of denied applications. Please just remove it. Idc about compensation just remove the XXXX made up XXXX   uncle Sam debt!!!
Consumer complaint received 2022-05-31
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 XXXX Account number XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

submitted a dispute with XXXX in XX/XX/XXXX, nothing has been resolved.. error continues to show in my credit report ... the error is : XXXX XXXX XXXX XXXX/XXXX XXXX. XXXX XXXX XXXX tx, XXXX amount {$740.00} that account was included in bankruptcy filing case : XXXX discharge date XX/XX/XXXX please help me correct the record thank you
Consumer complaint received 2020-06-09
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. (MO)

I recently obtained a copy of my credit report and it appears that XXXX  and Experian are not reporting any trade line history. Only XXXX  is reporting any credit history on my behalf. I have contacted both XXXX  and Experian and they can not find any identifying information on my behalf in their system. This is very concerning because there are fraudulently items being reported on my credit report by XXXX. I have attached a copy of my drivers license and social security card for reference. Please review my credit report and include credit history for both XXXX  and Experian.
Consumer complaint received 2019-12-28
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-06-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Affirm Holdings, Inc (NV)

I contacted a firm several times especially right after it happened and it keep running me in circles. I'm going to attach my correspondence from them. But I told them and I told the scaling for sales company that I did not authorize this transaction and yet they are not validating my word and let it go through and I told them that there was no product no service. It was a fraudulent work for pay scan that there's a whole XXXX. Thread dedicated to people from people who have been victimized by a firm cope card and scaling with sales.
Consumer complaint received 2023-01-16
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. (CA)

This is so XXXX & XXXX. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  : {$0.00}, XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  : {$0.00}, XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX  : {$10000.00}, XXXX XXXX Date XXXX : XX/XX/XXXX XXXX  : {$330.00}, and XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX  : {$5300.00}.
Consumer complaint received 2020-06-09
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. (MA)

I previously opened a dispute with XXXX XXXX regarding them showing that I was over 60 days late on two payments, one in XXXX of XXXX and XXXX in XXXX of XXXX. This was incorrect as I have proof that I paid on time both months. I submitted this proof in a dispute and it was deemed accurate and the late payments were removed from my account. The following month however, XXXX XXXX replaced the late payments again. They've done this twice. Every time I prove the payments weren't made late its temporarily removed and then they're allowed to simply put the late payments back on my report the following month. It just keeps reappearing despite having the late payments removed multiple times.
Consumer complaint received 2019-12-28
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-12-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I agreed to purchase tickets for a XXXX XXXX  XXXX hockey game from someone on XXXX. The scammer 's email on XXXX was XXXX. His " real '' email that he gave me was XXXX. The name used was XXXX XXXX. The cell phone number he used was XXXX. 
The price was agreed. I asked the person if they could send the tickets through XXXX XXXX on XXXX and they said they could. I asked if they had XXXX. They responded I could set one up and then I offered the use of XXXX and they agreed so I sent him {$370.00} and i received nothing in return. 
I called. My number was blocked on their end. They answered no messages from me. 
I called CapitalOne which is my bank and who processed the transaction on behalf of XXXX. They said they would investigate but I have to contact XXXX too. I called XXXX and a recorded message says if you use the app through a bank, call the bank. No offer of help or anything else.
Consumer complaint received 2023-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MS)

On XX/XX/2022 there was 2 fraudulent charges from txt verify for {$20.00} and {$40.00} totaling {$60.00}. I immediately contacted Chime ( XXXX Bank ) to dispute the transactions but was told to wait until the transaction posted. I informed them that the company name changed several times in my transaction history and I had screenshots of this. They denied my claim. I requested a copy of documentation that was used to show how they determined their decision but have yet to receive anything.
Consumer complaint received 2020-06-09
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. (MD)

ON OR ABOUT XXXX AND XX/XX/2020 I DISPUTED ITEMS ON MY CREDIT REPORT. EQUIFAX HAS FAILED TO INVESTIGATE AN UNVERIFIABLE, INCOMPLETE AND INCORRECT ITEM. MOREOVER THE HAVE FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE DISPUTED ITEM IN VIOLATION OF SECTION 609
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

On XXXX I called Experian credit reporting after I noticed an incorrect address in my file. They refused to remove the incorrect address. They said a creditor was reporting this address in which I never gave such information to this said creditor. 

I asked them to remove this false information and Experian would not comply and help me..So now I am contacting Your agency for help
Consumer complaint received 2019-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have filed two disputes with Transunion in XX/XX/XXXX and XX/XX/2019 because XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 mortgage payments shows ( No Info ) for ( XXXX XXXX XXXX ) my mortgage company.These payments were on time.My term is also showing ( no info ) which my loan is a 30 year term.Both filed disputes states that the company stated the information is accurate when they were completed by Transunion.Also the payment status on my report for this loan states ( no info ) and should sayCurrent.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. 

Don't close this complaint with a reason that I need to prove my identity because all necessary documents are all attached on the letters!
Consumer complaint received 2020-06-09
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. (PA)

I have two complaints surrounding CBRs and scoring. My phone number is XXXX. I am an industry veteran and I beg to have an audience with anyone that will listen. 

Complaint # 1 : I have paid every bill of mine on time for the last 24 months. I have recently lowered my credit utilization, yet my score drops 25 points. How can a random company have so much say over my financial future, while i am on time with all of my bills. The only thing I have done in the last 60 days was dispute several accounts, how does that lower my score?

Complaint # 2 : I have several debt collectors reporting that I was delinquent. They are doing this to be fair, they are doing this so they can use this as a weapon! I never got the positive reporting when the debt was current, why now then are they allowed to report it in the negative. This is not fair, and is an example of why UDAAP was created. it was crated to protect individuals like myself from unfair and deceptive practices! 

I am in the industry, collection agencies report to the credit report for one reason only, to use it as leverage! if the original creditor did not report the account, then the agency they sold the account to, or placed the account with should not be allowed to report it! If we are not going to get the good credit, it is not fair that we get the bad credit as well.
Consumer complaint received 2020-06-09
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. (CO)

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/chargeoff, as well as ( 120 ) days  late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and therefore there is no payment to be late on and no balance to collect/chargeoff. This false reporting of lates and a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2018-03-03
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. (CO)

We have had a continuing issue with XXXX XXXX XXXX XXXX posting payments on time. Latest issue was in XX/XX/XXXX. Payment was due on XX/XX/XXXX. On XX/XX/XXXX, I paid {$1500.00} ( considerably more than the amount due and enough to pay the entire card ) on-line via our XXXX XXXX bank account. XXXX XXXX records show they sent the {$1500.00} payment via paper check through US Mail on XX/XX/XXXX. I was disappointed that these two mega banks could not find a way to transfer funds electronicaly to each other, but thought all would be fine because we still had 4-5 days until payment was due. Should be enough time for mail delivery and posting, or so I thought. 

Unfortunately, XXXX XXXX did not post payment until XX/XX/XXXX, a full 18 calendar days after I sent funds on line through XXXX XXXX. Either XXXX XXXX did not truly send funds on XX/XX/XXXX, the check got held up in the mail, or XXXX XXXX was very slow in posting payment. In the meantime, XXXX XXXX sent an update to credit reporting agencies that we were 60 days past due on payment. My FICO score dropped 41 points overnight as a result. We are looking to re-fi our home mortgage, and this dropped my score below 700. Now the lender we were working with is no longer willing to give us best rates. 

In researching this issue with both XXXX and XXXX, we have learned that this has been a consistent issue for several months- payment takes up to three weeks to post ( I have dates from bank statements, confirmed by XXXX XXXX ). By the way, XXXX XXXX service has been terrific. XXXX not so much. My understanding is that XXXX has contacted XXXX to confirm to XXXX that they ( XXXX ) sent payment on XX/XX/XXXX. So, XXXX should be well aware that this is their error- not mine or XXXX XXXX . 

My complaint is that XXXX seems to have sloppy operations where it takes them up to two works or more to post payment after they have evidently received it. Their neglect should NOT have a negative impact to my credit rating. XXXX XXXX has been great. I have made mutiple calls to XXXX and they say their is nothing they can do, other than to look into it again which will take an additional 60-90 days. They have alrady looked into it and sent me confirmation that eveything they have reported is accurate. I have very little confidence that they even understand my complaint- THAT IT TAKES THEM TWO WEEKS+ TO POST PAYMENT. They seem to be stuck on their actual posting date, and say all is accurate because the posting date is what was sent to reporting agencies. They keep missing my point that the whole issue is that they have had a check in hand for two weeks and they have failed to post it. Not my fault they have XXXX operations, but my credit rating has seen considerable damage as a result of their sloppiness.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MIDFIRST BANK (OK)

On or about XX/XX/XXXX, Midfirst Bank on XXXX XXXX in XXXX  XXXX froze our checking and savings accounts for both deposits and withdrawals. All direct deposits were affected and rejected. It has been almost 3 months and nothing has been resolved. I have supplied XXXX emergency guardianship letters signed by Oklahoma XXXX XXXX in addition to Power of Attorney, that should have resolved this. There is over {$6000.00} in these accounts that need to be used to pay bills.