davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (TX)

XX/XX/XXXX - XX/XX/XXXX overnight my vehicle was damaged in the hailstorm and I immediately contacted my insurance company and filed a claim the next morning XX/XX/XXXX. 
XX/XX/XXXX the insurance company representative came and inspected the vehicle and then, afterwards, on the same date made a settlement offer since the cost of repairs exceeded the value of the vehicle. 
XX/XX/XXXX I called Bridgecrest and asked the Bridgecrest employee for the payoff quote amount and the employee verbally said that the payoff quote amount is {$4300.00} and sent me the email with the same {$4300.00} payoff quote amount. The payoff quote period was from XX/XX/XXXX - XX/XX/XXXX. I forwarded the same email with the same payoff quote amount to the Insurance company and on XX/XX/XXXX the insurance company immediately sent the check # XXXX for the {$4300.00} payoff quote amount directly to Bridgecrest to their XXXX AZ address. Bri

dgecrest received the check and did not apply the check to my loan account in a timely manner. And they did not update the account with the payoff check and did not report the account as paid in full to the Credit Bureaus.

I called Bridgecrest and asked what happened to the check and why have they not applied the payoff check to my account ; I did not receive an explanation but they transferred me from one unhelpful employee to another unhelpful employee. And my issue was not resolved. 
Bridgecrest did not report the account as paid in full to the Credit Bureaus and they reported my loan account as late payment and delinquent. XX/XX/XXXX I filed disputes with XXXX ; and filed disputes with XXXX and XXXX and they did not conduct a proper investigation and they did not update my credit reports/files to remove the late payment, delinquency, any derogatory information from my report ; and, did not show the Bridgecrest account as being PAID IN FULL/SATISFACTORY.
Consumer complaint received 2018-09-09
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: EQUIFAX, INC. (LA)

thier are inquiries on my credit file i did not authorized, witch i believe is fraud due to equifax security breach. 1.XXXX XXXX XX/XX/2018 2. XXXX XXXX XX/XX/2018 3. XXXX XXXX- XXXX XX/XX/2018 4.XXXX XXXX XX/XX/2018
Consumer complaint received 2018-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

In XX/XX/2018 I performed a n {$18000.00} balance transfer to a promotional 0 % offer on my USAA credit cards. I spoke with a representative prior to confirm I could continue using the card for everyday spending, and that my payments would be applies as follows : minimum payment to fees, interest, and/or the balance transfer and that all payment in excess would be applied to the higher interest purchases. It was obvious very quickly that I was being charged interest every month on my new purchases, despite paying enough to cover the minimum payment an new purchases. I spoke with USAA again, it was possible it was because of the timing when I would make my payments. Over the next several months I tried various things and was always being charged interest. Finally, I decided not to spend any more on this card and only have the balance transfer on it. My new spending for the cycle ending XX/XX/XXXX on XX/XX/XXXX was {$3300.00} and my balance transfer balance balance was {$13000.00}. XX/XX/XXXX I paid {$3500.00}, and on XX/XX/XXXX I paid {$1000.00}. On my XX/XX/XXXX statement my Balance transfer balance is now only {$100000.00}. This means of my {$4500.00} XXXX payments roughly {$2400.00} was paid on my balance transfer at 0 percent interest. The application of my payments has not followed any prescribed formula that they told me, and also violates the rules set forth in the CARD Act regarding applying payments to the highest rate balance first. I have asked the company repeatedly to address this, they will not.
Consumer complaint received 2018-09-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (MA)

I was shocked when I reviewed my credit report and found late payments on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, and I've talked to several BMW financial representatives where they mentioned that they've received the automatic payment from me month over month, but apparently there were extra charges that I was not made aware of excise taxes that was not calculated correctly. For my understanding, when I signed the contract for monthly payment, the F & I at the dealership made me believe that the monthly payment included the extra fees and excise taxes. Plus there are several inaccuracies with the credit bureaus. How is it possible that one credit agency is reporting no late that specific month and other shown error. Please update all those late payments to show on-time never late.
Consumer complaint received 2022-07-10
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: Conn's, Inc. (CT)

Someone ran my credit today, XX/XX/2022 from a different state for appliances. I DID NOT apply for credit anywhere today! Especially in Texas. I'm getting the run around from the company- Conn 's Appliances in Texas XXXX This is a " buy here pay here appliance store. First they said their systems are down and to call in a few days. I called back and the transferred me to their Fraud department- I was immediately disconnect. I call back, they sent me to the fraud dept again and the phone rang for 3 straight minutes with no answer, no voicemail etc.
Consumer complaint received 2019-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (PA)

On 3 occasions Citibank has submitted a exorbitant and unapproved payment which has caused my bank account to go into negative an incur fees. This was supposed to have been resolved last month, but has happened again. When reported to customer service, the credit card company at first failed to take responsibility. At first they tried to blame my bank, then they tried to blame me, then they tried to give me minimal compensation even after admitting their fault. Only after persistent calling and finally escalating to an account manager did Citibank take responsibility and compensate me for incurred fees. 

The problem has arisen again, and again Citibank is failing to take responsibility. 

Dates : On XX/XX/2019 my bank account was charged {$8800.00} by an ACH process triggered by Citibank. I contacted customer support immediately, and was told it wasn't on their side. My bank returned reversed the ACH and charged me a fee. 

On XX/XX/2019 and XX/XX/2019 the same amount was charged and was reversed the following days by my bank. I had to state my case multiple times and argue with multiple customer service agents. I was offered less than the fees charged, but was finally compensated on XX/XX/2019 of the full amount of fees which was {$100.00}. 

On XX/XX/2019 the amount of {$8500.00} was charged to my bank. I contacted customer support who again did not take responsibility for an unauthorized payment. 

Citibank also fraudulently affected my credit score by misrepresenting my balance ( most of which is in dispute and should not have been posted until the dispute was resolved ).
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I have a few addresses on my credit report that are not mailable addresses of mine. I do not recognize them and could be possible use of fraud. Please remove these addresses to protect my identity. I also would like my name updated as my identity gets confused with my father and son who all share a version of my name. 

Per 15 U.S. Code 1681e - Compliance procedures ( B ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To enforce my rights, I request Under 15 U.S. Code 6805 Enforcement- subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.
Consumer complaint received 2018-09-09
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. (NH)

In my opinion XXXX Credit Cards have a flawed system of taking payments because for what seems like 5 seperate times over the course of a decade i have called in to their phone line and asked how much i should pay for the credit card bill to get the card down to XXXX   including all interest and for some reason they can never tell me the exact amount including the interest for the prior month so what happens is that i get a late hit on my credit score thinking that the account is paid in full when in fact theres an extra {$11.00} payment that needed to be made for the interest the month before. i think this is the fault of the people on the phone not understanding what i was asking for therefore they gave me wrong information.. and im talking 5 x in the past decade. I now have damaged credit because of the way that XXXX  takes payments and charges interest. it is misleading especaially when calling their credit facility phone number only to get wrong information. Now i cant buy a house because my credit is so poor because of all of the XXXX  late hits.
Consumer complaint received 2018-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

In my opinion XXXX Credit Cards have a flawed system of taking payments because for what seems like 5 seperate times over the course of a decade i have called in to their phone line and asked how much i should pay for the credit card bill to get the card down to XXXX   including all interest and for some reason they can never tell me the exact amount including the interest for the prior month so what happens is that i get a late hit on my credit score thinking that the account is paid in full when in fact theres an extra {$11.00} payment that needed to be made for the interest the month before. i think this is the fault of the people on the phone not understanding what i was asking for therefore they gave me wrong information.. and im talking 5 x in the past decade. I now have damaged credit because of the way that XXXX  takes payments and charges interest. it is misleading especaially when calling their credit facility phone number only to get wrong information. Now i cant buy a house because my credit is so poor because of all of the XXXX late hits.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

MY INFORMATION WAS LOST DURING MY TAXPREPARER RELOCATING. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I HAVE NOT AUTHORIZED. I CALLED AND MAILED LETTERS TO EACH BUREAU NOTIFYING THEM OF THE FRAUDULENT ACCOUNTS WITH NO FORMAL RESPONSE. 

I HAVE NOT GIVEN WRITTEN CONSENT FOR ANY OF THIS INFORMATION TO BE FURNISHED TO MY ACCOUNT WHICH IS IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS DUE TO IDENTITY THEFT IS ALSO IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2019-05-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

Back in 2018, I disputed this account directly with Portfolio Recovery Associates ( PRA ) and requested validation of this debt. Once I received validation and verified  this was a legitimate account, I made payment arrangements with their office to pay this account in full by making monthly payments. On my credit report, this account is reported as " Dispute resolved ; customer disagrees ''. I never once relayed to PRA that I disagreed with the final outcome of the dispute. I obviously did not disagree because I made payment arrangements and continue to make monthly payments.
Consumer complaint received 2018-08-22
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 (CT)

I submitted a fraud claim with Bank of America shortly after I noticed a large charge at a supermarket I dont go to as well as charges in XXXX including withdrawal at an ATM. I recently had received a new debit card from them as my other was about to expire. I notified the bank employee that I had one of of my debit cards, but the other was missing. I was also confused as to how someone could use my card at an ATM as I dont keep my Pin anywhere on me, and the employee informed me that information is stolen all of the time. Claim was filed on XX/XX/XXXX18 and I received a temporary credit which totaled around {$450.00} for the fraudulent charges. I received a call on XX/XX/XXXX18 about my claim. I called back the next day and was told my claim was denied because it didnt follow a fraud pattern. Also told that on XX/XX/XXXX18 the credits would be reversed. I would have to mail a letter to get them to re look at the claim. By that time I will be out all of the money again which I can not afford as a student. For a company that says they offer 0 liability and as someone who reported the fraud as soon as I noticed it, I am astounded that they denied the claim for such reasons and I would have to re file a claim in order to try and get my funds back. That would be another month process and again, I would still be out my money. After doing some research I have found many people where the same issue has occurred with this bank.
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MS)

A loan company tried to pull my Equifax credit report and was unable to. When I contacted Equifax on today, I was told there was no record associated with my social or previous address. And I was told the only thing I could do was make sure my creditors are reporting my info to them. I have credit history dating back to 2001. I can't apply for more credit until this is resolved.
Consumer complaint received 2018-09-10
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. (OK)

On or about XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX for {$17000.00}, financed through XXXX XXXX. The car was repossessed on or about XX/XX/XXXX. 

I mailed a letter to XXXX and XXXX XXXX disputing the full amount of the vehicle XXXX is requesting me to pay, since the vehicle has been sold, I should not owe the full amount. After the vehicle was repossessed, I did not receive any notices. 

1 ) Notices should have states that they have the car in their possession and that the car will be sold to recover the amount owed ( this is called the Notice of Sale, which I did not receive. ) This notice should have been sent to me within ten days of their possession of the vehicle. Since they did not provide me with this information they can be barred from collecting on a deficiency judgment. 
2 ) After the vehicle was sold the lender then is required to send me a second notice, stating the amount that they credited me from the resale, as well as a cancellation notice of the original sales contract.

Additionally, there were GAP Insurance and service contract on the vehicle into the original purchase, these amounts should have been deducted from the amount that the XXXX states I own.
Consumer complaint received 2018-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

I had never received information on how to resolve paying off these debts, from GE capital retail bank. They placed 2 deragatory remarks on my credit report the for the card started on the same day ( Opened XX/XX/2014 ) They placed a double negative in order to pressure me on this. Very unethical pinning me into bad credit. 

This has greatly destroyed my credit not allowing me to get a car or anything in life. 

I had trouble paying for this card as a student and ran into financial difficulties.
Consumer complaint received 2018-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disputed a delinquency reported by XXXX to all three credit bureaus. 
XXXX corrected the delinquency with all three bureaus. However, TransUnion is now showing the inaccurate delinquency again on their report. TransUnion corrected the information on XX/XX/18 on my report, and I have a TransUnion Dispute Results report that shows the correct account status from their investigation dated XX/XX/18. On XX/XX/18 the status reverted back to the original delinquency. I called XXXX and they stated that no new data has been reported to TransUnion since they corrected the status in XXXX and the account is closed. I called TransUnion and they told me I need to file another dispute and claimed that XXXX reported the account delinquent again. TransUnion is the only bureau that is showing the incorrect info again and refuses to consider they made an error. This has put a hold on my real estate transaction and is costing me {$2500.00} per month in rental income.
Consumer complaint received 2019-05-06
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 have disputed this account with Equifax and XXXX XXXX and I have filed a complaint with your bureau. No one has investigated my claim. I even went as far as filing a XXXX complaint and still each entity set in place to protect me as a consumer has failed so I am trying one last time since I now have proof of this companies erroneous claims of an unpaid debt and obvious inaccuracies. I communicated via email with XXXX XXXX XXXX XXXX as instructed by whomever responded to the XXXX complaint and they sent me a spread sheet of payment history with their company. If you care to pay attention to the spread sheet it shows months on non payment however notations of re connection of service. How can a gas company provide me with service AND reconnect service without me paying for months on end? That just is not possible. I have attached the XXXX spreadsheet and a screen shot of the email communication confirming that the payments left blank is indeed what the company shows. Again i'm asking that this collection be removed because there's just no logic to their claim. I as the consumer should not be held responsible for a {$13000.00} collection from XXXX XXXX when its clearly an error on the gas companies behalf. They are refusing to admit fault and recognize that this does not make sense.
Consumer complaint received 2018-08-22
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. (IL)

I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Equifax several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. These accounts does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and i never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX & XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX all have a {$0.00} balance. As well as the incorrect address of XXXX XXXX XXXX, XXXX, MS XXXX I have never lived at this address. I have have been a resident of Illinois for over 15 years. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Consumer complaint received 2018-09-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivable Management Group, Inc. (GA) (FL)

Auto accident XX/XX/XXXX. I was under a letter of Protection with my attorney for all accounts associated with an not at fault auto accident. Interallad imaging got letters as well as telephone correspondence ( recorded times and dates ) but yet sold the debt to a collection company XX/XX/XXXX. 

Debt was unlawfully sold to collection company. * we didnt know this at the time Settlement offer was in XX/XX/XXXX. Called XXXX and they referred us to collection company. Collection company agreed on XX/XX/XXXX to take settlement of {$400.00}. 

Attorney Sent Check. Twice. 

Now collection company is saying balance is {$780.00}. I Have requested tape conversation on XX/XX/XXXX. Have not heard anything back. 

Collection company still has not taken the debt off my credit profile and is in violation of Fair Credit Reporting Act.