davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (TX)

I HAVE REQUESTED THE PAYMENT INFORMATION FROM BOTH PARTIES ON XX/XX/2022 XXXX AND XXXX & BRIDGECREST FOR ALLEDGE NEGATIVE PAYMENT HISTORY AND NEVER RECIEVED THE INFORMATION AFTER NUMEROUS REQUEST HOWEVER ITS WAY PAST 30 DAYS FROM LAST LETTER, SO SINCE THE INFORMATION HASN'T BEEN RECEIVED AND THY 'RE REPORTING CURRENT ON A CLOSED ACCOUNT THE DEBT NEED TO BE DELETED ASAP. 

ACCOUNT INFO. 
XXXX XXXX XXXX Account XXXX BRIDGECREST Account XXXX
Consumer complaint received 2022-04-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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 2020-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

On XXXX I had sent a letter to XXXX XXXX in regards to an account that was on my consumer file under my name. In this letter I was requesting that XXXX XXXX provide me with the alleged physical verification of the original signed contract between myself and their company. I received a response stating that my letter was unclear, and they did not know what I was asking for ( copies of all correspondences will be included in this complaint ). I then sent XXXX XXXX a letter on XXXX reiterating that I was requesting proof of an alleged account being reported to the Credit Bureaus in my name. XXXX XXXX had then responded to that letter stating that they have no way of validating the account as the application process was done online or over the phone. I have never applied for or obtained anything from this company, not in person, over the phone, online, not by fax, postal mail, NOTHING. 

On XXXX, XXXX AND on XXXX, I wrote to XXXX, XXXX  and Equifax as they have continued to verify this account as accurate. My question would be, how is are these bureaus verifying an account in my name, when the company has already sent me a letter stating that they are unable to verify this account. 

XXXX, XXXX, and Equifax continue to keep this inaccurate negative information on my credit report after being informed multiple times, WITH PROOF that this account needs to be removed.
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 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 2020-11-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

National credit system did not verify the debt according to the FCRA. There was no proof that this debt belongs to me and it should be deleted and removed. If not I will pursue legal action. You will also be fined {$1000.00} if you dont remove this inaccurate information. I did not authorize this at all!
Consumer complaint received 2021-05-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/21 at XXXX MST I attempted to make a mobile transfer from my checking account, using the Wells Fargo app " XXXX '', to my girlfriend so that she could pay some of her bills before they were due. The app failed to complete this transaction in a very disturbing manner ( see screenshot below ). The message read, in part, " Please don't resend the payment until you receive our email. We'll let you know if it could not be sent ''. First off, I NEVER received an email and second, when I called later that night to find out what happened to the transfer I was told by a Wells Fargo rep : " There was no evidence of a pending or declined transaction ''. This app is severely under-supported and the lack of QA in beta is abhorrent. Furthermore, as a result of this failed transaction and Wells Fargo 's faulty app " XXXX '' my girlfriend was met with late fees for not being able to pay the bills for which I was sending money. I will never send money ever again using this ridiculous app and someone at Wells Fargo needs to be made aware that their proprietary app " XXXX '' does NOT work.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

I have a late on my credit report from XX/XX/XXXX on a XXXX card when in fact that account was paid off in XX/XX/XXXX. I called company and they said that they are not reporting this because there is no late to report. However XXXX is reporting me late of XX/XX/XXXX on that account and I need this to be removed.
Consumer complaint received 2021-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blakely-Witt and Associates, Inc. (TX)

I submitted written notice to XXXX XXXX  XXXX XXXX, filed on XX/XX/XXXX of early move out. I was told that I must pay 85 % of rent until new tenant is found. I also paid all fees and final payments to them which they signed. I was notified via phone two months ( XXXX ) later that they found someone and my last 85 % payment would be XXXX. I did not know there was a collections on me until job background check was done on me in XX/XX/XXXX. I called the Apartment management office and they refused to talk to me and told be to talk to the collection agency to get details. I called Blakey-Witt and Assoc Inc, XXXXXXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) listed on the credit report. They told me I owed {$19000.00} and directed me to talk to the apartment management to get details. I tried to tell them I did not owe this amount and I would be happy to send them my lease termination notice and all receipts that I paid but they refused to accept it. 
As of today, it is now showing {$8800.00} in collections. I have filed dispute with XXXX  via XXXX but never received anything back from XXXX. Today ( XX/XX/XXXX ), I went through XXXX site and filed another dispute in hopes of getting it resolved.
Consumer complaint received 2021-02-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TD BANK US HOLDING COMPANY (NY)

I am writing today in regards to my account with XXXXD Auto Fin Account # XXXX. The reason for writing today is in regards to the late payment is which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2021-02-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: College Ave Student Loan Servicing, LLC (MA)

I recently refinanced and consolidated my loans from College AVE with another lender. The other lenders ' check to college ave was cleared on XX/XX/21 over two weeks ago and the payment has not posted to my account. College Ave denies receiving payment stating that my accounts are overdue. Customer Service has been very unhelpful and insists that I send a copy of the front and back of the check from the other lender before they contact another team to search for the payment. This is a lot of money to " lose '' on their end. I have requested to speak with a supervisor but was told that none were available even after I told them I was going to file this complaint. This is not the first issue I have had with this lender, it's just the final straw.
Consumer complaint received 2019-11-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OK)

I have a Bitcoin account on Coinbase.com ( under email XXXX ) with approximately {$190.00} of Bitcoin currency in it. I used this as a fun bit of speculation. I want to have the money back in hand in my bank account. Coinbase operates a system called a " Vault '' allowing you to store the Bitcoins in it, and require authorization to remove it. It requires a text message authorization, and to confirm emails from my main email ( above ) and a secondary email ( XXXX ). I have access to all these things, and yet, the approval email to withdraw my money under the secondary email never arrives. As such, any request to withdraw my money is canceled. My {$190.00} is effectively held hostage by Coinbase. 

I have contacted them numerous times, and no one helps. It is merely a standard " Here is how a Vault on our website works '' email. Their phone service also gives no way of resolving the problem or talking to a person. It is frustrating and deceitful. Please advise. 

All the best, XXXX XXXX
Consumer complaint received 2017-12-19
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION (NC)

BB & T has taken over {$15000.00} in overdraft and NSF fees due to them taking credits out of my account then processing debits then putting my credits back into the account minus the fees they charge. This is being done daily to my business account. I have screenshots of this activity and will be happy to share them with the appropriate people. I tried to talk to the local personal banker at my bank but he said " I should do a better job managing my account ''. I want the funds back that they have stolen from my company and for them to stop this illegal activity. I will seek legal action if this does not resolve the issue.
Consumer complaint received 2017-12-19
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

I first acquired a {$10000.00} loan from XXXX XXXX to attend a local school, at which time I was making payments at 9 % interest, {$80.00} per month, I was unable to find work in that industry as all of the prospective employers stated they would not hire anyone from that school which teaches same style to everyone, like a robot. I was offered deferrment for 5 years ending in XX/XX/XXXX, I took it. I then was offered forebearance there after, I never knew there was a plan for financially challenged individuals. The loan was then moved to XXXX in XX/XX/XXXX at that time interest accrued and compounded to {$30000.00} at the same 9 % interest as originated. I was offered again to place loans in forebearance, at one time during the next couple years I was about to default due to utilizing all of my forebearance allowed, it was explained to me, there was a program in XX/XX/XXXX that can get me out of default if I paid {$90.00} per month for 9 months, according to my gross income of {$2000.00} per month. I made payments for specified period, and my loan was placed back in good standing with credit bureaus. After that I was once again placed in forebearance to pay at that time {$370.00} per month as only resolution to my issue. In XX/XX/XXXX my loan was passed on to Navient, {$42000.00} at that time, as they contacted me I explained that I was only making {$1700.00} per month gross, once again the answer I was given was forbearance. My loan balance is now over {$60000.00}, over {$50000.00} is interest. Ive been in and out of XXXX since the economic downturn in XX/XX/XXXX. I get work when possible but still only make {$1700.00} per month gross, my latest forebearance that Navient just put me on without my knowledge, ends XX/XX/XXXX and payments of {$700.00} per month will resume for a total of 300 months. Im getting back on my feet and my credit is getting better, however, I will not be able to make {$700.00} per month payment and inevitably will go back into default and credit back down the tubes. Im just looking for a payment I can make I dont care if I pay the loan for the rest of my life. I dont know where to go for help, so I look for direction. Thank you for help in advance.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (IL)

I have this Citi credit card. And I've had it for many years. My credit score I receive every month from my XXXX card, and the latest score is XXXX. However Citi card is charging me 23.49 % interest on one of my balances with them. And 15.24 % on another balance. I was one day late on one of my monthly payments, during the pandemic, and they charged me a late fee. On my latest monthly payment, {$88.00}. is for interest, on my total balance of XXXX. How can they get away with charging that much interest? Especially during a pandemic. And I have a good credit score.
Consumer complaint received 2019-11-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (MI)

I logged into my online account to pay the balance due. I paid the balance due. When I logged in later, it stated I owed money. I called to inquire. The rep could not answer in a satisfactory manner. today,XX/XX/XXXX, I called again..after the run-a-round, I said how much do I owe to settle, she stated an amount higher than what balance owed said in account summary. A supervisor then explained it was for interest. How can I be charged interest when I paid the balance owed? Also, there should be some warning that the balance owed figure will not include interest and more money may be owed. It is misleading to the client. Almost fraudultent.
Consumer complaint received 2022-04-02
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. (IL)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 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 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-09-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$22000.00}, {$20000.00}, {$0.00}, {$0.00}, {$5700.00}, {$400.00}, {$500.00}, {$92.00}, {$710.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 6. XXXX XXXX XXXXXXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

7. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$500.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$92.00} -This is not my account. 

10. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$710.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.