davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (CA)

This automobile was repossessed in 2018. Bridgecrest never sent me a cancellation of the debt. Bridgecrest never sent me the sale amount for the automobile. Due to GAP insurance being paid for and provided for by me, for the automobile, Bridgecrest was fully enriched for the total value of the vehicle from the insurance company. Bridgecrest filed a 1099-A and/or 1099-C in regards to this automobile to the Internal Revenue Service, providing evidence of acquisition/abandonment of the automobile and/or cancellation of the debt, attached to the automobile. Thus, this debt is alleged, fraudulent, and/or, already paid in full to Bridgecrest. Bridgecrest is seeking to be unduly and overly enriched by continuing to report this as a debt owed to them and continues to unlawfully report this account to all three nationally recognized credit bureaus ( XXXX, XXXX, and XXXX ) as a negative account with active owed balance, to them.
Consumer complaint received 2021-08-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc. (PA)

Yes XXXX XXXX has been trying to make me pay a debt I was already in contact with XXXX  they did not comply with them with what was said to be done for a resolution the account is suppose to be paid of by them upon there error and they are still making the same mistakes hopefully you can get them to settle this account on their own accountance and error
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA (WA)

this complaint is in regards to " First National Bank of Omaha '' with whom I have had a Visa card for many years. 

I called them today, XX/XX/2021, at XXXX Pacific Time, and spoke with a representative named XXXX. The length of the call was 8 minutes and 43 seconds. 

The reason I called, was to contest a charge of {$95.00} from an online merchant called XXXX who corresponds using the email address XXXX The order was completed on XX/XX/XXXX and they emailed to say they would update me with tracking codes once the order was shipped. 

I emailed them on XX/XX/XXXX and asked for the shipping codes, they sent me the following codes claiming they are USPS tracking numbers : XXXX XXXX USPS is unable to provide any tracking information using those tracking numbers. 

I contacted them again on XX/XX/XXXX, saying I think they made up those tracking numbers, they replied with links that show the items are in the country now. 

I let them know I do not need them in the country, I need them in my mail box, and they have yet to respond or offer a refund. 

I contacted 1st National Bank of Omaha to contest the charge, and at the beginning of the phone call, the rep asked me to verify my full date of birth and the last 4 digits of my Social Security number, which I did. 

She then stated she COULD NOT HELP ME CONTEST THE CHARGE without her sending a code via text message, to a phone number that I have not had for 10 years. 

When I asked her to then CANCEL MY CREDIT CARD account she was not able to do that either. 

Thank you for your assistance, I would like {$95.00} refund check from 1st National Bank and then I would like that account CANCELLED.
Consumer complaint received 2023-02-05
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. (FL)

In accordance with the Fair Credit Reporting act, 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 I don't recognize XXXX XXXX XXXX which shows on my account as a Collection. I will like to request an original loan agreement I signed with XXXX XXXX XXXX showing the following 1, my signature and that of summit account resolution as proof I borrowed money from them because I don't recall borrowing money from them 2, amount borrowed and payment history 3, proof they are legalized to collect debt in the state of Florida. if this can't be provided then I request the collection be taking off my account or I will take legal actions
Consumer complaint received 2021-04-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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. 


Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX : {$990.00}
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$220.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX : {$990.00}
Consumer complaint received 2023-01-26
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. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$160.00} XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX  XXXX Balance : {$400.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-01-26
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. (LA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2018-04-04
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. (SC)

Equifax is reporting an old Inquiry from XXXX XXXX dated XX/XX/2016 that is beyond the two year required length of time for it to remain on the report. I attempted to contact Equifax directly but they keep responding stating " Please be advised that inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor directly. " How do they know that the inquiry is indeed factual? The law is very clear on this matter, the information must be verified. It can't be shrugged off, they have to investigate the matter.
Consumer complaint received 2022-09-15
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (TX)

On XX/XX/XXXX, I was approved for a VA Loan Modification with XXXX XXXXXXXX. I honored each step of the VA Loan Modification. I successfully paid each Trial Period Payments. On XX/XX/XXXX, I signed a Loan Modification Agreement between XXXX XXXX XXXX ( lender ) and myself. In the agreement it states as of XX/XX/XXXX, that borrower ( XXXX XXXX ) agrees to pay {$260000.00}, the interest will be 3.625 % beginning XXXX of XXXX. This is to remain in effect until XX/XX/XXXX of XXXX. ( Please see enclosed documents ). On XX/XX/XXXX, XXXX XXXXXXXX sent a letter of Notice of Mortgage Serving Transfer ( attached documents enclosed ). Then a second letter from BSI financial on XX/XX/XXXX of XXXX. 
I understand under Federal Law that the contractual agreement between XXXX XXXX XXXX and myself is supposed to be honored by BSI Financial. Please provide an explanation as to why my interest rate continues to be 5.75 % instead of 3.625 %. Why my payment is {$2200.00} instead of {$1900.00} per the original agreement between XXXX XXXX I understand under RESPA, Fair Credit Reporting Act and the Consumer Financial Protection Bureau, that failing to convert a trial modification into a permanent modification and failing to honor a modification agreement after a servicing transfer is a violation of law. Please explain why BSI has failed to honor the contractual loan modification established between XXXX XXXX. Under federal law, if a complete loss mitigation application is pending at the time of a servicing transfer but hasn't been evaluated, the new servicer has to review the application within 30 days of the transfer date. BSI did not review my loan modification in 30 days or less. According to the Federal law BSI is supposed to review the modification under the guidelines of XXXX XXXX not BSI, please explain why BSI failed to honor this guideline according to the Federal Laws in place? I received my first notice about loss mitigation dated XX/XX/XXXX of XXXX, from XXXX XXXX. Please explain the exceeds the 30 days according to the Federal law, please explain. Also, a servicing transfer shouldn't affect a borrower 's ability to accept or reject a loss mitigation option offered by the prior servicer. If a new servicer comes into the picture and the time frame for accepting or rejecting a loss mitigation option offered by the old servicer hasn't expired as of the transfer date, the new servicer must allow the borrower to accept or reject the offer during the unexpired balance of the applicable time period. Please see the enclosed document, why is my loan modification contract not been honored by BSI Financial according to the federal law ( s )? Please refer to CFPB XXXX Mortgage transfer disclosures. 

BSI Financial why are you not honoring the agreement established between XXXX XXXX and I ( XXXX XXXX )? 
BSI Financial do you agree I had that loan modification with XXXX XXXX
Consumer complaint received 2021-04-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: TMX Finance LLC (ME)

I logged onto their site to see that the payoff amount is {$280.00}. I've made payments every two weeks since XX/XX/2021 of {$57.00}. However, I received an email stating that my balance was " past due '' and that they are taking out another {$57.00} on XX/XX/XXXX. I found that strange so I logged in and it states that, despite having already paid {$280.00} so far, I somehow owe {$210.00}. I have no idea where this continued charge is coming from as they actually owe me at this point. The pay-off amount clearly states {$280.00}. They're also currently closed and that is the only way I can have my account information removed from their system. It seems that they wish to continually charge me indefinitely and they have no means to change or remove bank account information online, only via phone. it seems extremely unethical and just plain bad business.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PNC Bank N.A. (NC)

On XX/XX/XXXX my partner and I went into XXXX XXXX and purchased a used car. They let us leave with it. I started calling XXXX about a week later asking about the tags, heard nothing back. Started calling and messaging two weeks later and they said the loan might now have gone through yet didnt give an option to bring the car back. I was asking for answers and explanations. Then on XX/XX/XXXX I went up to the XXXX dealership, again not offering any solution other than telling me that I had to sign the contracts alone because of my co-signer. This was almost a month apart due to credit and the loan. I even had mentioned bringing the car back and that was skipped over as if it wasnt a possibility. Circumstances have changed and I can not solely afford the car by myself and my partner and I split up. I have called the back, PNC, multiple times explaining the situation and asking for a loan extension or some sort of reprieve. I was originally supposed to be signing for my credit and my partner was the one providing pay stubs and pay for it. The bank has refused to work with me after wanting to speak to a manger I was told it could take up to theee days just to get a callback. I am appalled at how both companies have conducted themselves and the more I look for answers to keep my credit in tact and figure this out, the deeper in the hole I go with no solution of how to get out.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (CA)

Navient student loan delinquency mark requested be removed due to rehabilitation and not my personal-direct loan. 
30 days ago launch my status to control my credit reports and errors on my credit reports from XXXX, XXXX XXXX, and XXXX. Directly filed complaint reports with credit reporting Agencies to contest in most cases 3-5 items listed. Primarily, the outdated and incompleted report from Navient. The Credit report agency agreed to remove most but not the Navient delinquency report. They indicated that this must be done by Navient. 
I filed a complaint with Navient to have transgression removed. I base my dispute to facts that the Loan XXXX XXXX XXXX was sons loan and that I was a cosignee. Unaware of delinquency matters but co-responsible. I immediately helped him become current and pay off account-close it. Account was closed out on XX/XX/XXXX and original account opened was XXXX. Navient will not help or understand to correct and remove this history. Navient loans are rehabilitated and in good standing for some time..
Consumer complaint received 2020-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I received a letter from Wells Fargo Bank in reference to complaint number XXXX that filed with the CFPB ... In that letter Wells Fargo Denies having any record of correspondence sent to the wrong country ... I am attaching the evidence that my data was breached as was my personal signature that was sent to my old address in XXXX in the month of XX/XX/XXXX by Wells Fargo Bank ... Wells Fargo Bank states that they do not have an international address on file yet one of their requirements to open a new account is to provide an address history going back three years ... In order to that I had to provide Wells Fargo Bank with my previous address in XXXX which is where I lived for two years from the year XXXX - XXXX ... Correspondence was generated without the knowledge of the employee whose name is listed on that letter sent to my XXXX address ... XXXX send that letter back to Wells Fargo and the Wells Fargo South Dakota Bank forwarded that letter to me ... Attached are detailed photographs of the letter I got from the South Dakota Wells Fargo Bank that is used for rerouting mail that was sent to wrong addresses ... Also Wells Fargo offered a {$400.00} promotion online for new account holders ... I qualified but in order to fulfill the requirements I had to go to a local branch to complete my online account opening process ... One day my bank balance fell below XXXX dollar and because of that Wells Fargo said I was no longer eligible for the XXXX dollar incentive for new account holders ... I am attaching a photograph of a Cashiers Check that Wells Fargo Bank sent me after I was able to establish with Wells Fargo that this was false advertising filling new account holders like me with false hope of a reward that is not possible to get due to excessive requirements such as bank balance being less than XXXX dollar which I was never informed about ... I ask that Wells Fargo be held to account for making serious mistakes with where they sent my sensitive details ... Also for sending correspondence with an employees name on it and when I asked that employee at the local branch and she said that she had no knowledge this correspondence was sent to XXXX with her name on it ... This placed Wells Fargo 's on employee in a very awkward position which is not right ... I ask that this matter be investigated ... There are seven documents attached as evidence that Wells Fargo has not acted in the best interest of me their own bank account holder ... 

Respectfully Submitted by Ms. XXXX XXXX XXXX