davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (CA)

On XXXX XXXX, 2019 the car in question ( XXXX XXXX ) was reposed from a location in XXXX, Ca, by way of a tracking device ( installed in the car ). This location is not on file with car finance company ( Bridgecrest ). Representatives at Bridgecrest advised that the towing company took the car to a tow yard in XXXX, Ca. The balance to reinstate the loan on XXXX XXXX, 2019 was {$1700.00}. The loan was reinstated on XXXX XXXX, 2019 at XXXX ( XXXX ) in the amount of {$2000.00}. On XX/XX/, 2019 Bridgcrest representatives ( about 7 Reps ) advised the car would be delivered to Nevada for auction and owner would have to go to Nevada to retrieve the vehicle. A flight was taken from XXXX  to XXXX XXXX, NV on XXXX XXXX, 2019. On XXXX XXXX, 2019 at XXXX XXXX the auction company that is scheduled to receive the vehicle advises the vehicle has not made it and to call back in a few hours. On XXXX XXXX, 2019 at approximately XXXX XXXX   XXXX auction company advises vehicle is still not there. At approximately XXXX XXXX   Bridgecrest representatives advise the vehicle is still in California . Manager XXXX at Bridgecrest states that she will place an order to have vehicle sent to dealership owners choice and vehicle will be ready for pick up on XXXX XXXX, 2019. XXXX agrees to send car to : XXXX XXXX XXXX, XXXX ca, XXXX. In addition XXXX provides email address and fax number to arrange for reimbursement of flight and hotel expenses due to inconvenience and misinformation of Bridgecrest. On XXXX XXXX, 2019 at approximately XXXX XXXX XXXX, Bridgecrest informs that they are unable to locate car and can not provide a time for car retrieval. XXXX Manager at Bridgecrest advises they aren't able to reach their Transportation Company and is unaware of the location of all of Bridgecrest 's  fleet of cars including the XXXX XXXX that has been paid and reinstated. As of XXXX XXXX, 2019 3 business days since the car has been reinstated, the car has not been retrieved nor has the location of the vehicle been provided due to the negligence and uncooperation of Bridgecrest Financial. Attached you will find receipts for the flights, hotel and parking services as well as statements for taxi rides while in XXXX XXXX.
Consumer complaint received 2022-08-10
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states the right to privacy.

U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NJ)

New Res - Shellpoint Mortgage services continues to falsely reported delinquent payments to all 3 credit bureaus and move forward with foreclosure procedures. Company is incompetent at receiving loan payments and applying the payments to the account. I have 2 mortgages with the company and they correctly apply the payments to one of the mortgages but continually do not apply payments to the other and leave the funds in a suspended funds account. Calls to customer service today resulted in the customer service people hanging up on 2 different occasions today.
Consumer complaint received 2022-09-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (TX)

LVNV funding, LLC filed a claim, commercial cause No. XXXX on the XXXX day of XX/XX/2022. 

No consent was given to the above cause No. 

Documents presented by LVNV failed to provide a valid contractual agreement under commercial law. 
There were no offers or acceptances authorized by my official indorsement to LVNV as the Oblige/payee. 
Bill of Sales, with valuable considerations were not obtained in good faith. 
This is fraudulent misrepresentation and in violation of 18 USC Sect. 1025 FALSE PRETENSES ON HIGH SEAS AND OTHER WATERS.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NJ)

FedLoan reported 5 late payments on seven accounts with a total of 35 payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, even though I was in Administrative Forbearance from XX/XX/XXXX, to XX/XX/XXXX. 

I have submitted multiple disputes with a copy of the letter, and they keep denying my correction approval stating I'm not submitting any information.
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (TN)

1.I have never had an account with this company COMENITY BANK/GOODYS XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are COMENITY BANK/GOODYS the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

According to the Fair Credit Reporting Act, 15 USC 1681. ( a ) ( 4 ), consumer reporting agencies are required by federal law to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 

Chex Systems , Inc.. PLEASE REMOVE FROM MY CREDIT REPORT 1. XXXX : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, NY XXXX INQUIRY DATE XX/XX/XXXX 2. PLEASE REMOVE FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX On behalf of XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (FL)

XXXX sign up offer of XXXX JetBlue points after spending {$1000.00} in the first 90 days. I called them before 90 days to verify I'd met the {$1000.00} spending requirement. They verified that I had and the points would post 4-6 weeks after the current statement closed. When the points never posted I contacted them and this time they said that I hadn't met the {$1000.00} spending requirement because the {$99.00} annual fee doesn't count.
Consumer complaint received 2024-02-28
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MD)

Was enrolled in a faulty auto pay system. The system continued to try and take a payment each month that was not going through. so I was getting charged a returned check fee twice a month. Then I was getting a call about making a payment which I did I was advised, and all the calls were recorded with Comenity Bank not to touch the auto pay so they could figure out what was going on, they reported me to the credit agency as delinquent then they reversed it they waived all late fees and then they started them up again. They told me they would get back to me as of this XXXX to take care of everything and I never heard what was going on, they just started calling again about collecting a bill and I have been reported to the credit agency again my credit score has dropped substantially. I had no problem just trying to pay off the item I purchased, but with all the late fees and the interest on the loan which was supposed to be a six month interest free loan I have no clue what the initial balance of my item should be.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. 

Even if you didnt receive a Form 1099-C, you must report canceled debt as gross income on your tax return.

The IRS clearly defines a charge off as gross income or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

The IRS clearly says a Canceled or Charge Off is Income. The reporting of this account as a debt is inaccurate.

15 USC 1681S-2 says XXXX is furnishing information to a consumer reporting agency.

You are PROHIBITED BY LAW to furnish inaccurate information. I DEMAND you to Cease and Desist the reporting of incorrect/inaccurate information immediately and delete the account.

15 USC 1681S-2 ( a ) ( 1 ) ( A ) ( A ) Reporting information with actual knowledge of errors 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 2017-10-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (NY)

I XXXX XXXX file this complaint with the Consumer Financial Protection Bureau to see if a collection can be rectified. I have tried to request a full accounting of the {$2500.00} XXXX XXXX states is owed to them. I requested that I receive an account summary of my payment history, especially the first date in which a payment was at lease 30-days late. Now I have two collections for the same account posted on my credit bureaus, which is unfair and a violation of the Fair Credit Reporting Act as well as an abusive collection practice according to the Fair Debt Collection Practices Act. Therefore, I request a full accounting summary, not necessarily copies of previous invoices. I believe that at least one of these collections should be deleted as it shows a double negative hit on my credit report, creating duplicity.
Consumer complaint received 2017-04-25
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. (MA)

Re :  XXXX   XXXX  finance loan Opened on  XXXX   XXXX ,   XXXX   Talked to the lender many times and have sent a copy of my grandmothers death certificate because the loan is in HER name and still, they have not removed the debt from my report or stopped trying to collect on it.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/year>, a fraudulent account was started with my social security number at Capital One Bank. I reported it immediately and have a letter from Capital One stating that they are at fault and that the account was fraudulent. It is still showing as a hard inquiry on my credit report. I would like it removed.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/XXXX SS : XXXX INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions. '' Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Please update the following accounts as paid, never late.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (MS)

I was pre approved through credit karma multiple times and was denied multiple times. I am still getting approval messages. It has lowered my score and I am seeing cards and loans that have hurt my score that I did not apply for. My score wasn't real great but know it's awful.
Consumer complaint received 2017-04-26
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

On  XXXX / XXXX / 2017  @  XXXX  I received a phone call from  XXXX    @ IQ Data International.   My   XXXX   XXXX   XXXX    child was screaming in the background while  XXXX  was explaining the reason for his call. Once my child stopped screaming I told  XXXX   I d id n't hear anything he said. He stated by  XXXX  and hang up the call. I called back and the rep attempted to reconnect me with  XXXX  but he did n't answer. I was then transferred to  XXXX  who said she was the supervisor and would look into the call. I do n't believe anything will be done. I have asked  XXXX  on previous occasions not to call my phone number. I have asked that all communications be done by mail or email. I asked for the address to send over a cease and desist but  XXXX  refused to provide me with that information because I would n't verify my identity.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

N accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. The status date is incorrect. Also date reported is inaccurate. Another thing is the monthly payment is incorrect. If the 3 credit bureaus receive the same information this should not be incorrect. This account is not accurate at all. Also the closed date is not correct. Another thing is the term date is not correct. The highest balance is incorrect. Also XXXX states active duty is not suppose to have any apr over XXXXt and I was a resident of Pennsylvania during the law suit of attorney general and 32 states had relief and I still havent
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Received a dispute completion online, not by mail from Equifax stating that my dispute was " Verified '' with XXXX XXXX within 3 days of my submittal. I have provided Equifax with a letter from XXXX XXXX stated that the record was removed because it could not be verified. Please see the attached confirmation from Equifax stating that they have conducted a proper investigation into this record.
Consumer complaint received 2021-03-28
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. (MI)

On my Experian credit report, there is an amount of {$470.00} owed to XXXX XXXX XXXX XXXX. The original creditor is XXXX XXXX. This debt is not mine, it is for a debt of a school I never attended, and I was in another country at the time this debt originated. It would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. There are 0 sections of the FCRA that prohibit deletion.
Consumer complaint received 2017-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (TX)

On  XXXX   XXXX ,   XXXX   two days before y credit card was due on  XXXX   XXXX ,   XXXX   i made the payment for  XXXX  dollars i make monthly. But  Wells Fargo states payment was not received. As a result, account is being collected, late fee was imposed, and interest rate was increased. Customer was not notified of any problems. I received an email and a confirmation number stating the payment was made. I have previously used this account to make my payments to Wells Fargo. Previously i had never had any problem but it seems to be an attempt to scam customers. After calling Wells Fargo i was insulted by representatives. I was denied help, and communicated instead with Executive office at Wells Fargo.
Consumer complaint received 2022-08-10
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: EQUIFAX, INC. (OH)

I did not consent to, authorize nor benefit from the following accounts or inquiries. Block and remove them. 
( XXXX. ) XXXX XXXX # XXXX ( XXXX. ) XXXX XXXX # XXXX ( XXXX. ) XXXX # XXXX ( XXXX. ) XXXX  # XXXX ( XXXX. ) XXXX XXXX # XXXX ( XXXX. ) ODE XX/XX/2022 ( XXXX. ) XXXX XXXX XX/XX/2022 ( XXXX XXXX XXXXU XX/XX/2022 ( XXXX. ) XXXX XXXX XX/XX/2022 ( XXXX XXXX XXXX XXXX. 

Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
EQUIFAX IS PRACTICING UNFAIR CREDIT REPORTING METHODS BY REPORTING INNACCURATE INFORMATION IN MY CREDIT FILE. 

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
EQUIFAX IS AN ELABORATE MECHANISM AND IS VIOLATING MY RIHGT TO PRIVACY AS THE CONSUMER. 

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
EQUIFAX HAS ASSUMED THE ROLE OF ASSEMBLING AND EVALUATING MY CONSUMER INFORMATION WITHOUT MY CONSENT ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
EQUIFAX WAS UNFAIR, IMPARTIAL AND HAS NOT SHOWN RESPECT TO MY RIGHT TO PRIVACY. I called in to demand that fraudulent accounts be removed from my credit file. EQUIFAX has not complied. I also provided them with FTC # XXXX
Consumer complaint received 2022-03-02
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. (AZ)

I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD.
Consumer complaint received 2018-12-03
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. (NY)

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.