davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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: Bridgecrest Acceptance Corporation (CO)

XXXX and Bridgecrest several times keep violating my consumer rights I never received goods or services from this company. I have told both Bridgecrest and XXXX several times that this has to do with identity theft. They have lied several times telling me they have never received my driver 's license or any of my supporting documents. Attached are my driver 's license, social security number, FTC Identity theft report, and as well as police report. This is considered willful noncompliance, discrimination, and false information because, both Bridgecrest and XXXX state that they have never received documentation from XXXX, XXXX Please refer to the attached documents and remove the following account from the credit report because this account can not be validated. The reason it can not be validated is that it was a result of identity theft my information was stolen and not used for the benefit of the owner. So, how can this information be valid if, it was stolen and misused for illegal purposes? Also, this account was opened in another state XXXX, FL and I do not have a record of living in this state my driver 's license is from Colorado, not FL ..... 


This is proof that both company 's credit bureau and the financial institution received all documents as requested. They are both required by law and respect my consumer rights these are the damages below that both companies are doing are stated such as : 1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy.

5 ) Violation 15 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. 15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation 6 ) violation of 15 U.S.C. 1681n Civil liability for willful noncompliance because once again an affidavit identity report isnt needed in the process for identity theft block and removal.

7 ) violation of 15 U.S.C. 1692g Validation of debts
Consumer complaint received 2023-04-06
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. (GA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-03
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: Experian Information Solutions Inc. (TN)

My student loans were with XXXX for many years. This year I applied for PSLF forgiveness and was granted it. XXXX Transferred my loans to XXXX as part of this process in XXXX XXXX XXXX. My credit reports, after forgiveness, still show a balance on the XXXX loans of more than XXXX. XXXX is reporting, correctly, that these loans have a XXXX balance. I have disputed this through the three bureaus. On the very first dispute, the wrong information was removed by XXXX, but both XXXX and Experian state that the information is verified as correct by the Dept of EdXXXX XXXX I disputed two more times with documentation, and continue to get the same response with no change to my reported balance. I have sent faxed copies of all of this, as outlined on their web site, to XXXX. After over a month I sent it to them again. Weeks later I uploaded it directly on their site ( as instructed on their site ). As of today I have received no correspondence from XXXX. The documentation I provided was the disputes themselves, Letters from both XXXX and XXXX saying that the transfer and subsequent loan forgiveness happened, and screenshots from the studentaid.gov website showing a XXXX balance. I also sent them a copy of my XXXX  text file. It is beyond frustrating that they keep " Verifying '' wrong information, and worse that I can not get a response from them. I also filled out a feedback complaint on studentaid.gov, and have not gotten a response to it either, after more than 2 weeks. Can I sue XXXX or the department of Education under FCPA? Maybe others are having this issue and we can launch a class-action lawsuit? Please help me resolve this matter as soon as possible, as it is a huge hit to the ratios on my credit, which negatively affects both my score and my purchasing power.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (OR)

I have been working for months to resolve an incorrect late payment on my credit report. Discover says to dispute it with the credit bureaus, they say Discover needs to correctly report the account as never late. As usual the consumer gets XXXX by these negligent companies that make you go through 30 min. of security hoops and hold times every time you try to contact them. 

In XXXXXXXX XXXX an unauthorized {$2.00} charge was made on my mom 's Discover card without her knowledge and went unnoticed. She was subsequently in and out of the hospital and did not check her statement, since the account balance ( as far as she knew ) was XXXX. Discover reported this as 2 late payments, 60 days and 30 days. 

My mom called Discover when she learned of the issue and replaced the card, and added me as an authorized signer to try to help resolve the problem. The 60 day late payment was removed, but not the 30 day late payment, which is still on there damaging my mom 's and my credit score. 

Discover continues, month after month, to claim that they have fixed the issue and are not reporting the late payment any more, and that I should dispute with the credit bureaus it if I want it resolved quickly. The credit bureaus insist that they are accurately reporting it and that Discover is still reporting a late payment. The last time I contacted them, XXXX completely deleted the account altogether then denied any knowledge of it. I was able to get it restored but the late payment is once again on both credit reports. 

This applies to XXXX and XXXX. XXXX stubbornly refuses to list the account at all.
Consumer complaint received 2023-03-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (TN)

I have already filed a complaint with XXXX regarding a loan made to my wife and I that was not what we asked for or was explained properly by a Truist rep. Truist has responded to the first complaint but referred me to the agreement we signed saying we could have changed from a variable rate to a fixed rate at any withdrawal. The problem is that reading that would not have meant anything to us because we told Truist that we wanted a fixed rate for the entire life of the loan. We firmly advised them we did not want any variable rates. As stated already we have never had variable rate loans, even with Truist. We were told since we picked the fixed rate there should not be any problem.

Because Truist took out more money than they should have, it caused other bills of ours to not get paid. When we discovered that we called the creditors to pay, everyone charged us a late fee.

So the Truist response does not address to the issue. If they could not guarantee that any part of our loan could be subject to a variable rate, they should have told us. They are taking XXXX responsibility. 
We were told we had a fixed rate. They lied or their rep was grossly negligent.
Consumer complaint received 2022-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TN)

Tittle : Debt Validation XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Stating your claim is disputed and validation is requested.

This is not a request for Verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above- named title and section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus { XXXX, XXXX, or XXXX ) this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices can provide the proper documentation as requested in the following declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit a credit reporting repository that could be inaccurate or invalidated. 

If your offices fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

XXXX XXXX XXXX
Consumer complaint received 2022-11-16
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. (MA)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1XA ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account name : Account number : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (AL)

I am writing to express my deep dissatisfaction with the handling of my mortgage account by United Wholesale Mortgage. Despite reaching the required equity threshold of 23 % in my home, I have encountered significant obstacles in having my Private Mortgage Insurance ( PMI ) removed, which is both frustrating and unfair.

I have been a loyal customer of United Wholesale Mortgage since 2019 and have always made timely payments towards my mortgage. It is disheartening to experience such a lack of responsiveness and assistance when attempting to address an issue that should have been resolved promptly. 

According to my records, I currently hold 23 % equity in my home, exceeding the required threshold to eliminate the PMI. However, I have been informed by your representatives that I need to obtain an appraisal to proceed with the removal process. This requirement is perplexing and contradictory to the terms and conditions of my mortgage agreement. 

As a responsible homeowner, I have diligently monitored the market conditions and observed the steady rise in property values in my area. It is evident that the value of my home has appreciated significantly since the time of the loan origination, further strengthening my case for PMI removal. Requiring an appraisal under these circumstances is not only an unnecessary burden but also an unjustifiable cost that I should not be obligated to bear. 

I kindly request that United Wholesale Mortgage promptly reviews my case and takes appropriate action to remove the PMI from my mortgage. 

My corncerns were not addressed in a timely and satisfactory manner, and I had no choice but to explore alternative options, such as filing a complaint with the appropriate regulatory authorities or seeking legal counsel to protect my rights as a homeowner. 

I expect a swift and satisfactory resolution to this matter. 

Thank you for your immediate attention to this matter. I trust that United Wholesale Mortgage will rectify this situation promptly and restore my confidence in your institution 's commitment to providing excellent customer service. 

Yours sincerely, XXXX XXXX
Consumer complaint received 2023-02-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

On XXXX XXXX. I was contacted from XXXX, they said they were part of Chase fraud team and i needed to transfer my funds to a different account. They would help me to do this. They gained access to my account and fooled me into transfering my money. I went to the bank and I have had no success on recovering my funds. It dosent seem like anyone is on the side of the person who got scammed
Consumer complaint received 2023-03-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

I pay my bills via Chase " bill pay ''. On XXXX XXXX XXXX I paid a vendor, XXXX XXXX the same way that I have paid him monthly for the last ten  years. Of all my bill payees, this is the only one that is an individual private company as opposed to a large corporation ( utility company , insurance co, credit card co, phone co, etc ). The payment for this vendor has always been sent as a hard copy Chase check to his home address. I went into my account, selected " bill pay '', entered the amount, checked that it was withdrawing from the proper checking account and clicked " pay ''. 

A month later, the vendor came to me to tell me that he didn't receive my May payment of {$1400.00}. I looked at my online banking and after careful scrutiny, saw that it went to an email address XXXX via XXXX. The vendor told me he does not have an email address associated with his business and doesn't know whose email that is. CHASE or XXXX assigned that email address, not me! 

I went to my bank branch where I have had a long standing relationship and they told me unfortunately there is no way for Chase or XXXX to trace a transaction once it is sent and that I probably have no recourse! They told me to file a complaint with the Escalation Dept. of Chase. I filed the complaint and after several months, they let me know that there is nothing they can do and that by me clicking on " pay now '' when entereing the transaction, I authorized the transaction and absolved them of any wrongdoing. I was not satisfied with the outcome, so they told me to call the Chase Executive Office and file a complaint, which I did. After more that a month, without anyone contacting me for any further details or discussion, they left me a phone message that my inquiry and case is closed.

If you look closely on the attached document, there is a very small " z '' is next to the P icon for that vendor ( attachment 2 ), meaning it can go via XXXX. It wasn't there several months prior ( last 3rd attachment ). Chase added the unknown email address to make it eligible for XXXX. Chase 's menu choice for " pill pay '' and " XXXX ' ARE THE SAME MENU. I DID NOT choose " XXXX '', it chose for me!
Consumer complaint received 2022-12-01
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. (IL)

On XX/XX/22 Section 604 15 U.S. Code 1681 B was violated by the credit reporting agency. It is not late and I didn't consent for them to report this.
Consumer complaint received 2023-03-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (FL)

it is a scam a person asked me for money for a job that he never did and now he is threatening me to send him more and he refuses to give me back what I paid. The transactions where {$280.00} on XX/XX/XXXX, {$200.00} on XX/XX/XXXX, {$400.00} on XX/XX/XXXX, {$600.00} on XX/XX/XXXX, {$1000.00} on XX/XX/XXXX, {$900.00} on XX/XX/XXXX, and {$1800.00} on XX/XX/XXXX. I tried to canceled them but I havent been able and this person refuses to return it and is threatening me
Consumer complaint received 2022-11-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I had SPS as my loan servicer for 15 years. I refinanced my loan in XXXX of this year and SPS was paid in full. I contacted SPS in regards to the unearned interest that is due to me by law. They responded that they were forwarding my letter to the proper department and I have not heard from them since. They are required by law to remit the unearned interest to me within 5 days. SPS has failed to do that or respond to my request.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 3. The following personal information is incorrect Also Known As : XXXX XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX 5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

12. The following personal information is incorrect Previous Address ( es ) : 7 XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XX/XX/XXXX 13. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MD XXXX XX/XX/XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX error_outline
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TRUIST FINANCIAL CORPORATION (FL)

I was denied a bank account around last year XXXX at Truist Bank. I sat, deposited {$100.00} in a checking account and {$400.00} in a Truist Savings account. I went home to set up my online banking and it keep saying ERROR. I went to Truist, and I was told my account would be closing and the money deposited ( {$500.00} ) will be mailed to me in a check. Again it has been over year and haven't received check in the mail. Also my checking account is being charged {$12.00} every month.
Consumer complaint received 2023-04-06
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: Experian Information Solutions Inc. (VA)

When I reviewed my credit report, I discovered that these accounts were erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-06
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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-12-17
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. (CA)

On XX/XX/2022 I submitted a dispute letter to the credit bureau agencies ( XXXX, XXXX, Equifax ) explaining that the accounts below on my report are stating inaccurate payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX never late PRIMARY RESIDENTIAL MO - payment never late I have not received a response from any other the credit agencies.