davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-24
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 (MS)

I have contacted Bridgecrest formerly XXXX explained this account was settled and closed. This account has {$0.00} balance. This account with Bridgecrest formerly XXXX has been settled and closed, but is still on all XXXX of my credit reports. This account was paid fully by the insurance company upon repossession. Therefore this account needs to be removed Immediately! Therefore you are reporting false information on my credit. 
As a citizen I have a RIGHT to have a accurate credit report, but as a CONSUMER congress gives me a right to dispute inaccurate information on my credit profile. 

15 USC 1681 ( a ) Accuracy and fairness of credit reporting 15 U.S. Code ss 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

1681d ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless- ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that- ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.
Consumer complaint received 2021-11-10
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: Collection Bureau of America Ltd. (CA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the XXXX XXXX XXXX XXXX  ( Original creditor XXXX XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (WA)

My daughter and I have a mortgage serviced with United Wholesale Mortgage located at XXXX XXXX XXXX XXXX XXXX. Ph : XXXX. We opened this is XX/XX/XXXX. My daughter moved to XXXX and shortly after opened up a local bank account with a local credit union. She got the accounts mixed up in XXXX and XXXX and had XXXX returned items not for XXXX however, but for an error as the bank account was closed. In XXXX she had her online payment privilege 's taken away and was told she needed to mail in certified funds for XXXX yr. I called in and spoke with an agent in XXXX after we received a notice that they sent back a partial payment. Turns out they lost one half of the money order sent and we had to send in another half plus the returned money order on a rush to cover that payment for XXXX. NOTE XXXX MAILED IN PAYMENT WAS RECEIVED AND CREDITED. They told us to dispute the online payment reinstatement due to the error and XXXX XXXXXXXX XXXX  guidelines are that if XXXX or more XXXX XXXX  happen within a certain timeline. So we are trying to get our online payments back on. But in the meantime we are fighting to pay our monthly payments. XXXX we sent in XXXX payments. Only XXXX of those XXXX received. ( XXXX month payment we are 90 days out to get back ) Now in XXXX we have already sent in XXXX payments with tracking confirming receipt and its the XXXX and they still say they have not received our payment. NOTE : NOW 3 MONTHS MORTGAGE PAYMENTS WE ARE OUT AND WONT GET REFUNDED FOR 90 DAYS ). My daughter is XXXX and living on her own. This is creating a hardship and can not keep paying XXXX or XXXX mortgage payments each month in order to avoid a 30 day late on our credit reports. We need our online payments reinstated and they said they will get to it XX/XX/XXXX. Her funds are not being refunded from her bank until 90 days so she is {$2700.00} in the hole and doesn't have money to pay her bills and cant keep this up! We have sent the bank statement showing she had funds to cover the payment so they can reinstate our online payment privilege 's. Receipts to show payment made and tracking info was received all 3 times. Yet no one can figure out why they sometimes get it and sometimes don't. No can help when we call, nothing get done in time and when we do get a response they don't help. We just need our online payments reinstated per guidelines and we can avoid a hardship that they are creating. 
Its important to note that In XXXX I was on vacation when I got the mailed notice regarding the returned partial payment and that the mortgage had not yet been paid. This was on the last day of the month after hours. There was no way to make a payment, online privilege 's were taken away for my daughter but I thought if I could go on the account and make my own account I could pay online, but I couldn't. I tried to do an instant money gram and they do not accept those either. Unless its business hours or you can pay online, THERE IS NO WAY TO PAY.
Consumer complaint received 2021-11-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (WA)

LVNV went to my parents house, told them I had credit card debt that was in collections and told them exactly how much I owed on both accounts. LVNV informed my parents they were attempting to process serve me. I called LVNV and told them I have never lived at my parents address but they have returned still looking for me. Date of first contact at my parents house XX/XX/2021 and second contact XX/XX/2021. I returned their call XX/XX/2021 and left a message.
Consumer complaint received 2022-10-26
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I hate this! I already spent a lot of months sending disputes and filing complaint but I don't see any results from my disputes. This is really hurting me and giving stress to me.
Consumer complaint received 2022-04-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BMO Bank, N.A. (WI)

On XX/XX/10 I was approached to sell a item on XXXX XXXX. We currently are struggling with XXXX XXXX Healthcare bills so I was anxious to sell. I stated I accepted payment on XXXX, and they requested 3x to use XXXX I looked into it and felt safe because my bank offered it as a way to send money. I set it up and received an email that had BMO Harris and XXXX on it. I had the person interested in the purchase accuse me of trying to get additional funds and stated he was to send XXXX to me. 
I said no, just send what is needed. Then I get an email stating I needed to proove the account was activated by sendind XXXX to the seller. Thus that would finish the transaction. I sent XXXX because I said that is all that was due back. In the meantime... I never got my money. But the scammer still had an active email chat with me and when I asked, I was told I still needed to send the XXXX and he was going to complain to XXXX that I was fraud. So I sent XXXX dollars. I immediately get a second mail sail the transaction did not go through and to send {$350.00}. I immediately called the bank who said they could not get the transaction reversed. So I reported through XXXX nothing. I tried the bank again who said the transaction was processed through XXXX XXXX  and XXXX refused to give the refund saying I approved the transaction. I knew it didn't feel right. But again, I am selling items to make some money and felt it was safe if I was doing the transaction with my bank
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I RECEIVED A LETTER FROM BANK OF AMERICA STATING THAT THEY WERE CLOSING BOTH OF MY CREDIT CARD ACCOUNTS DUE TO HIGH BALANCES. THEY EXPLAINED THAT THROUGH A THIRD PARTY THEY WERE ABLE TO ACCESS MY CREDIT REPORT AND NOTICED THAT I HAD HIGH BALANCES AND OR LOANS. THIS IS DISCRIMINATION, FIRST OF ALL I DID NOT AUTHORIZE THEM TO DUE A REVIEW OF MY CREDIT REPORT AND I DID NOT AUTHORIZE THEM TO CLOSE ANY OF MY ACCOUNTS.
Consumer complaint received 2022-05-30
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: WELLS FARGO & COMPANY (AP)

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

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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.
Consumer complaint received 2022-04-24
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. (FL)

n accordance with the Fair Credit Reporting act XXXX account # XXXX and XXXX XXXX ACCOUNT # XXXX AND XXXX XXXX ACCOUNT # XXXX XXXX XXXX # XXXX AND XXXX # 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 2022-10-26
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: Experian Information Solutions Inc. (OK)

According to, 15 U.S Code 1681c-2 A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items as soon as possible These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 US code 1681 - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the Written Instructions of the consumer to whom it relates. I NEVER gave any consumer reporting agency Written CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the delations of the accounts listed IMMEDIATELY
Consumer complaint received 2022-07-18
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. (OK)

15 U.S.C. 1681 ( a ) ( 4 ) states I have a right to privacy. 15 U.S.C. 1681b ( a ) ( 2 ) States a consumer reporting agency can not furnish an account without my written instructions. My rights to privacy is being violated by XXXX.
Consumer complaint received 2022-05-30
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: Self Financial Inc. (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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 2022-04-25
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. (FL)

In accordance with the Fair credit report act US SM BUS ADMIN ODA has violated my rights regarding a hard credit inquiry posted on my Credit Report XXXX XXXX  XXXX 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 2022-07-12
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. (NY)

This complaint has been sent numerous times already that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX at XXXX Barclays sent me an email offering a promotional 0 % APR. I accepted this the same day, well before the deadline to accept of XX/XX/XXXX. After checking over the next week, I couldn't find this offer reflected anywhere on my account. On XX/XX/XXXX, just to confirm I asked a customer service rep with Barclays AA Advantage Mastercard to check my Interest Rate and they showed it as a whopping 22.99 %. The interest rate isn't listed anywhere on the home page, so it would be easy for someone to assume the offer they opted into ( which Barclays AA Advantage Mastercard website showed I had accepted ) was valid. 

Offering someone 8 months of 0 % APR and instead charging them 22.99 % could cost someone a LOT of money.
Consumer complaint received 2022-04-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: FREEDOM FINANCIAL NETWORK (AZ)

Freedom Debt Relief has been deceiving from the the start. I signed up for their program on XX/XX/XXXX and have been doing everything they advise on their welcome packet and their client website. 
As a result of that, on XX/XX/XXXX I have been sued for 2 accounts and I have the following issues.

1 ) The company promised to negotiate settlements with creditors, but the service actually required the consumer settle their own debts. In this case, I have received a notice of default from one of the lawsuits, which basically means that they have done nothing. 
It misled its customers regarding the fees they charge. The company made consumers believe they only had to pay a fee when the debt got settled. The way it works, is that they send the first check for {$25.00} and they take all their fees after that. They do not disclose this on any of their documents. I found that out by looking at the ledger, I do see other fees that don't know what they are for. 
It misled its customers regarding the extent of its services. They tell you not to answer to the lawsuit or legal documents, instead, upload everything to their website as they pass the information to their partner network. There's a disconnect there, because they have done nothing and now I'm facing an affidavit of default where I have 10 days to respond. 

Also, Freedom Debt Relief has failed to notify its customers that some of the creditors hired to settle debts with had previously refused to negotiate to settle debts with third parties even when I called numerous times to get status on my case, no one knows anything and just tell me to call next week. 

This is my second complaint filed on CFPB regarding the listed above and nothing has changed.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (MO)

After I obtained a new phone ( upgrade from XXXX XXXX ( XXXX XXXX  ) to XXXX XXXX XXXX XXXX ( but same number and provider ), my XXXX XXXX XXXX stopped working and I received error code XXXX. I called their customer service and they told me they'd refer this to IT and I'd hear in 5-10 business days. That was about a month ago. They also told me to set up a my.equifax.com account. When I did that I received an error code XXXX. They asked me to let them set it up and I waited on the phone while they tried. They had the same issue.Since then I've called them on at least five additional occasions, getting reassured my problem was being escalated, etc. but have received NO contact back from them. Yesterday I was told I needed to verify my identity with a driver 's license and gov't issue ID. So, I took photos of them and faxed them a copy of them in a document but have received no confirmation of receipt. I called them to ask if they could confirm receipt but they say that can take up to ten business days!!!! There is no email address or text number for me to easilyl send pictures of required documents and there is no way for me to talk to " higher ups '' who might have authority to actually get something done. I'm XXXX XXXX XXXX and have my share of horror stories but I've never had to deal with a company as broken as Equifax. As an aside, I used to pay for an account on equifax.com but stopped after their egregious data breach and moved to the XXXX & XXXX product. One would assume that after violating the public 's trust with poor data security as evidenced in the data breach, they'd go out of their way to make it easy for customers to get responsive service from them. Dealing with them has been nightmarish.
Consumer complaint received 2022-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

My payment for my kohls credit card was due XX/XX/22. I made the payment XX/XX/22. I have proof of the time and date of the payment as well. My credit report is saying the payment was over 30 days late and has negatively impacted my score. I tried to call the company. They told me they see the error, they are sorry but they have to go through the proper steps and file it which can take up to 30 days. This has impacted my mortgage loan as well now. The company also refused to give me a deletion letter at this time and said I will get one in the mail which they have 30 days to do. They are breaking the facra fair and accurate credit reporting act. This is not fair especially since I have never made a late payment with them since I opened my card.
Consumer complaint received 2022-04-25
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: Experian Information Solutions Inc. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.