davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
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. (FL)

I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that is fraud.
Consumer complaint received 2022-07-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dunlap Gardiner LLP (GA)

This harassment started in XXXX, over a car that was repossessed in XXXX. I went to court, and on XXXX the case was closed, case status Disposed. On XXXX, XXXX XXXX filed another claim against me for the same case, XXXX. I was never served in reference to this wage garnishment. I noticed that my wages were being garnished. I filed a defendant 's claim against XXXX XXXX, and Dunlap Gardiner, LLP ; went to court on XX/XX/XXXX at the XXXX XXXX XXXX. The Plaintiff 's garnishment was disposed and I was granted the money that was being garnished from my pay check. Then my employer notified me that XXXX XXXX had filed a new claim against me for continuation of wage garnishment. I filed another defandants claim again and wen to court on XX/XX/XXXX and my defendant 's claim was denied until I fight the underlying judgement, in which, I received no documentation in reference to the claim filed. I am really tired of going through this with them harassing me and garnishing my wages for a claim from XXXX, that was disposed, and my money was refunded to me. This is something that is not legit, and is causing a hardship with my living expenses and employment opportunities.The vehicle they are claiming I owe money for was repossessed in XXXX, and I never heard anything from this finance company. I stay at the same address for XXXX years and was never served any papers. I did not receive any notices from them after the case was disposed in XXXX until XX/XX/XXXX. I would like for them to stop harassing me and causing hardship in my life for a repossessed car from XXXX, that case was disposed, and I was refunded my money back that they had garnished at the time. I would like them to stop the garnishment and give me back all the money they have garnished from me at this point.
Consumer complaint received 2022-02-21
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. (TX)

Fraudulent activity on closed debt that do not belong to me. I have submitted police report due to my items were stole years ago. I did not authorize a credit card on my account.
Consumer complaint received 2022-02-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (CA)

BRIDGECREST did not respond to my last CFPB rsponse. They know that they recieved the authenticated XXXX from the Treasury from my estate UCC treasury account for the payoff and address they gave me. After taking 2 months to verify that and had the funds ready and sent certified mail, BRIDGECREST refused the LAWFUL payment under UCC 3-603. After further review and communication, since they have not diclosed any prefererred payment methods and on top of that, having no direct contract, the contract they sent back is with Carvana NOT Bridgecrest or any parent company. They should have forwarded a 1099 and the XXXX as lawful payment. Since they cant do lawful business, and demand DEBT without contract, they are not only breaking federal law, but damaging my credit score and credit of account. This is illegal and disturbing for a company especially with no contract to act this way. They need to reply IN WRITING a valid and lawful solution. Since they have not, I have reserved my rights to rescind my signature nulll and void ; 15 US code 1635 ; with XXXX as this was a mutual mistake of contract. BRIDGECREST made a mistake. Under federal law, this Letter and Right of Rescission due to " mutual mistake '' being the legal reason for rescission, has been delivered to BRIDGECREST on XX/XX/22. They have not even responded to the letter. Thank You. XXXX XXXX XXXX ESTATE - Beneficiary - All Rights Reserved
Consumer complaint received 2021-08-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CT)

The co-owner of my home was laid off on XX/XX/21. I contacted the mortgage company on XX/XX/21 to request an interest rate reduction ( loan modification ) so that I could make the payments solely on my income. My current rate is 7.25 % and that amounts to over {$1600.00} added on to the principal payment. I continually followed up with the lender via phone calls and emails and had two conference calls with " relationship managers ''. They claimed they did not receive all of the needed documents. I submitted the entire package twice. Today I was told that my request for modification was closed because a document is missing - there are no documents missing and I verified this on XX/XX/21 with the lender. No one even informed me that my request had been closed! 
They are intentionally and successfully stalling my request for assistance. I am going to send the entire modification package to them again tomorrow, for the third time. They tell me it will take another 30 days to review it. They should know my name and my circumstance by heart at this point. I am being honest and reaching out to the lender before my mortgage goes into arrears, and I am being ignored. I need help!
Consumer complaint received 2022-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CA)

While traveling, I lost a bag that contained items which fall under my credit card 's purchase protection coverage ( purchased in the last 120 days ). The bag was lost at my hotel. 

Upon arriving home, I filed a claim with Chase through its partner, XXXX XXXX XXXX on XX/XX/2022. The next day claim was denied and " more information was requested '' ( an incident report ). I called and waited on hold for an hour, when the representative informed me that my communications with the hotel would be sufficient as incident report. I provided these communications immediately. 

Notably, according to their own website, Chase will assist customers in providing the correct documentation, but nowhere do they give examples of an incident report, nor do they state that an Incident Report is required ( rather, a police report only if the item was stolen, not lost ). 

I called XXXX XXXX XXXX the following week, XX/XX/XXXX, to inquire about my claim. I was again put on hold for nearly an hour, only to be told the claims department closed at XXXX XXXX and would call me back the next day. No one called. 

I emailed their support email ( XXXX ) on XX/XX/XXXX and heard nothing. 

I called XXXX XXXX XXXX on XX/XX/XXXX ( XXXX minutes on hold ), XX/XX/XXXX ( XXXX hour and XXXX   minutes ) and XX/XX/XXXX ( XXXX  minutes ). Each time, I was told that the claims examiners were busy and would call me back ( they never did ). I spoke to a representative named XXXX during this time who assured me my claim would be looked at. 

I also contacted Chase via XXXX on XX/XX/XXXX and XX/XX/XXXX. Both times I was assured my claim would be " escalated '' and they would reply back to me via that channel ( XXXXXXXX  ). They have never replied to me. 

I contacted Chase via XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on XXXX. Same thing as XXXX ( we will " escalate '' ). I have never heard from them. 

In all this time, all I ever wanted was to speak directly to the claims examiner working on my claim, and find out exactly what documents they are looking to see. 

Chase has created a frustrating and shadowy bureaucracy where they can point the finger at their partner, XXXX XXXX XXXX all in hopes that the customer will just give up on the claim. It is abusive towards customers and should be investigated whether this is widespread ( based on the long hold times and many failed promises I experienced, it almost certainly is ).
Consumer complaint received 2022-07-26
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)

In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX Account # XXXX, Date XX/XX/XXXX. XXXX  XXXX Account # XXXX, Date XX/XX/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 an account without my written instructions. 

Date XXXX XXXX XXXX XXXX  # XXXX Date XXXX XXXX XXXX Account # XXXX Date XXXX XXXX  XXXX Account # XXXX Date XXXX XXXX  XXXX Account # XXXX Date XX/XX/XXXX - XXXX  XXXX Account # XXXX Date XX/XX/XXXX - XXXX  XXXX Account # XXXX Date XX/XX/XXXX - XXXX XXXX # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-10-12
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: EQUIFAX, INC. (GA)

This is my numerous complain regarding my credit report information that is questionable. I would like to dispute certain accounts in my file which I believe is possibly an Identity theft. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance {$5100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance {$3100.00}
Consumer complaint received 2022-02-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: VW Credit, Inc (FL)

I am a federally protected consumer. Volkswagen credit and XXXX Volkswagen has violated my rights. Volkswagen Credit is a financial institution as defined under 15 U.S. Code 6827 ( 4 ) ( B ) I the consumer, have reason to believe I owe no such alleged debt ( s ) I am a natural person and original creditor in all transactions pursuant to 15 USC 1602g. I have received a statement including the subject matter of an attempt to collect an alleged debt for a vehicle. I am aware that Volkswagen Credit is a debt collector here is the legal definition. Pursuant to 15 U.S.Code 1692 ( a ) ( 6 ), a debt collector is any person who uses instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. I have proof labeled Exhibit A that Volkswagen Credit is a debt collector attempting to collect a debt. I am aware that the term debt pursuant to 15 USC 1692a ( 5 ) means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes. To allege means something is not proven. This debt has not been proven fact meaning it is not fact. I am aware that pursuant to 15 USC 1692k any violation by a debt collector is a fine up to {$1000.00}. I the natural person has proof labeled Exhibit A, and B that Volkswagen Credit has violated my federally protected rights 16 times. This means Volkswagen credit is liable to pay me {$16000.00}. Pursuant to 15 USC 1605 that a finance charge is the sum of all charges and does not include cash. I have proof labeled Exhibit C, and D that XXXX Volkswagen did in fact require cash in the transaction involving the vehicle.
Consumer complaint received 2022-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION (NY)

On XX/XX/2022 I received a text message alerting me to a potentially fraudulent charge from my debit card for {$1000.00} Shortly after receiving this message and checking my account details to confirm there was indeed a fraudulent charge, I called State Employees Credit Union that same day to file my dispute. I closed my card and requested a new one, with the help of the associate. I was told it would take 7-10 days for the charge to be investigated, but that I may see a credit on my account for the amount taken in the interim. 

I asked if there were any other actions that needed to be taken on my part, and was assured that no, I had done exactly what I need to do. I received no further correspondence. 

10 days later, on XX/XX/2022, I called to follow up. I was told that the company performing the dispute did not work over the weekend, so they could not provide an update to the status of the investigation or see the dispute. I was also told that I had been misinformed by the original associate, that the actual estimated date was XXXX business days from the day I originally called. They said the company actually had until Friday XX/XX/XXXX. 

Today, on Friday XX/XX/XXXX I called once more to check on the status, as I have still received no further information or update. I spoke with XXXX XXXX XXXX, who informed me she had no record of my dispute, only that I had closed my debit card due to fraud. She posited that perhaps a newer employee not properly trained may have been handling my initial call, and apologized for the miscommunication. She also informed me that disputes could not be made until the actual charge posted, which was actually on XX/XX/2022. This came along with a {$10.00} transaction fee from the same fraudulent place XXXX. Prior to today XXXX failed to inform me of this. She offered to try and push for a faster turnaround, but that I should wait another 7 business days before calling back for an update. 

While I appreciate the sentiment and the professionalism she displayed while communicating with me on the phone, in 7 days when I am supposed to once again call for an update, it will have been an entire month that I have been without that money. And as many of us know, a XXXX dollars can be the difference between security and losing housing, or having the utilities cut off. I expect greater care to be taken when dealing with fraudulent charges and in any case wherein a persons agency and financial security are at risk. 
I will be attaching screenshots with the dates and times of those 3 calls to them below ( that number is XXXX ), along with the message I received via text and a screenshot of the amount pulled from my account.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (TX)

WORLD FINANCE has been previously notified to verify my account to be accurate and complete. 1. ) I have noticed that WORLD FINANCE has been violating my rights by reporting inaccurate and incomplete information on my credit report. WORLD FINANCE is reporting different information to three different credit agencies for the same account. 2. ) World Finance is still trying to collect this debt even though it was charged-off. they are still reporting a balance. Also, when I spoke to a woman named XXXX in the office today ( XX/XX/2022 ) and she told me I should pay off this " debt ''. World Finance, by charging this debt off has forfeited its right to collect. 3. ) World Finance has been reporting late payments for along time ( years ) after charging off this debt which is another FCRA violation. 

WORLD FINANCE has an obligation under the FCRA 's " furnisher rule '' to not report information they believe to be untrue or inaccurate or that they've been told is untrue or inaccurate. These inaccuracies and inconsistencies have led me to believe that WORLD FINANCE has NOT researched and verified these accounts in violation of my rights. Needless to say, their willful and continued disregard for the law has caused me damages.
Consumer complaint received 2022-07-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being " reported correctly? Who verified these accounts? You have NOT provided me a copy ofANY original documentation ( a consumer contract with my signature on it ) as requiredunder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful noncomplying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

CAPITAL ONE BANK USA NA XXXX Late Dates XXXX, CAPITAL ONE BANK USA NA XXXX Late Dates XXXX
Consumer complaint received 2022-07-26
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. (SC)

This is my several attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00}
Consumer complaint received 2022-02-16
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-07-14
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 (FL)

I was sent an email from Bridgecrest stating I had until XX/XX/2021 to make the final payment on my loan or my account would be reported as a 30 day late with all 3 credit bureaus. I made a {$500.00} payment on XX/XX/XXXX, and a payment of {$200.00} & {$400.00} on XX/XX/2021. Those payments paid off the loan and the account was closed. I called to confirm and was told I did not owe anything additional and the loan was satisfied. I received a notification from all 3 bureaus that a had a new 30 day late from Bridgecrest. I reached out to Bridgecrest to ask why, but was given an answer that did not make sense. Was told they reported my account status on the report date, however, my loan status as of XX/XX/XXXX was paid in full, not 30 days late. They refuse to correct the information so I am asking for help. I will not be allowed to close on my home loan with a new 30 day late, which is inaccurate.
Consumer complaint received 2022-07-08
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. (FL)

I submitted documentation to this company on XX/XX/XXXX advising them my identity was stolen and accounts were opened with my information without my knowledge. I provided a FTC report and police report to prove I was a victim. They responded telling me this account was verified. They didn't do a proper investigation providing me with any contract with my signature on it. My federal protected rights have been violated and I'm not able to obtained a vehicle or anything worth having due to these circumstances.