davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDMAN SACHS BANK USA (DE)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( I.E : an original consumer contract with my signature on it ) That you have on file for the account listed below. Or a certification from the creditor that certified the accuracy and completeness of the information/account
Consumer complaint received 2022-09-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (VA)

Bridgecrest XXXX loan account number XXXX was paid off on XX/XX/2022. Three times payments on XX/XX/2022 for pay off. Payment confirmation numbers XXXX, XXXX and XXXX. Everything paid off, bridgecrest cheated US Consumer Financial Protection Bureau and client XXXX XXXX who has waited notarized Lien release letter, Bridgecrest provided non-notarized lien letter which is not valid at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX. Office staff of XXXX : XXXX XXXX XXXX wants them electronically release lien but they dont cooperate with government agency and they dont pick up phone call. 
We filed a grievance to consumer protection bureau. We will make a note in the system. 

If bridgecrest doesnt cooperate with consumer protection agency XXXX congressional investigation will initiate right away. 

XXXX
Consumer complaint received 2022-09-19
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. (FL)

Equifax is reporting the following inquires that are not authorized by me. I contact the companies and they told me to contact Equifax. Equifax stated I have to file a report with you. 

The following inquires are not authorized : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-09-28
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. (NV)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX XXXX Balance : {$19000.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-19
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 sent in a complaint about some items I disputed on my credit report and the credit bureau responded saying two of the items were removed in XXXX of XXXX. If those items were removed in XXXX of XXXX why is the items still being reported on my credit report as of XX/XX/XXXX. I sent yall the most recent report to prove it and their response is those items are removed. How is it possible for me or anyone who pulls my credit report see it if its been removed. These credit bureaus do nothing but stall us consumers and respond to us as accurate is wrong and unlawful
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (AZ)

I contacted my bank BMO Harris regarding multiple charges on my account that were from from XXXX XXXX which was a total of 4 transactions. I explained to BMO Harris that I attempted to contact the merchant XXXX XXXX to advise them of the fraud charges but they refused to help me and asked me to show them proof that the charges were in fact fraud, which I explained to them I have no way of proving other than explaining I did not make nor authorize the transactions. The merchant continued to refuse to assist me with the fraud charges and getting my money back. 

While on the phone with BMO Harris I explained the above and advised them of the fraud transactions and that I did not make, I did not authorize those transactions nor sign for any of these charges. I received a letter via email that my claims department advising my claim was denied due to proof the merchant sent in. I contacted BMO Harris to inquire what info the merchant could have provided that indicated the charges were valid. The representatives explained the merchant sent them pictures of that the deliveries were made and placed in front of a door. I asked what the door looked like and what the picture looked like and what was explained was not what is in front of my home nor is what is described to be my home and I explained this is not my house. BMO Harris refuses to communicate with me to verify the pictures, send me evidence of the pictures and wants to hold me responsible for fraud charges I DID NOT Make. I am filing this complaint because they are failing to give me money back and able to prove that these charges are in fact valid and delivered to my home address that is on file with them and on my Drivers License. I have provided some attachments below. I am requesting assistance in obtaining my money back from BMO Harris Bank.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

In accordance with The Fair Credit Reporting Act XXXX  account at XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX total XXXX has violated my rights. 15 u.s.c 1681 section 602A states I have the right to privacy. 15 u.s.c 1681 section 604A section 2 it also States a consumer reporting agency can not furnish a account without my written instructions I did not give no one on my credit report running instructions to put it on there
Consumer complaint received 2024-12-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: BC SERVICES, INC. (CA)

I've received repeated calls from the identified collections agency requesting my personal information and failing to provide any information about the debt. They claim to have also sent physical mail, which I have not received. When I asked for a license number after reviewing the CFPB website, they disconnected the call. I called back, but they refused to give me a license number over the phone.
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (VA)

First they lock my save and spend accounts and provide no reason why they did so. 
Then they demanded a copy of my most recent bank statement and copies of my drivers license. The license made sense but my bank statement? The way it had to be transferred to them does not seem secure but I begrudgingly did it in the hope I could get access to my own money again. That didn't work even though I was told that was all they needed. They then wanted additional IDs and for me to send photos of myself which seems really freaky. 

After going back and forth with this over a couple weeks I finally demanded they close my account and refund. I had to demand this several times over the phone and email and they continued to ignore me. 

I finally broke down and submitted a XXXX  complaint demanding they close the account and refund my money to my primary bank which was linked to my save account. Within a few hours I received a bubbly email letting me know that they were responding to my request and closing my account, they would then electronically deposit my funds back into my account. 

After several days I contacted them yet again to find out where my money was only to find out that instead of transferring the money back into my main account, as they promised, they mailed a check. 

The check never arrived at my home. 

Finally after several calls to their customer 'service ' department we find out that they mailed the check to an old address that isn't even on our account and hasn't been since XXXX of this year. 

The customer 'service ' representative begrudgingly agreed to send us another refund check this time to the correct address but adamantly refuses to expedite it in any way. Unfortunately that check was not received either. 

There are so many of us talking on social media about having these exact issues with this corrupt company that I'm shocked they are still in business. I know they have lost multiple class action lawsuits for their fraudulent business practices.
Consumer complaint received 2022-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

I am disputing an unpaid collection of {$880.00} on behalf of XXXX. The company that is charged to collecting the debt is Convergent Outsourcing last reported XX/XX/XXXX. The debt is showing on my credit report and the debt has been duplicated with another agency as well reporting to the credit bureau on XX/XX/XXXX. XXXX XX/XX/XXXX I made successful payment arrangements with XXXX XXXX the other agency also charged with settling the unpaid collection of {$1600.00} on behalf of XXXX to resolve the debt. I have only XXXX with XXXX. The account was opened in XXXX to XXXX. I do not understand why this collection is showing on my credit report from XXXX companies, different account balances, and both companies representing XXXX.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

I had a XXXX XXXX XXXX through XXXX XXXX. 
My monthly payments were set up for automatic bank draft on the XXXX of each month. 
XXXX sold my account to XXXX XXXX XXXX ; I am not sure of the exact date this occurred. 
I was not notified by XXXX XXXX. 
My account was not drafted as scheduled on XX/XX/2022. 
XXXX reported the account as delinquent on XX/XX/2022. 
I was not notified by XXXX XXXX XXXX 

I do not have the " new '' account number or any other pertinent information to make payments with XXXX. 
I became aware only when I received a credit monitoring alert stating that my FICO score dropped by XXXX points. 
My total balance is {$170.00}. 
The last posted payment to XXXX XXXX was on XX/XX/2022.
Consumer complaint received 2022-09-28
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. (GA)

I am sending again a complaint in regards to the inaccurate and unknown things on my credit report. It has been over many days and I have not received a response yet. There are multiple errors shown in my report. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please remove these items. Do so, to comply with FCRA which requires all reporting to be 100 % accurate. 
Here are the list of items that needs to be delete in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-18
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: Self Financial Inc. (TX)

In Accordance with the FAIR credit REPORTING act everything has to be 100 % accurate on my credit report. 

This account " SELF/XXXX XXXX  XXXX was closed threw consent between the creditor and the consumer. This account is no longer associated with " XXXX XXXX XXXX '' credit profile. This is grounds for removal they also violated my rights under 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 consent.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2022-09-28
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. (IL)

I have been attempting to correct/resolve inaccuracies and misinformation reported by a creditor to the bureaus regarding my account. The misinformation reported to/by the bureaus have gravely impacted my personal finances and also requires me to certify false information in order to access my personal credit reports/profile. As of XXXX & XX/XX/2022, I have provided numerous documents from the creditor regarding my full account details/summary and side-by-side credit reports displaying the inconsistent/inaccurate reporting from the creditor across all bureaus. After submitting my supporting documents and statements, Equifax certified that the information provided to them by XXXX is accurate which is not true! In accordance with the FCRA, the account listed below has violated my federally protected consumer rights for fair and accurate reporting under 15 USC 1681 : 15 USC 1681 - section 602 ( a ) ( 4 ) - states that consumer reporting agencies need to insure that they exercise fairness, impartiality, and a respect for the consumer 's rights to privacy. 15 USC 1681 - section 611 ( a ) ( 1 ) ( A ) - states that if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, the agency shall conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, OR DELETE the item from the file before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 15 USC 1681 - section 623 ( a ) ( 1 ) ( A ) - states that a person shall not furnish any information in relation to a consumer to any consumer reporting agency if the person/company knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681 - section 623 ( a ) ( 1 ) ( B ) ( ii ) - states that a person shall NOT furnish information relating to a consumer to any consumer reporting agency IF : the information is, in fact, inaccurate.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX I payed a local plumber, XXXX XXXX XXXX XXXX through XXXX to snake my main drain pipe. XXXX way through the job he tells me my pipe is damaged, and it may breaks his snake. He pretends to be affiliated with another plumbing company XXXX  XXXX. He tells me XXXX receive a discount. he helps me calls them, gives over his name to set him self as the referral bonus, then leaves. XXXX XXXX come, and they charge XXXX to snake with a cutter. There was no discount. They take video evidence of what my drain looks like before and after. I tell XXXX XXXX what happens there customer service person tells me to contact my bank and have them charge back the account. 

I call Capital one to intiate an investigation ( Claim ID : XXXX ). 

The claim was denied 3 times, and I was told they can not charge back the money because the merchant ( XXXX ) will not comply. 

I was scammed by someone, and have documented evidence, and not a single person can help me.
Consumer complaint received 2022-09-19
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. (VA)

First off i would like to state that i am not receiving any help from a 3rd party with this, this is soley me XXXX XXXX writing this complaint. My complaint is simply concerning my credit reporting. i viewed my credit reports ( XXXX transunion and XXXX ) what shocked me is that items were removed from my credit report, but what i noticed is that those same removed items from my credit report has now been re entered on my credit report and that is a XXXX XXXX account that was removed and re entered on XXXX, XXXX and transunion there was a 2nd account that was removed and reentered, account XXXX XXXX XXXX, i never received anything in writing of the reinsertion in writing, not later than 5 busniess days after the reinsertion on my credit report, Another thing is i noticed that a medical account is on my credit report which is a frca violation as well in 15 usc 1681a ( 3 ) it says the exclusions from a credit or consumer report and medical information is one. CFPB i am certain that you will see this and not see it with any discrimation
Consumer complaint received 2022-09-19
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. (VA)

First off i would like to state that i am not receiving any help from a 3rd party with this, this is soley me XXXX XXXX writing this complaint. My complaint is simply concerning my credit reporting. i viewed my credit reports ( equifax XXXX and XXXX ) what shocked me is that items were removed from my credit report, but what i noticed is that those same removed items from my credit report has now been re entered on my credit report and that is a XXXX XXXX account that was removed and re entered on equifax, XXXX and XXXX there was a 2nd account that was removed and reentered, account XXXX XXXX XXXX, i never received anything in writing of the reinsertion in writing, not later than 5 busniess days after the reinsertion on my credit report, Another thing is i noticed that a medical account is on my credit report which is a frca violation as well in 15 usc 1681a ( 3 ) it says the exclusions from a credit or consumer report and medical information is one. CFPB i am certain that you will see this and not see it with any discrimation
Consumer complaint received 2022-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NY)

I got scammed on XX/XX/XXXX on a sunday between XXXX XXXX  and XXXX XXXX  of the amount of XXXX dollars I was sopost 2 send a 1 time payment 2 this women but she scammed me in texting me as if it was zelle assuring me that my money didnt go through due to my protection and my money was refunded so I kept trying and yea she just ended up scamming me preety bad I have the documentation for proof and zelle nor my bank want 's 2 refund me so Im here asking for help please and thank you there must b something I can do this women did fraud and pretended 2 be zelle and I'm a fool for falling for it but had no clue zelle didnt do that
Consumer complaint received 2022-09-19
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  XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX account 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.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.