davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-13
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (GA)

I filed a previous complaint # XXXX w/CFPB against BridgeCrest regarding erroneous credit reporting to the 3 credit bureaus. BridgeCrest stated in their response that they would remove the delinquent mark from my credit report. They failed to remove the delinquent mark. I filed a dispute w/ the 3 bureaus. The investigation was completed when BridgeCrest verified the delinquencies. BridgeCrest violated the FCRA by re-aging the account and reporting it to XXXX XXXX and XXXX. They also violated the FCRA by verifying inaccurate information. By them updating the bureaus to report the Date of First Delinquency was XX/XX/2020, this created a severe negative impact on my credit. It also extended the 7 year period the delinquent account remains on my credit. When the bureaus investigated the inaccuracies BridgeCrest failed to correct the errors through a legally required proper investigation. They instead verified wrong information and confirmed their illegal act of re-aging an account. 

I included 6 attachments to prove my claim. 

1 ). Bridgecrest CFPB Response - is the document to where Bridgecrest stated they will correct the error. The statement is highlighted in yellow. 

2 ). XXXX  Bridgecrest Tradeline Pages 1-2 - Give evidence to the erroneous reporting. Please notice ( on pg2 ) Date of First Delinquency, Last Payment, and the day the account was closed was reported as XX/XX/2020. I believe this was a vindictive act. 

3 ) .XXXX  XXXX XXXX XXXX Evidence Bridgecrest Verified the inaccurate reporting. 

4 ). XXXX  XXXX XXXX - Evidence Bridgecrest Verified the inaccurate reporting.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove

these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed below. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE!

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (NY)

I opened up a TD Bank account checking account on XX/XX/XXXX for a {$300.00} checking bonus promotion. I met the terms and conditions of the bonus ( including {$2500.00} in direct deposits ) and I still never received the bonus and it has been 4 months now. Below are the 2 direct deposits that I did. 

XX/XX/XXXX ACH DEPOSIT, XXXX XXXX XXXX XXXX XXXX TD BANK XXXX XX/XX/XXXX ACH DEPOSIT, XXXX XXXX NA PAYROLL XXXX TD BANK XXXX
Consumer complaint received 2024-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION ()

PAY FOR DELETE collection XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX [ date ] XX/XX/year> [ capital one [ Collection Agency adress XXXX Virginia [ City, State, ZIP Code ] Dear [ capital one ] I am writing to you in regards to a debt that I allegedly owe, which is being pursued by your agency. I understand the importance of resolving my financial obligations, and I would like to propose a resolution that benefits both parties involved. 

I am willing to offer a payment of [ Insert agreed-upon amount to settle the debt ]. In exchange for this payment, I kindly request that you agree to remove any and all negative information associated with this debt from my credit reports with all major credit reporting agencies, including but not limited to XXXX, XXXX, and XXXX. 

Please note that this payment is not an acknowledgment of the debt 's validity but rather a gesture of goodwill to resolve the matter. I request that you consider this offer as a full and final payment for the debt in question. 

Furthermore, I kindly request that you provide written confirmation of our agreement once the payment has been received. The confirmation should state that you will remove all negative information related to this debt from my credit reports within [ Insert reasonable timeframe, e.g., 30 days ] after receiving the payment. This agreement will be considered binding once the confirmation is provided. 

I also request that you refrain from selling or transferring this debt to any other third party, as it may result in further negative reporting on my credit history. I believe that resolving this matter in a mutually agreeable manner will be beneficial for both of us. 

Please find enclosed a cashier 's check/money order in the amount of [ Insert payment amount ], payable to [ Debt Collection Agency Name ]. Kindly provide me with the necessary instructions for making the payment if different from the aforementioned methods. I urge you to consider this proposal seriously and to respond in writing within [ Insert reasonable timeframe, e.g., 14 days ] of receiving this letter. Failure to respond within the given timeframe will be considered a rejection of this offer, and I will have no further obligation to settle this debt. 

Thank you for your attention to this matter. I look forward to receiving your prompt response and the subsequent resolution of this issue. Should you have any questions or require any additional information, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, [ XXXX XXXX
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

The property manager XXXX XXXX has tried to collect on debt not owed. After being granted ONLY possession of the apartment she manufactured damages and court cost. I was represented by counsel and the court ordered possession ONLY. It was after my attorney request my security deposit ( {$1200.00} ) and an additional over payment ( {$200.00} ) the falsified damages and court fees. Their clients XXXX XXXX XXXX  was unsuccessful in court and was NOT awarded monies in the judgment ONLY possession of the apartment was granted 30 days after the ruling was give. I was out of the apartment during the court proceedings and have video of the undamaged apartment empty. This is a clear attempt to commit fraud by XXXX and XXXX XXXX XXXX. 
XXXX XXXX charged damages and rent after I was no longer living in the property and there is NO COURT ORDER awarding 1. Attorneys fee, 2. Damages of anything related to the property 3. I was charged rent in XX/XX/2021 and XX/XX/2021 when I have a lease showing I was moved completely out by XX/XX/XXXX which was before we went before the judge in XXXX XXXX landlord tenant court. The court DID NOT order damages or any rent. The property hired a contractor to completely gut and updated ALL FIXED on the property and repair the brokers heat that was the reason I moved. The are trying to make me pay for 5 years worth of basic wear and tear on an apartment. When I moved in 5 years prior my apartment has old carpet and was vacant for over 6 months it was never painted or even had replaced carpet the entire 5 years I lived there and I paid rent 5 years straight never late. If they claimed I owe for anything we need to have a judge order that by fraudulently creating damages and charging rent and his is clearly fraud. We will be forwarding this to the court. And we request proof from the court where these alleged damages were proven and a judgment was granted in their favor.
Consumer complaint received 2021-04-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

On XXXX XXXX I received a profile update confirmation e-mail. It stated that my security profile information had been updated and that if I had not made these changes to contact Bank of America customer service immediately. I immediately contacted BOA customer service and spoke with a customer service rep who verified all of my security info and assured me that everything was ok and secure and that there were no problems with my account. That same evening a fraudulent transfer in the amount of {$7000.00} was made from my account! On XX/XX/2021 another fraudulent transfer was made in the amount of {$3800.00} which completely drained the account! I was not regularly monitoring the account balance and was not aware of the problem until XX/XX/2021 when I attempted to use the card and it was declined. Upon returning home I attempted to log into my account and could not, reason given was invalid security information. I immediately contacted BOA customer service who made me aware of the ACH funds transfers that had been made from my acct. I assured them that I had not made these transfers and that I could not log into my acct and it was verified that my account had been hacked and my security info had in fact been changed. I spent 4 hours on the phone with BOA that evening speaking to customer service reps, customer protection reps, cyber security reps, fraud investigators and claims representatives. I was told that the investigation may take up to 45 business days and that they would be in contact. My understanding is that the funds should have been returned after 10 business days. On XX/XX/2021 I contacted BOA to ask the status of my funds and after getting the run around from customer service and claims reps I ask to speak to a XXXXXXXX who told me she could find no record of my claim. After another 2 hours on the phone another claim was supposedly filed and I was told the funds would be returned to my account within 10 business days. On XX/XX/2021 I again contacted BOA and spoke to another claims XXXX about the status of my funds, she found the notes of the previous supervisor which said a claim was submitted but there was no record of it ever being processed and she could not give a claim number. She filed another claim and assured me the funds would be returned to my acct by XX/XX/2021. Later on XX/XX/2021 {$3800.00} was returned to my acct. I waited till XXXX, XXXX and the remaining {$7000.00} had not been returned so I called BOA again and spoke to another XXXX who could find no record of a claim for the remaining funds and filed another claim for the {$7000.00}. It is now XX/XX/2021 and I have spoken to yet another claims XXXX who says there is a claim filed but can't tell me when or even if my remaining funds will be returned to me!
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (CA)

In relation to my previous claim - XXXX. 

I have noticed a charge on my XXXX for Experian again! XX/XX/2021 PLEASE STOP CHARGING ME. I don't know what my options to deal with this, it's like this big company just takes my money and I can't do anything about it.
Consumer complaint received 2020-12-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (NC)

I sent MEDICREDIT, INC a debt validation letter on XX/XX/2020 and they sent back a letter on XX/XX/2020 saying they need additional infromation as they are currently investing the matter. I sent them my name and address and I have yet to hear anything back from them.
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (VA)

Since my husband and I refinanced our mortgage with United Wholesale Mortgage ( UWM ) in XXXX of XXXX, every mortgage payment we have made has been misapplied to principal instead of the monthly payment and additional principal, reversed, and then reapplied against the correct payment due, with a delay. I have called on multiple occasions to resolve this, and have been told things like " you must have selected the wrong option '' ( which is not accurate ) or " the payment was misapplied, but we've fixed it, '' or " there's a glitch in the system. '' The last time I spoke with UWM customer service, I told them that the next time this happened, I would contact the CFPB, and they assured me that it would not happen again. Despite their reassurance, on XXXX XX/XX/XXXX, this happened again.
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (MA)

On XX/XX/2021, I wired XXXX US to the XXXX XXXX XXXX XXXX BB & T Bank ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Acct number XXXX in the name of XXXX XXXX XXXX ) for the purchase of a boat. 
I soon realized that I was scammed and asked BB & T to return the money. I also asked my bank XXXX to ask for the money back. 
To date BB & T has refused to reimburse the money to me or to XXXX. They have also declined to pursue the owners of the account which was used for the scam. 

XXXX has rolled over and accepted this outcome. 
Attached are the details of the scammer 's account. I would also like to add that I remained in touch with one of the scammers and begged the XXXX to track the owner of the scammer 's email account. I had no acknowledgment that this was done.
Consumer complaint received 2020-12-29
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. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2020-12-29
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. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I opened an account with Bank of America which was promptly closed as soon as I put money into it. I went into the bank and the bank manager opened me a new account saying this will not happen again. I then started moving my assets into this new account, including cash deposit and paycheck deposit. Less than 5 hours after I made the cash deposit they decided to close my account and told me they are " mailing a check '' with my funds on it. I did not bring cash in there 5 hours ago just for them to mail it back to me in a check. I suspect this bank is committing fraud on a regular basis and I demand compensation.
Consumer complaint received 2020-12-29
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: Experian Information Solutions Inc. (NY)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MN)

Credit went from. Good to poor, due to identity theft, in last 8 months. All federal Pell grant, loan, and ssdi 'missing ', and it seems like XXXX XXXX would prefer I XXXX  rather than help me- just judging from their continual XXXX of my supposed character.
Consumer complaint received 2022-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc. (CT)

Beginning the end of last year into the first few weeks of this year, I was XXXX  as a result of complications due to XXXX. Given that I was out of work and fighting for my life, I fell behind on my credit card obligations. Which included the credit card I hold with Avant. I was assessed a {$25.00} late fee on XX/XX/22 and a {$35.00} late fee on XX/XX/22. My account has since been brought current and I requested to have the late fees I incurred waived due to the unforeseen circumstance. I was denied and also spoke with a supervisor all to no avail. I wasn't even alloted a courtesy waiver of one fee. Which is a customary pratice among credit cards. Their response to their customers ' plight is reprehensible.
Consumer complaint received 2021-04-13
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. (AZ)

I just got off with a rep from Transunion and verified who i am. They did not know why I even needed to call in. She said you received my dispute request and its in progress what the XXXX is going on over there. Oh and my calls record too. You close my first complaint saying need auth and your rep didn't understand why. This investigation is taking to long. My original complaint : Hello. I am writing this complaint because Transunion has failed to complete an investigation or have failed to communicate back any status of an investigation. On XX/XX/XXXX I sent a letter disputing a few inaccurate items found my credit report as well as a notarized id letter, my drivers license, and bank statement for proof of address. I wish I could have known about them before a lot of my recent financing. I never heard back after my first letter. After some online research I know it is against FCRA to take longer than 30 days. Due to covid I just submitted a Follow up letter, that was on XX/XX/17. I wanted to involve the CFPB because its now been almost 45 days and I do not want my disputes neglected. Please deleted these inaccurate items from my report
Consumer complaint received 2021-04-13
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. (IN)

On XX/XX/XXXX a collection appeared on my credit report from XXXX XXXX a debt collector for a supposed account from XXXX XXXX. The account stated it was opened in XX/XX/XXXX for {$630.00}. I disputed this information with Experian and today XX/XX/XXXX they updated the account to show it was now originally opened XX/XX/XXXX. I have never been notified by this XXXX nor XXXX XXXX that I owe a debt to either. I have requested information from both XXXX and Experian and the only information I've been given is that the dates changed. Under the Fair Credit laws aren't I entitled to be notified of debt prior to a company just reporting information to the credit Bureau. Also aren't the credit bureaus supposed to investigate inaccurate information reported to them?
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

EQUIFAX IS REPORTING WRONG DATE OF BIRTH IN MY CREDIT FILE. 
THE CREDIT BUREAU FAILED TO INVESTIGATE OR PROVE 100 % ACCURACY OF ALLEGED CREDIT COLLECTION ACCOUNTS LISTED BELOW. 

DATE OF BIRTH LISTED IN MY CREDIT FILE XX/XX/XXXX( INACCUATE ) ACCOUNT # XXXX ( COMPLETELY INACCURATE ) ACCOUNT # XXXX ( COMPLETELY INACCURATE ) XXXX XXXX XXXX
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern, I am displeased by this oversight and hereby urge you to promptly address and rectify all inaccuracies present in your records. I request that immediate action be taken to ensure the integrity and accuracy of my credit profile is restored without delay. Additionally, I ask that you eliminate any employers and phone numbers associated with my credit report. According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Listed below are the Personal Information that are being challenged : Employer - XXXX XXXX XXXX  Employer - XXXX Employer - XXXX XXXX XXXXXXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Employer - XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect Current Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, Consumer Financial Protection Bureau, My identity was stolen and since XX/XX/23 someone has used my social, name, and address to acquire lines of credit in my name. I froze my credit with all three bureaus on XX/XX/23, and the identity thief called Transunion XX/XX/23 and passed their verification without a pin number and got my credit unfrozen. Their verification process often only asks for XXXX and a current address which an identity thief would already have. The person then took out a {$58000.00} auto loan and drove a car off the lot in my name on XX/XX/23. 

I have filed a police report about the incident with XXXX XXXX Police Department and re-froze my credit. 

The loan would have not gone through had Transunion asked for the pin and not allowed the person to unfreeze my credit. I live alone and I have not shared my pin with anyone, so it is impossible for anyone else to have it. Transunion asks basic questions that are on a credit report to verify someone then unfreeze accounts which is dangerous. 

Please investigate.