davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation (AZ)

I've been contacting Bridgecrest and the credit reporting agencies for over a year now trying to get correct documentation to verify this debt, and even offered to pay them. I have not received any responses back over the past year. I gave them time considering the pandemic, but they have yet to respond. I'm attaching all of the letters including the certified mail return receipt notices from USPS. For proof I've also attached a copy of the XXXX XXXX XXXXXXXX So, since I have not received a response, the company and the credit reporting agency have violated my consumer rights and I would like to have this account removed from credit report with no balance owed, seeing as though I also offered to pay them. They also never put the account in dispute status none of the times that I've disputed the account, and that is a violation of my consumer rights as well.
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (VA)

I have noticed inaccuracies in my payment history that I believe do not reflect my true payment behavior. It is essential for me to maintain an accurate credit report, and I kindly request a thorough review of these discrepancies. I believe that my overall history with Navy Federal Credit Union demonstrates my commitment to meeting my financial obligations. I wish to exercise any resource possible to remove this inaccurate information and invoking my rights as a consumer as well as XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION (UNITED STATES MINOR OUTLYING ISLANDS)

I am writing to dispute a car loan account associated with my name, specifically account number [ XXXX ] in the amount of {$30000.00}. Date opened, XX/XX/year> due tq identity theft. I have recently discovered that this loan was fruadulemtly opened in my name without my authorization. Additionally, i have not signed a promissory note or any other documentation related to this loan. 

As a victim of identity theft, i am exercising my right under The Fair Credit Reporting Act ( FCRA ), The Fair Debt Collection Practice Act ( FDCPA ) and The Identity Theft and Assumption Deterrence Act ( ITADA ). these laws protect individuals against fruadulent activities and incorrect credit reporting. Specifically, these statues entitle me to dispute unauthorized accounts and demand the removal of such fruadulent entries from my credit report.
Consumer complaint received 2023-05-09
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: FIRST INTERSTATE BANCSYSTEM, INC. (MT)

I have sent many Disputes to XXXX concerning an account with First Interstate Bank, First Interstate Bank has always verified information about this account. I have contacted First Interstate State Bank to request a Payment History and First Interstate Bank was unable to provide a Payment History for this Account, they could not find the account. The account information is taken from an XXXX credit report dated XX/XX/XXXX, XXXX Confirmation number is XXXX. The account number in question is XXXX from FIBANK XXXX XXXX XXXXXXXX XXXX  MT XXXX : XXXX. 
According to the report from XXXX the account was opened XX/XX/XXXX. The Terms Duration is left blank with no information ( Error 1 ). Months Revd is 99 This is incorrect ( Error 2 ). Amount Past Due is left blank ( Error 3 ). Actual Payment amount is left Blank - incomplete ( Error 4 ). Scheduled Payment Amount left blank inaccurate ( Error 5 ). Date of last activity was XX/XX/XXXX, Date of Last Payment was XX/XX/XXXX how can you have a payment after what is supposed to be the last activity a month later - incorrect information ( Error 6 ). This account was opened from XX/XX/XXXX with the last payment showing as XX/XX/XXXX. How can an account that was open 4 years and 1 month have a reported Account History with only 2 months - XX/XX/XXXX and XX/XX/XXXX showing ( Error 7 ). By law FCRA, Section 609 and 611, First Interstate Bank and XXXX are required to report information accurately. Information is incorrect, missing, inaccurate from both companies.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I checked my credit report today and found XXXX accounts that I do not recognize. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the companies and discovered that I do not have a signed contract or consent agreement with any of them. The negative information on these accounts are hurting me and my credit worthiness. And also causing me privacy issues. I only operate in the private for my protection and the protection of others. Therefore, I am seeking redress to demand the accounts be permanently deleted from my credit reports.
Consumer complaint received 2024-11-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (LA)

I am a XXXX, and I am applying to utilize the Louisiana Servicemembers ' Civil Relief Act. Most credit card companies are not aware of the provisions this provides as opposed to the federal SCRA ; it includes the reduction of credit card interest rates to below 6 % and the reimbursement of interest charges that were paid before the reduction. This applies to credit card accounts opened while on active-duty service, as opposed to the federal SCRA which only applies to those before entering the service. When contacting credit card companies in the past, they have refused to follow the policy due to their familiarity with the federal SCRA.
Consumer complaint received 2021-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2023-08-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 XXXX
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Valley Collection Service, LLC (MO)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally reporting consumer rights to privacy and confidentiality under 15usc 1681, accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ma XXXX Accounts # XXXX XXXX XXXX number # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Az XXXX Also XXXX XXXX accounts # XXXX Accounts # XXXX Accounts # XXXX 15 u.s.c 1681 section 602 15 u.s.c 1681 section 604 Reporting agency can not furnish an account without my written authorization consent.

Also any negative items report on all my 3 credit bureau must be '' Deleted '' and removed from my credit report.

Sincerely; thanks I appreciate.
Consumer complaint received 2016-03-31
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MO)

I do not owe a {$91000.00} mortgage on the property at XXXX XXXX. 
I do not use a {$100000.00} line of credit I paid off in XX/XX/XXXX. 
I do not use a {$24000.00} line of credit I paid off in XX/XX/XXXX. 
I did not refinance a {$33000.00} VA loan on XXXX XXXX. 
I did not borrow any down payments I paid off the {$260000.00} loan released in XX/XX/XXXX with the {$260000.00}. 
They want me to pay again. 
I paid off the {$240000.00} balance with the {$360000.00} I paid to Indymac. 
I paid off the {$49000.00} XXXX principal balance with the {$49000.00} paid to XXXX and {$5700.00} paid to XXXX. 
I paid the taxes and and insurance with the {$70000.00} difference in the 7 % XX/XX/XXXX mortgage supposedly paid off in XX/XX/XXXX and the {$260000.00} Indymac/XXXX mortgage at 4.34 % The XX/XX/XXXX XXXX loan paid off the XX/XX/XXXX mortgage that was refinanced in XX/XX/XXXX The XX/XX/XXXX refinance paid off the loan recorded and released on my neighbors lot XXXX in XXXX XXXX. 
Paid off again by a XXXX mortgage from XXXX XXXX that did not pay off anything. 
XXXX XXXX used a paid in full line of credit to pay off a VA loan I had already paid off. 
And a {$24000.00} line of credit along with the {$18000.00} paid to XXXX/ XXXX {$9400.00} + {$2700.00} {$14000.00} of credit to pay off {$14000.00} paid to midland I wish to pay off the current balance with the {$120000.00} lines of credit and the {$91000.00} mortgage on my duplex. 
{$220000.00} + the {$130000.00} + XXXX {$140000.00} paid to the VA mortgage. 
= {$360000.00} They only owe me {$140000.00} for the VA loan. 
Credit cards. They can use the {$170000.00} individual payments to pay the {$100000.00} principal balances ( that were also discharged in my bankruptcy ). 
They can return the remaining {$73000.00} credit and the {$30000.00} paid to XXXX for the {$100000.00} line of credit. And refund the {$24000.00} used to pay the escrow to the duplex for the new buyer for the {$4700.00} Ocwen loaned me on my {$5000.00} HAMP incentives. Instead of the {$5700.00} XXXX payments Ocwen used to pay to XXXX for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX taxes they did n't have to pay ( because I paid it off early ). 

In all I have paid all of the {$510000.00} on the XX/XX/XXXX mortgage I had paid all of the {$130000.00} on the XX/XX/XXXX duplex loan. 
I paid all of the {$99000.00} on a VA loan I assumed and never refinanced. 
For the above I paid all monthly payments with taxes and insurance to pay off 15 year loans on each property. 
Plus the {$41000.00} duplex payoff in XX/XX/XXXX and another {$62000.00} to XXXX XXXX from the foreclosure. 
I didn't/do n't owe anyone anything on the VA loan paid in full I did n't use or authorize and gave no one any security interest in a line of credit on my duplex from XX/XX/XXXX. 
I did n't use, mortgage or owe anyone any money on {$24000.00} line of credit on my house from XX/XX/XXXX. 
I do n't owe and could not mortgage my neighbors property. 
I do n't owe anyone else anything for any other recording errors.
Consumer complaint received 2024-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

XX/XX/year> I was at work around XXXXXXXX XXXX  and k received a message from Wellsfargo sending me a receipt of a ATM withdrawal of a bank that I never go because I dont usually take money form atms, the receipt was for {$150.00}, as I said at was working at the moment ( attached my clock in and out from my job ) so I checked my account and they did XXXX transaccin XXXX for {$150.00} and another one for {$800.00}, I called the bank and open a fraud report, change and block my cards, pins and username from my mobile bank, the same day went to the Police and open a police fraud report which I have the nmero of the report, yesterday XX/XX/XXXX I called the bank again to know the status of my claim and they said it was already declined, they declaiming a claim that they not even doing a proper, they saying that the card was used to take the money ( I had the physical card with me that day when everything happened ) nobody elses ideas my card but me, so they already decided to decline not even checking the cameras of the ATM that is part of their branch. I went to the bank today XX/XX/XXXX and they called the fraud department explained everything again and told me that they not even giving me the opportunity to open another claim which it was weird even for the banker that was helping today because they had a final decision not even mentioning that they checked the cameras when he asked, so they didnt check them and so that was their final decision based on nothing because they haven done a proper investigation, the banker even mentioned me if could be a good idea
Consumer complaint received 2023-04-24
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. (MI)

I am writing in regards to the account number XXXX that the company, XXXX XXXX XXXX, has listed on my credit report. I have previously contacted your company requesting validation of this debt, and to date, I have not received a response or any documentation that verifies this debt or a signed contract. 

As I stated in my previous correspondence, I have no knowledge of this debt and have never entered into an agreement with your company. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of the debt and to dispute its validity. Your company has failed to provide me with any documentation that proves the validity of this debt or a signed contract. 

Therefore, I request that you remove this account from my credit report immediately. Your failure to provide validation of the debt or a signed contract is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

I also request that you cease all collection activity on this account until you can provide me with the requested documentation. Any further attempts to collect on this debt without providing verification are illegal and a violation of my rights under the FDCPA. 

I urge you to take immediate action to correct this error and provide me with the requested documentation. I look forward to your prompt response to this matter.
Consumer complaint received 2024-11-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CCF Intermediate Holdings LLC (GA)

I went in to TitleMax in the XXXX Georgia location to get a loan of {$2200.00} after she transferred the money into the titleMax Customer Service worker said that there was a {$1400.00} credit balance and I said why didnt you tell me that in the beginning I wouldve asked for her to deposit {$3600.00} instead of XXXX. Then when I went to take out the remaining XXXX online, it wouldnt let me it told me that I had to make a payment before I could receive the remaining {$1400.00} in my account or any money for that matter I couldnt make a payment due to hardship and Titlemax took my vehicle from a parking lot while I was inside the store I came outside. My car was gone. I had to reclaim my vehicle at XXXX insurance auction off of XXXX XXXX in XXXX Georgia. I paid XXXX insurance auction {$1000.00}. I then reclaim my vehicle months later again still having hardship. I was inside of a store came out to get into my vehicle and TitleMax had taken my car again. Left me stranded and now says that I owe the full payoff amount of {$2800.00} and they repossessed my vehicle refused to give it back. They wouldnt take it off of the forklift and I am stranded without a vehicle. TitleMax called me every single day and harassed me about the payment. There were XXXX workers or XXXX or XXXX workers in that store located in XXXX Georgia off of Highway XXXX on or in between XXXX XXXX XXXX and XXXX XXXX XXXX again they called and harassed me every single day for payment. age XXXX female living in XXXX, Georgia XXXX XXXX, Georgia, XXXX
Consumer complaint received 2024-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MI)

I e-deposited a check from XXXX, XXXX for {$1100.00} on XX/XX/XXXX. The next day, Wells Fargo withdrew the funds and placed a hold on the deposit until XX/XX/XXXX, instructing me to contact the check issuer. After speaking with the issuer, I was told that the bank 's actions might be within federal guidelines. When I called Wells Fargo to understand why the hold was placed, they only stated that they were following federal guidelines. When I questioned the reason for the hold and mentioned that the duration seemed excessive, the representative became defensive, insisting that the hold was standard practice. I explained that I had cashed many checks before and that this situation was not typical. I asked which specific federal guidelines they were referring to, but they refused to provide details. The representative assured me that the funds would be available on XX/XX/XXXX but, when I mentioned that the issuer confirmed the funds were with the bank, I asked why Wells Fargo was holding the transferred funds. The representative then questioned whether I was certain about the issuer 's statement and suggested it was a matter of the issuer 's word against the banks. The conversation continued unproductively for about two more minutes, after which I indicated that I would reconsider my relationship with the bank. The call ended with the representative responding with a hostile, Have a good day.
Consumer complaint received 2023-04-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (CA)

I tried to reach the bank today XX/XX/XXXX by phone, to open a disput on 2 transactions made with my debit card. Was impossible to speak with a representative, long time waiting. 
I need to dispute these 2 transactions for merchandize not received. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} It was 2 smartphones XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00}, it was a smartphone XXXX XXXX XXXX XXXX XXXX Both purchases must be delivered on or before XX/XX/, I tried to contact the merchant on XX/XX/XXXX by phone and contact webpage form. Nobody answered.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Americas Car-Mart, Inc. (TX)

I am disputing a charge off on my credit report by the name Americas Car Mart Account opened in XX/XX/2020 I was listed as a co signer charge off amount XXXX dollars I did not authorize this account to be put in my name as a co signer the day the account was opened my relative was at the car lot and the salesman told her if she get list someone as a consigner her payment would be lowered she authorized the agent to run the credit report with me listed to see how much it would lower her payments and I told her to not list me as a co-signer when she got the car taken I then found out I was the co signer and the carlot refuses to remove this account from my credit
Consumer complaint received 2024-11-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (CA)

Sent documents regarding SCRA to Moneylion on XXXX, received no response until XXXX that they would not apply SCRA benefits as my debt was incurred during XXXX XXXX. It was previously stated that I am an XXXX  XXXX, and attached the laws specific to me for convenience multiple times, and was once again denied on XXXX. 
Paid off loan # XXXX : XXXX Paid off loan # XXXX : XXXX Current loan : XXXX
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Prosper Marketplace, Inc. (NC)

I have an issue with Prosper Credit Cards. They reported a 30 day late payment when in fact it was paid. I have the receipts proving that although I was about 20 days late the card was paid before the 30 days required for reporting. Mainly due to the effects of hurricane Helene, where I lost connectivity for several days due to my house being hit by a tree.