davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (GA)

On XX/XX/XXXX I was in a car accident. The other driver was at fault. My car was totaled. 
The insurance company XXXX took forever to close the claim. XXXX sent the payoff check on or around XX/XX/XXXX to Bridgecrest for my XXXXXXXX XXXX  in the amount of {$14000.00}. I had XXXX insurance with XXXX, XXXX paid {$7000.00}. We all worked together to get the correct amounts and documents to all companies. It took XXXX until XX/XX/XXXX to finish the claim on their end. I paid a remaining balance of {$1100.00} on XX/XX/XXXX when I found out there was a remaining balance holding up my account being closed. 

The pay off was {$21000.00} The total paid was : XXXX Bridgecrest owes me {$1100.00} back immediately. They have horrible accounting practices Come to find out, Bridgecrest closed my account and made it a CHARGE OFF as of XX/XX/XXXX, knowingly I/we were working with XXXX  to close this account. This has impaired my credit for XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. I was on time with my payments. I suffered a total XXXX XXXX from this accident. 

I have contacted Bridgcrest for the past 25 days and 17 business days for them to correct this error and correct my credit on all 3 bureaus. I have emailed the CEO, Chairman and CFO regarding this account error. XXXX on the Executive Team of Bridgecrest accounts can be reached at XXXX. I have emailed them 8 times, I have recorded calls as we all agreed to have recorded calls when they call me or I call them. I have provided them with documentation and requested them to correct my account credit by going back to the date of incident as stated by Bridgecrest, removing all late payments and correcting the chargeoff status on all 3 bureaus with correct amounts reflecting immediately. 

I have not received any updates or letters of credit or resolution in 20 days. I need help. This is unlawful and unfair. I have rights as a consumer
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

I am reaching out and seeking counsel to file a lawsuit against Navy Federal for improper debt collection and the illegal freezing of my and my husband 's accounts. Upon thorough examination, it has come to our attention that there are substantial irregularities in the legal procedures followed, and we believe that the actions taken by Navy Federal may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ).

This is in direct contradiction to the provisions outlined in the FDCPA, specifically, Section 807 ( 11 ), which expressly prohibits the false representation or implication that a debt collector has the authority to seize, garnish, attach, or sell any property or wages without a valid court order or proper legal process.

Additionally, our due diligence has uncovered disturbing information about XXXX XXXX XXXX, who is not a law firm, but a debt collector. We have contacted the Supreme Court of XXXX XXXX, where it appears that a judgment was filed without proper presentation and assignment to a judge. Furthermore, we have received an email from an individual named XXXX, inquiring about the total amount frozenthis is the same individual associated with the initiation of the request. Moreover, attempts to contact XXXX and XXXX through provided numbers have been futile, as they are either disconnected or redirected to personal cell phones. It is noteworthy that XXXX and XXXX are not accredited through the XXXX XXXX XXXX, and multiple complaints have been registered against your agency. 

Additionally, I never signed an agreement with XXXX XXXX XXXX, and the response from Navy Federal that we have received, was because my husband has access to my accounts, they have to place a freeze on all of my personal accounts. Currently, we have $ XXXX that is being held up and no access to these accounts.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Throughout the time frame of XX/XX/year> to the present day, your company has repeatedly contacted me, claiming that I owe a debt under XXXX XXXX  account number XXXX. I do not believe that I owe this debt, and I have disputed it and allowed you appropriate time to show evidence of this debt to be valid, but you have disregarded these repeated requests to validate the debt. 

Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt.

I demand that you cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. A copy of the invoice and other pertinent documents is attached for your records along with a Final Demand for Payment.
Consumer complaint received 2024-08-01
Product: Credit reporting 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)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2022-11-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I gave Capital One {$250.00} to get a secured credit card. Filled out the application was approved, gave them my deposit. No ID required. 

I tried using the card and they said I have to send them proof of ID to use the card to access my deposit I gave them. I told them I don't have ID. I told them to cancel the card and give me back the money to me. They said they can't do that unless I produce ID. 

I'm basically a homeless Veteran just trying to get a card I can use to buy things rather than carry cash. I don't have any ID. I don't need ID in my day-to-day life. I told them it's like voter suppression, no ID no vote. They hung up on me. 

I just want my deposit of {$250.00} back. I don't have a home, car, job, or ID. I just have a po box to get mail. 

I did not need ID to get the card why do I need it to get my money back. I never was allowed to use the card either. 

There are a lot of people like me who dont have ID. We're not up to no good, it's just how we want to live.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Creditor is KNOWINGLY reporting an account XXXX XXXX XXXX XXXX that is incaccurate. I will dispute this until this is addressed or I will file a complaint with FTC and State Attorney General.

I have reached out about the account the creditor is reporting the address on this account that does not belong to me, this is also being reported as a debt that was paid as company cancled debt with 1099c and the debt was reported as taxable income and paid on my tax return there fore this is not a debt. 

The credit agency refuses to disclose whether they validated the information by performing an investigation I was told they do not have to validate the information as long as creditor reorts the debt This is a direct violation of my rights
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

You stated that the accounts in question were reporting accurately when I have provided proof that you are reporting incorrect late payment status ( See enclosed letter from company ). This is my final notice to your company regarding the inaccurate information. I am demanding that Experian remove the late payments reporting XX/XX/2018 for the mentioned 5 accounts. XXXX and XXXX have since updated this information. If this is not updated within 7 days, I will be seeking litigation in small claims court. I am tired of trying to correct your incorrect reporting when I can just sue your company for defamation of character and gross misconduct. Please be aware that FCRA violations can be awarded up to XXXX per violation. The account that is extremely inaccurate is the account that is reporting a balance of {$4000.00} to Experian while {$3500.00} report to XXXX and XXXX. I will attach each account that is incorrect. Update EVERY account to paid as agreed never late immediately. I am also notifying my attorney just in case we have to go to court for your negligence. See the attached dispute letter, response letter, and credit report and update or remove the accounts.
Consumer complaint received 2024-06-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have disputed multiple late payments with Capital One. These payments were all initiated before the due dates in 2022 but posted late due to USPS delays. Capital one has failed to correct the errors after my dispute. The incorrect late payments should be removed from my credit report. I am writing to formally dispute the late payments reported on my credit report, which are due to the delayed processing of my payments by Capital One. These late payments are inaccurately affecting my credit score and overall creditworthiness. I have consistently made timely payments to Capital One ; however, due to their internal processing delays, my payments have not been credited on time, resulting in the erroneous reporting of late payments on my credit report. This situation is beyond out of my control and unjustly penalizes me as a responsible borrower.
Consumer complaint received 2024-01-02
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. (NY)

Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, and Proof of Address with my most recent bill.
Consumer complaint received 2024-07-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MO)

I contacted the company on XXXX to understand the process for uploading my Education Debt Reduction Program ( EDRP ) forms. The agent instructed me to upload the forms and send a message indicating that I had done so. 

This morning ( XXXX ) I received an email starting I had a secure message. I proceeded to log in to retrieve the message, however it was not in my student aid.gov mohela account. 

I called Mohela and the agent and supervisor ( XXXX XXXX stated they couldn't find my forms of messages I sent last week. They also could not find out what the message they sent to me was. This is concerning as they are losing secure documents and communications.
Consumer complaint received 2023-05-23
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. (AZ)

I applied for the Class Action Settlement for the U.S Department of Education on XXXX my application number is # XXXX For the School of XXXX XXXX XXXX I received My Approval of my Borrower Defense Case Under Exhibit C of the Sweet v. Carbondale Settlement on XXXX. The approval letter states the Department of Education will Discharge My Federal Stu loans, Provide a refund for any payments made, and Delete the Credit report trade line associated with the discharge loan ( s ). The Chief Operating Officer on my case is XXXX XXXX his contact information is XXXX. As of today XX/XX/2023 It is still affecting my credit, it has since lowered my credit score by XXXX points.This should have been frozen and unable to affect my credit rating. Thank You
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 All these accounts have 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no customer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 6802b ( 1 ) ( b ) States : the consumer should be given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ( Opt Out option was not disclosed or was i ever given notice )
Consumer complaint received 2024-07-24
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

Was leasing with a private owner, Owner sold the property to a company in the middle of my lease when the lease was over the company wanted me to sign a new lease and raise rent I refused and moved out and they filed to my credit because I didn't give them XXXX days notices nor did they inform me a head time in the increase of the rent to the lease renewal I have requested them to show me where I made an agreement with this company that's on my credit report claiming I owe them money. I sent out a letter for request and have contacted the office XXXX for documents but no response.
Consumer complaint received 2024-07-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (MD)

I contacted XXXX XXXX XXXX XXXX and requested relief by way of a mortgage modification, submitted all required documentation, and was granted relief options which included a 3-month trial period beginning XX/XX/year>. 

Even though XXXX retuned my XXXX payment sent directly from my bank account, thankfully I recognized the rejection before the deadline to send the first payment by the deadline. XXXX provided information to send the funds by XXXX XXXX but in their letter omitted the required biller information for them. Nevertheless, I was able to find it and made my payment on XX/XX/year>. 

Because of this experience, On XX/XX/XXXX, I called XXXXXXXX XXXX  and arranged to have the remaining two payments automatically deducted to avoid any possible delay. I spoke with one of their Relationship Specialist at XXXX XXXX to have XXXX payment deducted on XX/XX/XXXX and XXXX payment deducted on XX/XX/XXXX. I was given confirmation numbers. 

Also, on XX/XX/XXXX at approximately XXXXXXXX XXXXXXXX XXXX XXXXXXXX received a phone call from one of your phone agents letting me know that I did not make my required payments and that I needed to send proof that I made the payment. Proof that Shellpoint should already have! 

I sent a letter with attachments by both mail and email asking them to help me to understand why my full mortgage records were not successfully and efficiently transferred from XXXXXXXX XXXX to Shellpoint Mortgage. ShellPoint Mortgage Servicing sent me a letter telling me that all the my mortgage terms did not change as a result of this migration. Instead, they started sending me document to reapply for a modification although my modification was already approved. I asked what else is needed and to date I have not received a response.
Consumer complaint received 2024-01-02
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: Experian Information Solutions Inc. (MI)

XXXX XXXX Bank informed me that they would in fact remove a 31 day late payment status as long as I disputed with each of the credit bureaus. They informed me they would do so in good faith. Now, since I have disputed at least 20 times total, they are going back on their promise, and are refusing to help me. I have gone to such lengths to write handwritten letters and reach out to their executive team members on XXXX. 
I received some poor blanketed statement back from them informing me they do not update any information and I am essentially XXXX. I do not accept that response. If XXXX wouldn't have led me on a wild goose chase for 5 months now, I would have given up. I expect XXXX to remove the negative mark as they said they would. They are definitely able to do so, but are being extremely difficult for no reason, when they are the ones that informed me, they would fix it. 

I want this issue fixed! It is beyond wrong to tell someone you would fix it and refuse to do so. They claim they sent me letters and emails- why do I not have any of these things? 

It seems like XXXX would want to assist a customer that has been with them for many years. Clearly, they do not care about their customers.
Consumer complaint received 2024-01-02
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. (CA)

I have suffered identity theft and power of attorney fraud by the following companies. Pursuant to XXXX XXXX XXXX XXXX XXXX, a United States Court of Appeals for the Ninth Circuit in 2001 ruled and emphasized that for a creditor to rely on a consumer 's consent, it must be informed and voluntary. Mere inclusion of a consent provision in a contract does not automatically establish informed and voluntary consent. The nancial institution must demonstrate that the consumer explicitly provided consent, indicating their understanding and agreement to have information reported to credit bureaus. Pursuanbt to FCRA 605b and 15 USC 1681 c-2 i demand the acount be removed and blocked from my reporting or you may be held liable for noncompliance pursuant to 15 USC 1681o and 15 USC 1681n
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MD)

I was a cosigner on a Mattress Firm Credit Card via Synchrony Bank. My XXXX XXXX did not pay the card. It was charged off. However, in XX/XX/2023 the debt was cancelled and a XXXX was issued to my XXXX XXXX I have tried to contact synchrony bank and mattress firm to reflect this on my credit. They are still reporting I owe {$5000.00} and that its charged off. The account is no longer charged off and the debt is cancelled. They also are reporting inaccurate information in terms of payment. When covid occurred we were on a plan because we could not pay.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

The company still has it listed as a COLLECTIONS when I have a Income with holding order as agreement to payments. This is STATE OF MICHIGAN child support division. This should be a slow pay due to the payments coming in late due to pay dates. This should never be a in FULL COLLECTION status when there is a Income with holding order.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (FL)

I reached out to XXXX to dispute an incorrect name on my credit report, XXXX XXXX XXXX. My name is not XXXX XXXX XXXX. My name is XXXX XXXX. They explained they could not remove the name because there is an account under this name. As a result, I would like to dispute the accounts associated with the name XXXX XXXX XXXX. My credit report needs to contain accurate and information that is mine. I have attached documentation of the accounts in question and copy of my drivers license.
Consumer complaint received 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The Company, Capital One charged me {$10.00} as a Cash Advance for a money transfer I made with XXXX XXXX. No cash advance was ever received and when I inquired through their Customer Service, I was told that it was actually not a cash advance to me but a charge made by Capital One. I totally disagree and consider it an inappropriate charge.