davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX  Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$660.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX US DEPT . OF EDUCATIO XXXX
Consumer complaint received 2024-03-09
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: Bridgecrest Acceptance Corporation (FL)

I first disputed this account in XXXX when i recieved a response claiming that Bridgecrest can not fulfill my request because they have insufficient information on their end. My information which was state ID, and proof of address. For years they have been denyinh me documentations and not verifying this account. I took it upon myself to right the FCRA & FDCPA noticed I have been being violated this whole time. Bridgecrest can not honor my request based off the inaccurate information they have. Also if they can not validate this account and send me the proof funds, books of recording and along with befenical account holder, - written agreement with my wet signature - what method of payment was used and was I charged a down payment when this has my social security number associated with it which would make this a credit transaction. Therfore cash is never to be applied, accepted or bargained with. 
XXXX Bridgecrest has no promisble purpose to furnish any account associated to me. Please provide with within the agreement or contract i was given proper disclosures. Please provide me my wet signature of me opting in credit reporting and the option to OPT-OUT full disclose as states in 12 CFR 1016.7 - FORM OF OPT OUT NOTICE TO CONSUMER : OPT OUT MENTHOD I have repeatedly request XXXX, and XXXX to remove this account several times because these companies to are causing adverse reaction against me and my creditworthiness. 

My credit report has serveral errors and the company Bridgecrest is out of compliance per sec. 1681e - Compliance Procedures **** EFFECTED IMMEDIATLY TO : Bridgcrest/Drivetime THIS IS YOU FORMAL NOTICE TO CEASE & DESIST ALL COMMUNICATION INCLUDING ALL 3RD AFFILITIE SHARING AND CREDIT REPORTING. PLEASE REPSOND ON THROUGH U.S MAIL AND THESE COMPALINTS. 

XXXX XXXX XXXX did not do a proper investigations after serveral attempts. XXXX deleted after proper investigation. 

These are the violations Bridgecrest/DRIVETIME violated 1. 12 CFR 1016 .10 LIMITS ON DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES 2. 15 USC 1692g - VALIDATION OF DEBT 3. 15 USC 1682 - PERMISSIBLE PURPOSE OF CONSUMER REPORTS 4. 15 USC 1681i ( 5 ) REMOVAL OF INACCURATE UNVERFIED CREDIT INFORMATION 5. 15 USC 1681b INACCUARTE FALSE REPORTING 6. 15 USC 1681e ( b ) COMPLIANCE PROCEDURES MAXIMUM POSSIBLE ACCURACY I understand each violation is payable up to {$1000.00} per Fair Credit Reporting Act. I would like to excerise my rights because of the damage and harm for so long of trying to fix this issue ahs caused massive pain and suffering on top of my creditworthiness being tarnished.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I file this complaint with an overwhelming mix of distress and anger that any person in my situation would feel. I am utterly appalled by the shocking and unjust refusal of my identity theft claims by your bureau, despite the fact that I have provided concrete evidence in the form of both an FTC and a police report. Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. I demand that you immediately rectify this grave injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not only a dereliction of duty but a blatant disregard for the suffering I have endured. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.
Consumer complaint received 2024-03-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MD)

I got this CareCredit at the dentists office about 2 years ago ( XXXX ). At the time I talked to a rep over the phone. From what I understand, I just need to make the monthly payment, I would pay it off in 2 years. Now it turned out that the monthly payments dont add up to the total ( {$5000.00} ). I didnt do the math myself. I trusted the rep. I feel I was tricked into taking the loan. This is misleading and deceptive. 

I got emails every month that tells me how much to pay ( a different amount every month ), so I paid that amount. The " current statement '' link in the email just takes me to a page that displays the same content as in the email. I thought that was the statement. It never gives any reminder or warning or any indication that its near the end of 2 years. All of a sudden, I got charged this high interest ( {$3000.00} plus ). 

on XX/XX/XXXX talked to a rep on the phone, she indicates that the terms are in the statement ( I thought the email was equivalent to the statement ). but the statement is not obviously available. The " current statement '' link in the email just takes you to a page that displays the same content as in the email. it takes several clicks and then an error page. I never got any paper statements.
Consumer complaint received 2023-12-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (MD)

My mortgage servicer offered me XXXX and reduced monthly payments during Covid-19 because I was quarantined and unable to work. I was promised a modification at the end of the pandemic. Instead, they conducted a Net Present Value test which indicates my house has increased significantly in value since my original purchase in XXXX. They have denied all modification reviews and now demand I make all back payments in full immediately. They suggest short sale or deed in lieu of foreclosure if I can not pay {$52000.00}. I believe they see an opportunity to cheat me and make a large profit because the value of my house is not relevant to what I owe. 

When the Homeowners Assistance Fund was created to help homeowners who were financially affected by Covid-19, my mortgage servicer encouraged me to apply but after working with HAF counselors for over six months with assurances that my application would be approved, I was suddenly denied because I had gone over the XXXX XXXX XXXX Conforming Loan Limits when I refinanced my house in XXXX from a 8.25 % rate to 2 %, even though I have a conventional loan, not a XXXX or XXXX loan. 

I need help communicating with my mortgage servicer to negotiate a plan to make the back payments. They refuse to offer a repayment plan at all. They see a tremendous profit if they can foreclose on my house, I hope that CFPB can help me to stay in my house.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

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. 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 1681c. ( a ) ( 5 ) Section States : no consumer 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. Remove the following account : 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 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (AZ)

We contacted Barclays for assistance in accessing our XXXX account who they acquired several years ago. The goal is to access college savings in the XXXX account. My old email is connected to that account which I no longer have access to. Barclays instructed us to file a support request on line at XXXX for assistance with account access since they no do no have the ability to directly contact XXXX or provide access assistance to the XXXX account. We have filed multiple on line requests over the past 60 days for assistance and have not received any response. By not responding, BarclaysXXXX is withholding access to funds that are legally ours and we would like your assistance in gaining acress to our funds.
Consumer complaint received 2023-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Good day : I have tried to fix this problem with Capital One with the help of Consumer Financial Protection Bureau Complaint per the following details : Account ending in XXXX Capital One CID : XXXX CFPB Complaint ID : XXXX Capital One responded : " The Spark Business Basic Checking account ending XXXX was originally closed at your request on XX/XX/XXXX '' - THAT IS A LIE! Capital One wrote : " The final closeout check number XXXX for {$970.00} was issued to your address on file. Our records indicate you received this check, and it was paid on XX/XX/XXXX. '' - I NEVER RECEIVED THE CHECK! The " attached paid check copy '' has an error in the signature! - THAT IS NOT MY SIGNATURE ON FILE SO WHY DID CAPITAL ONE PAY OUT THE MONEY? 
XXXX. XXXX XXXX XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (NC)

I was denied a loan for an investment property renovation, that I intend to sell, due to Specialize Loan Servicing incorrectly reporting a missed mortgage payment to the credit bureaus. 

Specialize Loan Servicing reported to the credit bureaus that I missed my XX/XX/XXXX payment. SLS received my payment on XX/XX/XXXX via their website. SLS says that my payment was short of the full new escrow amount which increased my monthly mortgage bill. XXXX was the first month that showed an increase in escrow which increased my monthly mortgage bill. SLS 's website didn't reflect the increase in escrow online when I paid my mortgage bill. The unpaid escrow was applied to my XXXX bill which I paid in full through my bank and not online via SLS 's website. The fact of the matter is that I didn't miss a mortgage payment in XXXX. All of XXXX 's principal and interest were paid in full along with partial of the increased escrow. 

Upon contacting SLS, I was told by the agent that a shortage of escrow payments wasn't supposed to cause a missed payment to get reported to the credit bureaus. So, that agent made a note and transferred me to a higher department to request a correction. The request was denied for correction because I missed a payment in the first quarter of XXXX. The missed payment in XXXX is irrelevant to SLS incorrectly reporting a missed payment to the credit bureaus. I never missed a payment in XXXX. 

Now, my investment house renovation is held up. I'm losing money by not being able to secure financing to complete my property to list on the market.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (CA)

I am urgently addressing a situation regarding LVNV Funding LLC 's mishandling of a debt collection account associated with [ insert account number or reference if available ]. Despite my repeated requests, LVNV Funding LLC has failed to provide a validation letter, causing significant distress to my credit score. Additionally, LVNV has hired a collection agency, XXXX XXXX, which incessantly emails me for payment, further violating my consumer rights. 

I hereby request immediate removal of this account from my credit report and cessation of all collection attempts. Please take swift action to rectify this situation and restore my credit integrity. 

Thank you for your attention to this matter
Consumer complaint received 2023-12-07
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. (NC)

I Would be happy to settle any Financial obligation I may own as soon as I receive the following documentation form you. 
1 ) The Validation of debt which is actual accounting 2 ) The verification of your Claim against me, a Sworn Affidavit or hand signed invoice in accordance with The Bills Of Exchange Act of 1882, The Uniform Commercial Codes, The Federal Fair Credit Reporting Act and The Georgia State Statues of Lawful Purpose. 
3 ) A copy of the contract signed by both parties 4 ) Please also provide me with a True and Certified Copy ( not a photocopy ) of the Original Note under penalty of perjury and with unlimited liability and confirm that this Note has never been sold. 
5 ) Please also confirm the name of the Individual who is the Duly Authorized Representative from your company, who has carried out Due Diligences under The Money Laundering Regulations 2007 and what actions he or she has taken in relation to this account Instructions I hereby give you twenty ( 20 ) days to reply to this notice from the above date with a notice sent using a recorded post and signed under Full Commercial Liability and Penalties of Perjury assuring and promising me that all of the replies and details given in the above request are True and without Deception, Fraud, or Mischief. 
Your said failure to provide the documentation within twenty ( 20 ) days from the above date to validate will constitute that You agree to the following terms. 
That the debt never existed at all ; or it has already been paid in full and that ANY Damages Suffered You will be held Culpable and you will no longer pursue this matter any further and You agree to pay all Fee Schedules. 
Please note : I wish to deal with this matter in writing and i do not give your organization permission to contact me by telephone, should you do so I must warn you that the call constitute harassment and I will take action under Section 1 of the Protection From Harassment Act of 1997 and the Administration of Justice Act 1970 which make it a Criminal Offense for a creditor or a creditor agent to make demands for money, which are aimed at causing Distress or Humiliation.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (MS)

I recently reviewed a copy of my credit report and found incorrect reporting of accounts. 
account that was not mine. I've made multiple attempts ( XXXX, XXXX, XXXX ) to reach the creditors in addition to the credit reporting agencies and have not have any successful attempts. 

Please update the payment information to reflect correctly on the following account : XXXX XXXX XXXX Account XXXX Bridgecrest Account XXXX accounts are reporting as XXXX days late for XXXX XXXX 2024 and is incorrect. The payment was made on time, as the account is set up for auto pay. Please update account to reflect as on time. There was an extension granted for the Bridgecrest account for the months of XXXX and XXXX, therefore neither of the accounts were late. 

Please delete the following unauthorized inquiries : XXXX XXXX OF ( 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 XXXXXXXX XXXX ( XXXX )
Consumer complaint received 2023-12-07
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: CHARLES SCHWAB CORPORATION, THE (CA)

I called the bank to dispute a Charge for Services not received, Merchant is charged me only for his Time not for a Permanent Repair done on my Truck. 
I submitted to the Bank both receipts one from XX/XX/2023, {$140.00} and another from XX/XX/XXXX {$70.00} both charges are from the same repair about a Hydraulic Hose. 
I called the Bank to initiate a Dispute and I submitted the same documentation I'm doing at this time after few days I received a denial letter from the Bank. 
At this time I would like to invoke : " The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. The Act provides consumers with protection from unfair billing practices such as : *Charges not authorized by the consumer* Charges with the wrong date or amount. CHARGES FOR GOODS OR SERVICE THAT WEREN'T DELIVERED. 
So in this charge Applies under the Fair Credit Protection Act what I reported to the Bank to dispute services not received. The Bank Should disputed with the Merchant Bank to get my money Back.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (FL)

Please look into this. This company has violated the law and violated my rights of privacy. This is fraud and Im gon na call the FTC on them you got your money what more do you want? I have the right to my privacy. You can not disclose my late payments go look up the law. I will be putting this account in with my. FCRA Violation Attorney I dont owe you anything
Consumer complaint received 2018-02-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE (MA)

Barclays Card close my account in XX/XX/XXXX and i tried to pay it current. Barclays Card Charged off the account in XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX bought the account. At the time in XXXX i did not know who they were so i did not answer most of their calls. I eventually talked with them and tried to work something out, but then i got repeated harassing, threatening calls with profanity in them. In XX/XX/XXXX, I became unemployed, homeless, and let them know that, however the calls came in until finally i blocked their number. 
Their threats came true in late XX/XX/XXXX, first week in XX/XX/XXXX when i look at my credit and found that XXXX XXXX XXXX went back in and rated the Barclay Card account as Charged Off ( CO ) for every month since XX/XX/XXXX to present. This has caused me distress, as i was almost homeless again, because of their rating this account CO for all the months back to XX/XX/XXXX. I am a XXXX veteran and i'm trying to rent an apartment, but can't until i get this resolved. 
I talked to them again today and still nothing. I talked to Barclays to try and get a letter stating that the account was closed in XX/XX/XXXX and Charged off XX/XX/XXXX. Still waiting on the letter from Barclays. I have also filed a claim with XXXX to correct the account. I have reported this company before for the abusive nature and tactics they take.