davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation (SC)

I received a phone call from Bridge Crest this afternoon. She stated that she was from the Executive Offices of Bridge Crest. Although it sounded like a telemarketing nightmare, I spoke to her on a recorded line. After careful consideration I am going to contact my Attorney in this matter to submit a Letter of Representation and move forward with legal action.

The total amount of fees that have been fraudulently charged to my account is {$81.00}. I have attached a copy of my personal banking information to reflect that my XXXX Checking account was never charged or attempted to be charged during the time I was actively enrolled in Bridge Crest " Auto Pay ''.

I also will be addressing that what is reported on my Credit Report is incorrect and that when I asked Bridge Crest to not contact me every day, they then out of retaliation reported on my Credit File the incorrect information of payment late the very same week. I have also attached a screenshot of my Bridge Crest Dashboard App as of today which states in LARGE RED LETTERS " Prevent a XXXX delinquency report to the credit bureaus PAY {$160.00} by XX/XX/XXXX '' TODAY IS XX/XX/XXXX... 
which is false advertising as Bridge Crest has already reported delinquency and incorrect information to my credit files ( total of XXXX ). 

If Bridge Crest would admit their part in this matter and correct the {$81.00}, I would be glad to pay the {$78.00} today and then they can correct the fraudulent reporting to my credit file. I was laid off of my job for several months and still managed to keep my car payment made. I am in the middle of purchasing a house and because of their illegal practices this is being taken away from me. 

In XX/XX/XXXX I wrote a letter to address these issues ( see attached ) and received no response. I did however get harassing phone calls every day about making another payment even when I had clearly just made a payment. I have also asked that if Bridge Crest receives any funds over the regular payment amount it needs to go towards my principal, and this went on to be ignored as well. I made a payment of {$600.00}, and it ALL went towards interest. This is not fair, nor legal to do to a consumer.
Consumer complaint received 2024-01-19
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (MD)

I spoke with one of the XXXX representative, who gave me permission to pay my monthly bills earlier than the XXXX of each month. I followed her lead and paid my bills for each month earlier which one month I asked, can I pay for it could be for two months payment which she said yes. Afterwards, I started getting phone calls, messages and emails stating Im past due. Which call back and explain the problem confusion when paying my payment Laid up too double payment, with additional charge fees and interest. The manager refused to fix the problem with the split payments for each month. Then told me if I close my account that they stopped the interest fees and I can pay a lower amount. I feel violated because I still would have paid my bill but not the double amount because of their mistake. The company refused to comply with fixing the mistake that their representative made. I hold responsible for their mistake. So now my account is being closed to agree with their terms of XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
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: Experian Information Solutions Inc. (GA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (CA)

Hi : My prior complaint with the CFPB is XXXX. 
I've been able to get to & work with XXXX  people at both PHH 's Ombudsman & XXXX XXXX XXXX Escalations, Lost Mitigations Departments. 
The latest for me : submitted a loan mod, passed thru Underwriters, but denied by loan carrier. 

However, PHH is still not directly responding to my main complaint which is : PHH overseas reps repeatedly gave me THE WRONG INFO re : PHH policies during XXXX. 

PHH has never directly acknowledged their responsibility in my growing outstanding balance -- nor offered any make-good. 

Essentially, they're saying : " Oh, we gave you wrong info. But this is 100 % your problem. '' I call that corporate bullying. 

There must be someone at PHH who has the seniority to hear, comprehend, and do something to help.
Consumer complaint received 2024-01-19
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

" his debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-01-18
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: CLGF Holdco 1, LLC (FL)

I received a copy of my credit report and found the following items to be an error XXXX XXXX accounts XXXX XX/XX/21 XXXX and XXXX XX/XX/21 and XXXX XXXX that does of appear for {$1000.00}
Consumer complaint received 2023-04-17
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. (GA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (SC)

ACCORDING TO THE BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining The FCRA protects consumer privacy in multiple ways, including by limiting the circumstances under which consumer reporting agencies may disclose consumer information.

This company has failed in their obligation to protect the privacy and confidentiality of my information.

Under under this rule financial companies are to have permissible purpose to furnish accounts to consumer report including THE WRITTEN INSTRUCTION OF WHOM THE CONSUMER RELATES. 

I have not giving any written instructions to furnish my non public personal information to any third party. 

This company has knowningly transferred my account personal information without permissible purpose of whom the consumer relates to XXXX, XXXX AND XXXX. 

Because of this reporting I have suffered damage to my reputation, my character, invasion of my privacy, emotional, physical and economic harm. 

I requested documentation of permissible purpose from this creditor and they refused to be in compliance and give that documentation to me and refused to DELETE my account if they can not give me reason as to permissible purpose.
Consumer complaint received 2024-01-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

2022 in XXXX someone called posing as a bank of America representative said someone hacked XXXX from me and I needed to get on XXXX and need to transfer it out to recover it called from the number I had stored in my phone so thought was legit. I had called the bank XXXX days before ro tell them I had identity fraud so thought it was about that. Would not recover my money said I allowed it. It is fraud when someone poses as a bank of America rep but would not help me get any money back at all m
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-01-12
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. (FL)

THIS IS NOT A DUPLICATE : ( " TRANSUNION '' ), In the event ( " TRANSUNION '' ) FAILS TO COMPLY, will be conditionally accepted as an agreement, of admission failing to comply with the FCRA, and among other things. 

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against TRANSUNION, XXXX, and XXXX regarding inaccurate information reported on my consumer report. This complaint is grounded in the violation of a crucial CFPB rule concerning human trafficking. 

The CFPB, under 12 CFR 1022.142, prohibits the inclusion of adverse information in consumer reporting for cases of human trafficking. Human trafficking is a severe federal crime, also known as Trafficking in Persons ( TIP ), involving the unlawful trade of human beings against their will for commercial XXXX exploitation or forced labor. 

In my XXXX ( XXXX ) CFPB Compliant ID, XXXX ( TRANSUNION ) CFPB Complaint ID Number, and XXXX ( XXXX ) CFPB Complaint ID Number XXXX I explicitly communicated to the Consumer Reporting Agencies ( CRAs ) that they lack my lawful consent to report the mentioned accounts, as indicated in the attached notices. Regrettably, the CRAs negligently failed to comply, disregarding my will and violating my human rights. 

Human rights, as outlined in Article 4 of the Declaration of Human Rights, prohibit slavery and servitude in all forms. The CRAs have, in effect, subjected XXXX XXXX to both direct and indirect slavery and debt bondages. 

Attached are notarized documents supporting my notices. TRANSUNION, XXXX, and XXXX ( collectively the " CRAs '' ) have willfully and negligently failed to comply with multiple disputes, and I am now demanding compensation for damages, encompassing intentional infliction of emotional distress, humiliation, defamation, and other related harm. 

I hereby reserve all rights to sue, applying this to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TransUnion LLC, their parent companies, subsidiaries, affiliates, divisions, contractors, and all data sources and suppliers collectively referred to as the CRAs. This complaint is effective immediately. 

All Rights Reserved. 

Sincerely, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

I sent information to change my personal information. Told the credit bureau I want to use my whole name ( on social security card attached ) because I had problems using XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Only name I want to use is XXXX XXXX XXXX only. I have no alias. That should be blank. 

I can only receive correspondence from one address only. All other addresses I can not receive anything. I showed them proof with bank letters with my name and correct address. This is the third time I will be asking them to correct my consumer report. The only address I receive anything for is to : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX MD XXXX. No other addresses to be placed on it unless I given written consent after I eventually move from here. Please correct name and address. Submitted proof that I requested changes. Hopefully this should take one day to correct and a new credit report be sent to me as I verified myself.
Consumer complaint received 2024-01-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Arcstone Financial Inc. (CA)

I was requesting a home loan in the amount of {$100000.00} from loan officer XXXX XXXX, who filed an application with Arcstone Financial. 
I was told the minimum loan amount would have to be {$170000.00}. I declined, but despite canceling this initial application, an appraiser was sent to the property and did an appraisal. I received an invoice for {$630.00}. Loan officer XXXX XXXX told me not to pay it and was looking for another loan option. Not succeeding in finding another loan option, he went back to Arcstone Financial and filed another application. To save time, I was told to pay the initial appraisal, and that he would have it transferred, as it was for the same property. 
Arcstone Financial refused a transfer and made me pay for a new appraisal, which was an additional {$450.00} to start the entire application process anew. 
Loan officer XXXX XXXX said in XX/XX/2023 that he will take care of the additional {$450.00} and reimburse me. This has not happened thus far. 
This delay of " non-transfer '' caused the 30 day-Escrow window not to be met. 
Due to this delay, I was charged {$1000.00} by the seller for a one week extension. 
Not accepting an appraisal that was already done for the property, and was already paid, is rather absurd. I am not willing to pay the penalty either, as it was not me causing this delay. My request for a {$100000.00} loan amount was also not met, and the second application was once again only granted for {$170000.00}. 
I am hereby requesting a refund in the amount of {$1400.00} from Arcstone Financial.
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (TX)

XXXX of XXXX I first filed a complaint about a Chase credit card opened fraudulently using my social and name. I Filed another complaint XXXX about the same credit account still being charged to my name. I also learned there were XXXX fraudulent Chase bank accounts opened in my name and XXXX was used to make payments on the credit account. Chase replied I was responsible because of those payments from bank acct XXXX to credit acct XXXX. I have repeatedly sent the sheriff case # on this identity theft to Chase, plus D>L>, utility bill and XXXX card bill to prove my address was not XXXX. XX/XX/XXXX & XXXX Chase dated letters stating they confirmed that I did not open accounts ending in XXXX and would notify EWS to update negative credit reporting. Upon calling Chase credit fraud dept to ascertain that having the bank accounts confirmed as not me fraud would also confirm the credit account XXXX was not me fraud. I was told a payment was made in XXXX from an account in my name at Bank XXXX XXXX. I travelled the XXXX min XXXX way journey to a XXXX  XXXX XXXX nearest me and upon their searching for any accounts using my social they found none. Today I received a letter from Chase XXXX XXXX XXXX stating because i made payments from XXXX to credit account XXXX I am responsible. It is obvious that Chase can not handle their own investigation. I request a full intervention by this bureau.. I have wasted time, energy, gasoline and spent all my patience. They keep going in circles and continue to give me false information.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Under the statue 15 U.S. Code 1666b and 15 U.S. Code 1681a. Said companies are not allowed to report late payments to my credit report. I have several months from XXXX XXXX XX/XX/2023 showing XXXX payments from XXXX XXXX and capital one.
Consumer complaint received 2018-04-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NY)

Date:XX/XX/2018 Amount : {$100.00} Debt Collector : Transworld System Inc Creditor : XXXX XXXX XXXX XXXX They mailed a letter saying that I missed a toll or so they said because they had my address incorrect in there system. I never received the mail. They then send another notice which I received and called them. They admitted they had the wrong address in the system. They however did not take off the {$100.00} penalty. These actions are unlawful and demeaning. I called several times and everyone I spoke to is so rude and does not want to help me out even tho I have an XXXX XXXX in good standing and never had an account issue. Please help me. Thank you
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NY)

Hi Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of significant concern regarding the accuracy of my credit report. I recently discovered that certain accounts, specifically the XXXX listed below, have been reported illegally due to my status as a victim of the XXXX data breach : Account : WF XXXX Account Number : XXXX I have attached documentation proving that XXXX has acknowledged the data breach and my compromised information. Despite this admission, there has been no action taken by XXXX to rectify the situation, and these inaccuracies continue to adversely affect my credit score. 

As a victim of the XXXX data breach, I request the immediate removal of the aforementioned account from my credit reports. The sale and purchase of my information without my consent have led to these inaccurate and unauthorized accounts tarnishing my credit history. 

I kindly request the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. I believe that the inclusion of this erroneous information is a violation of my consumer rights, and I trust that the bureau will take the necessary steps to rectify the situation. 

Please find attached copies of relevant documents, including XXXX 's admission of the data breach. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your time and assistance.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is an account that I got delinquent on in XX/XX/2017. The account was closed and the balance paid off. At this current moment I dont have any credit and most of the credit that I owed I paid off only to discover these paid accounts are hinder me from overcoming my current situation I am deal with for over 2 years homelessness with a XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I sent a communication to CAPITAL ONE, regarding my option to opt out of having my nonpublic personal information shared/reported to any credit bureaus including XXXX, XXXX and XXXX. In regards 15 USC Code 6802, it states that : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party ( CAPITAL ONE AND THE BUREAUS MENTIONED ABOVE ARE NOT AFFILIATED ) any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( They NEVER gave me this information/option ) ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Again, they never gave me that option when the transaction was initially done ). 


*Also see ; 12 CFR Part 1016 Subpart A* They DID NOT give me full disclosure when the transaction initially took place, which is misleading and fraudulent. 
NONPUBLIC PERSONAL INFORMATION MEANS : personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. 

NON AFFILIATED THIRD PARTY MEANS : any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

I am demanding that this information that I choose to no longer have shared with the bureaus, be removed from all of my credit reports immediately. In addition, compensation for their violations of the law and making my life difficult.