davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (CA)

Midwest recovery systems keeps putting a collection on my credit bureaus for a debt with XXXX XXXX, says I owe {$260.00}. Have disputed twice with XXXX  and they have removed twice due to invalid acct. Midwest keeps putting it back on, now its on XXXX  also. Have once again disputed with both. Called Midwest and asked for proof of debt since I haven't used checks in years ( im assuming this is a payday advance place ) and they refuse to provide proof of acct. plus the dates change every time they put it back on, now it says first reported XX/XX/2020. My bank will prove that a check has NEVER been submitted for payment for them.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I've recently checked my credit report with Experian, XXXX, and XXXX, and in my amazement, I found an account that I did not open. I am a victim of identity theft and XXXX XXXX / XXXX account ( acc no : XXXX ) is a fraudulent account. I submitted the FTC Identity Theft Report to the credit reporting agencies and they deleted the fraudulent account. But Experian reinserted the fraudulent XXXX account back to my credit report without sending me any note or letter.
Consumer complaint received 2018-03-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY (TX)

The Story This is basically an office front that will look for bank financing for you to purchase panels and then subcontracts out to local companies to install solar panels. My project took nearly a year, when initial estimate was 3-6 months. My project manager quit that company, which was a red flag, but the panels were already delivered. I didn't know if I could cancel at that point, but I probably should have asked. 

They used one loan company, XXXX XXXX, to obtain the 50 % down portion ( {$21000.00} ) and in the middle of the construction, switched to a second loan company, XXXX XXXX , XXXX promising to pay off the first loan, but they never did, leaving me with 2 loans for 150 % ( {$63000.00} total ) of the promised cost. Once I found out, magically, no one answers the phone at XXXX XXXX. I called both loan companies to try to find out what my options are, but I couldn't get any help from either of them. Half of the money obtained from XXXX should be going to XXXX XXXX to pay off the first loan and I feel defrauded and asked for help, but got none. 

After months of calling and trying to communicate with the Finance dept at XXXX XXXX, the Finance chief quit the company and told me that it would be unlikely that they will refund the money owed. They knew what they were doing when they made false promises.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (CA)

A online store - amazonstorecard.com - uses unethical finance charges to gouge customers. An example is they neglect and refuse to honor good faith late payment fees i.e XXXX dollars for the first month regardless of any payments made. For example a XXXX dollar item with coupon was billed XXXX dollars after 3 month. This lending company is a scam. My credit score is fair due to a XXXX dollar item. 

Please respond, P
Consumer complaint received 2023-05-15
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I opened an account with capital one on XX/XX/XXXX it a 360 savings account. It started out fine everything goes smoothly into the last part verifying my identity. For some reason mobile phone capture won't work for me at first. I could understand our protection is the top priority I argued so I been trying for about 30min and I kinda get a hang of it and finally got the system to accept the picture I submitted. 
But causes of too many attempts customerservice don't except by rules. So now I have to take off a day to visit one of the branches. I'm fine with that, I work 7 days a week and we low on staff but it ok only one day and for couple hours I'm cool with that so that day I went to the beach like as usual everything goes good but always at the end something have to go wrong for some reason the back of my ID doesn't qualify for the standard something I don't know. So that days wasted for nothing couldn't get anything done and wast of time and for the hold day all most got fired. 
So couple days later I give it another shot to see how it going to work out. Couple pictures went through and some have to retake but it went fast this time and only couple try way better than last time so I thought everything goes well causes the system accept the picture process approved and accepted. I thought I could get a break but no it right in front of me saying process accepted and approved but the customerservice she said it accepted at first but it didn't accepted on her end. What that suppose to mean, that when something pop up on our screen it could say something else on there end.??? 

So my account been restricted ever since I can't do nothing with my money the money that I deposited into the account for safekeeping now it soo safe that I couldn't even touch it... lol. My 360 saving account # ( XXXX )
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2021-12-29
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. (PA)

I tried reaching out to this bureau several times about accounts that do not belong to me and are reporting on my credit report. this information is fraudulent and i want it investigated and removed from my credit immediately!!!!!
Consumer complaint received 2023-01-17
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. (FL)

To whom this may concern My name is XXXX XXXX, and I am wiring this statement on my own behalf. I recently discovered that I am a victim of identity theft. My reports reflect inaccurate things. My identity was used to obtain XXXX services and goods. I request that the listed items in this report and statement be removed immediately. Accounts opened without consent : XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2020-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (GA)

Since I had my home in XXXX, my mortgage company has been changed 3 time. My current company Home Point financial, which I have been with since XX/XX/XXXX, has increased my monthly payment every year. What I dont understand is no one in my neighborhoods mortgage has been increased. I have a single family and its only my spouse and me. 

When this mortgage company took over my monthly bill was {$630.00}, then to {$680.00} and not they are increasing it to {$710.00} as of XX/XX/XXXX. 

Why does it increase seems every 6 months, when my income isnt increasing to keep up. 

Ive owned a home in XXXX  for 15 years before coming to XXXX  and never has my monthly mortgage payment change so frequently as this. And the cost of living in XXXX  is more expensive then XXXX. 

Bottom line is why this is happens and how does anyone not go bankrupt? And is this a normal practice. I would be open to a new mortgage company if this keeps happening, because eventually I wont be able to afford it! 

Please help me with this, Ive asked for clarification from the mortgage company but it all sounds toooo technical for the command person to understand. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-01-15
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: WELLS FARGO & COMPANY (CA)

I am a victim of identity theft. I pulled my credit report and discovered there is a fraudulent account in my credit report. I did not open Wells Fargo credit card in XX/XX/2007. This is a result of identity theft. I contacted the credit reporting agencies and they deleted the fraudulent accounts from my credit reports. However, XXXX  credit bureau reinserted the Wells Fargo account back to my credit report ( please see attached deletion letter from XXXX  ). I insist that Wells Fargo Card Services account is fraudulently opened and I have no knowledge of this account.
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX has sent electronic updates to Trans Union to fix a credit reporting error of a 30 day deliquency on XX/XX/2019. Trans Union refuses to fix the error. XXXX XXXX has even provided me a letter showing I have never incurred a 30 day late on this account.
Consumer complaint received 2020-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Bank of America provides different level of service to consumers who do not communicate by telephone. 

The attached email message from XXXX XXXX, Senior Resolution Specialist of Bank of America states that " I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. ". 

XXXX XXXX has not identified any reasons that they need to speak with me via the use of a telephone other than confirming that I am the one who submitted a complaint to CFPB. 

XXXX XXXX has not considered any other methods of communication that they could have use to confirm that the CFPB complaint was filed by me and they have not identified the reason why there is a need to confirm that the CFPB complaint was in fact filed by me. 

I accuse Bank of America of discriminatory practices against consumers who do not communicate via the use of a telephone. Specifically, Bank of America 's policies makes it harder for consumers who do not communicate by telephone to file complaints with CFPB.
Consumer complaint received 2022-02-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation (GA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against WORLD FINANCE CORPORATION for committing identity theft. I have never given WORLD FINANCE CORPORATION any permission to use any of my identifying information to commit mail and tax fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 usc 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until WORLD FINANCE CORPORATION can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and WORLD FINANCE CORPORATION continues its collection efforts, I will file for litigation for actual damages caused and WORLD FINANCE CORPORATION will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # XXXX
Consumer complaint received 2024-06-22
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. (MA)

My Fair Credit Reporting act consumer rights have been violated. 



Experian has not updated my information despite several attempt, they helped the person he scammed me change the last XXXX of my social and chnage my name. 

They have violated my federal given consumer rights to privacy amongst other things.

15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumerto anyconsumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-29
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. (IL)

FTC Report attached : Per FTC a police report is NOT required. 

I was incarcerated XX/XX/XXXX to XX/XX/XXXX in XXXX prison booking # XXXX. 
Any accounts or inquiries opened between these dates I did not open. 

I should have absolutely no credit established in my name. 

I have included the FTC report and copies of my credit reports.
Consumer complaint received 2018-03-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

XXXX XXXX They are calling me 2-3 times a day from numbers all over the country but recently, they have gone local ... XXXX and even right here in my city of XXXX. I asked them where they were calling from and of course they repeat " XXXX   XXXX '' and I say, " No, what city and state '' and I get " West Virginia ''. I say, " How are you calling from a XXXX number, then? '' I get, " Oh, we have numbers all over the country. '' This, of course, allows them to contact you way more than they are suppose to be doing, so it's harder to prove that it is them. I can certainly call up my phone log and highlight the calls if need be. I'm just really tired of this. If they want to contact me, that's fine but to get me to answer in the middle of work by sending their number as a local number is not cool. I think it's an emergency or something with family and I take it and this all goes on during my work time. I asked them not to do this.
Consumer complaint received 2020-01-08
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent.
Consumer complaint received 2022-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

On XX/XX/ 2022 I sent a mortgage payment to the mortgage servicer via my banks bill pay service. I sent an over payment as I do most months to be applied to my principal. When I received my XXXX statemant I saw that they had put the extra payment toward the next months interest not the principal. On XX/XX/XXXX I called the mortgage servicer and was told that the error would be corrected. As of XX/XX/2022 it still has not been corrected. I also explained to the person on the phone that this has happened before and I had instructed them that any extra monies were to be applied toward the principal. At that time I was told that all extra payments had to be applied toward the next months interest! I instructed them that was illegal and I would report any further misdirection of overpayments and here we are again with over payments being applied to interest not the principal balance!
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have had a XXXX  card since XXXX and have never missed a payment. In XX/XX/XXXX I was a victim of Identity fraud at my bank XXXX I had to close my acct and open a new acct with my bank. XXXX was one of my many auto payments through my bank acct. as I have several I could not remember all my auto payments and since my bank closed my old acct I could no longer view my old activity. So I figured I would get notified of a payment failing from XXXX  like many of my other creditors did. I did not recieve any notifications either through email, text, or mail that I missed a payment. I went to XXXX  in may to find out my card was declined. I called XXXX  card services and they stated my card acct is closed due to XXXX  30 day late payments in a row. I explained the Fraud that had happened to me, and told them I have not been notified about any failed payments or late payments. they also could not provide me with any proof they had sent me any notifications.
Consumer complaint received 2020-01-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation (VA)

I purchased a XXXX XXXX XXXX  in XXXX of XXXX. Upon receiving the car, the rear brakes were toasted, Tires were XXXX made and the engine was VERY noisy. The Brakes were fixed, the tires replaced ( {$500.00} ) and 5 months later the battery failed ( {$200.00} ). So far {$750.00} out of pocket tires/battery. XXXX of XXXX the engine refused to remain running at stop signs, stalling 12+ times a day. XXXX Rebuilt the engine at a total cost of over {$4500.00} with parts/labor/dealer ship repairs/rental car. After an oil change the stalling has started again. Based on my records, this car has had close to {$5500.00} in repairs in 18 months ... REALLY? So, I elected to cash in the extended warranty. I e-mailed the warranty company and that was handled promptly, and efficiently, however, Bridgecrest claims they never received the money. After about 2 weeks I called them 4X today each time on hold for over 15 minutes. Last supervisor finally admitted they get paid via XXXX  ( warranty company ) 2X a month and that the payment would not post for a week the XXXX, BUT ... get this.. car is scheduled to be repossessed starting on the XXXX of this month. XXXX.. I made a small payment today, to stop this as requested. I owe about {$370.00}, the warranty check is for {$1000.00} ... more than enough to get me caught back up. But they REFUSE to post to payments and want to post to principal of loan ONLY ... XXXX again ... If XXXX can post warranty cash out to payments, why can't Bridgecrest. this is the first in many complaints to be filed ....
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-12-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (FL)

On XX/XX/2022 at XXXX pm, ALL of my assets with the Gemini Trust Company , LLC, were transferred out of my account, without my authorization. I do not know the destination of the assets, and despite XXXX emails to their customer service, ( XXXX ) Gemini has made no effort to track the assets or identify the thief. 

The amount of the assets were approximately {$16000.00} in digital currencies and {$4900.00} in XXXX dollar cash. ALL the funds were withdrawn on XX/XX/XXXX. 

I would be grateful if you could tell me the next step to take in pursuing these stolen assets. 

thank you.