davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westcreek Financial (CA)

Westcreek Financial has illegally placed the wrong debt on my account for the wrong dates ( date of first delinquency, date account opened ), they closed the account and have been reporting and updating the account amount and it keeps going up. 

Please send my original loan agreement with my signature, the date the account was opened, the date of last payment. See bank account attachmented where they claim I paid them. They've violating the fcra for reporting inaccurate dates and amounts owed.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

On XX/XX/XXXX I sent a letter of verification to all three of the credit bureaus asking them to verify that all the account that I listed in the letters were correct and I would like for them to send me how the accounts were properly verified. I don't feel as if I am liable for this debt.
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is reporting a bankruptcy on my Transunion report that they say they verified with XXXX. I reached out to XXXX & they verified they do not have a bankruptcy on file for me. I also reached out to the US Bankruptcy Court & provided them my personal information & they didn't have a bankruptcy on file for me either. They also asked for a reference or file #, which they said I should have, there isn't one listed in my Transunion report. They also said they don't provide bankruptcy information to Transunion. I reached back out to XXXX & asked them to send me a copy of my report so that I could see for myself what is being reported. Again there is no bankruptcy on file for me. I'm attaching the XXXX table of contents that does not include a bankruptcy & the court document. Please verify the name & address is 100 % accurate in the bankruptcy Transunion is reporting. Verify the File date? Additionally, how did Transunion arrive at an : " Estimated month and year that this item will be removed '' Why is there an " Estimated '' & not an exact date? And why is it in 2025? 


I'm also including my personal bank statement & a partially redacted ( for security purposes ) social security card for identity purposes ; as to avoid receiving a stalling letter from Transunion as they have done in the past.
Consumer complaint received 2022-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I made an online order to Kohls. My shipment is now 13 days late. The tracking shows it has not moved since the date of shipping. I have contacted Kohls 3 times asking what is going on. And to have my products reshipped or I want my money back. This Package was to be already delivered and it is no where to be found. I was told I have to wait another 10 days. I told them that was unacceptable and they did not deliver when said. They still refused to return my money. I have ordered 3 packages since the missing one and they have all been delivered. 
This is just unacceptable. They lost my package and basically stole my money.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

In accordance with fair credit reporting.The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under usc 1681 Inquiries : XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX. 

15 u.s.c 1681 section 602 a.States I have the rights 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 ) ( s ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report 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 gas reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Filo Mortgage, L.L.C. (FL)

applied for mortgage from Filo mortgage co in early XX/XX/XXXX, and complied to a myriad of requests for records that were repetitive. I complied for 6 months of a variety of requests that had nothing to do with my mortgage. I wanted to borrow {$250000.00} on a paid in full {$550000.00} home I bought with cash years before. I have a credit score of 800+ and absolutely no bills except daily living expenses. We have a combined retirement monthly payment of $ XXXX month and felt fully qualified to receive a loan easily. That did not happen, we were asked about simple stupid stuff that went on for 6 months culminating in a loan closing on XX/XX/XXXX. The problem is that I received a loan credit of {$1000.00} reducing my closing costs, during my initial application. At closing it was reduced to {$410.00} which is {$600.00} less than the quoted credit. I asked for an explanation and they explained it was due to an extended time limit for loan accepted. Loans in the past for me were loan to value based and we were totally fully covered for the loan amount, but Filo kept asking for address change for a property also fully paid for and in my history. Also I sold a home 35 years earlier that continued to have my name on the deed with the person who purchased the home. I can prove what I own but how do you prove you dont own it? There were so many crazy requests asked of us even though we did provide the extensive responses from agencies, and communities and court houses etc that we begged for an answer if we were going to get the loan. I had to do the calling to them to see what they now needed. It was frustrating and I called the home office, her supervisor everyone I could to get this off dead center. Filo mortgage is totally incompetent with an office full of inexperienced flunkies. I should not be penalized for {$600.00} that they caused. My loan to value is substancial in my favor, and despite this Filo staff kept asking for more including a family spat between father and daughter that had no basis in the courts but somehow Filo needed an explanation before approving the loan. They ARE A TOTAL JOKE AND i PLAN TO CALL THE XXXX XXXX XXXX  to prevent this happening to others. Please help I deserve to not be penalized for there incompetence
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

In accordance with credit reporting act XXXX XXXX account XXXX and Capital One account XXXX has violated my rights. 
15 USC 1681 section 602 states that I have the right to privacy.

15 USC1681 section 604 A SECTION 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card under an open end date for consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc. (FL)

This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. After that I sent you the attached letter and I never got a sufficient response. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting. You are a financial institution identified in 15 U.S. Code 1681a ( t ) Financial Institution.The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. For the record I do know and understand by law, who you are and who I am.

1. I would like to see your GAAP ( general acceptance accountability principles ) which is your paper trail from where/when it came directly from your account.

2. I also want to know who is the original creditor?

3. I am also requesting the Individual Masterfile ( IMF ) pursuant to 15 USC 1681G this should contain every payment I ever made, the original wet signature contract, not a copy or printouts, it should also contain info on where you got it, how you got it, and when it was stored. If dont get this its a violation 4. Also I do not recall you CLEARLY and CONSPICUOUSLY disclosing to me the CONSUMER my right to opt out according to.
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (TX)

FCRA violations : not my names XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX MY XXXX ; XXXX XXXX XXXX FCRA violations : not my address XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-07-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is reported with inaccuracies. I sent all 3 bureaus a dispute and asked them to do a full investigation, verify, and remove the incorrect information. After I received their results with no changes I did my own due diligence I found improper inaccuracies remained as derogatory on my reports. They did not provide proof that this is my debt. The 3 credit bureaus did an improper investigation. 

According to the Fair Credit Report Act Account # XXXX violated my rights - 15 USC Section 6028 States that I have a right to privacy. 15 USC 111681 Section 0 604 Section 2 also states the consumer reporting agency can not furnish an account without my written instructions. 

Account name XXXX XXXX Account number XXXX Recent balance {$520.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$520.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX  XXXX  Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$520.00} High balance $ 0 Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. 
Comment history Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) .| XX/XX/XXXX - XX/XX/XXXX Affected by natural or declared disaster.| XX/XX/XXXX Account history 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 Payment history guide Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX XXXX Balance history The following data will appear in the following format : Date : account balance / date payment received / scheduled payment amount / actual amount paid XX/XX/XXXX : {$520.00} / No data/ No data/ No data XXXX XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data XX/XX/XXXX : {$520.00} / No data/ No data/ No data The original amount of this account was {$520.00}
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (NJ)

I opened a credit line with carters ( XXXX XXXX XXXX XXXX from Comenity Capital Bank ) Ive tried calling them 50 times to make a payment and their phone service is down, it keeps telling me that they are close due to out of control reasons to try to call at another time, Ive tried creating an account to make a payment and it asks me for my credit card number that Ive never received, Ive tried sending a message to their center and it asks me to sign in and in order to sign in I need to have my credit card number which Ive never received, my payment was due XX/XX/XXXX and its late showing in my credit report now, I need this account erased from my credit report and I need XXXX company to solve this ASAP
Consumer complaint received 2024-03-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I have an FHA loan for 30 years {$160000.00} at 4.25 %. I was told that I would need to pay PMI for an estimated 5 years or until it reaches 80 % at signing of the loan. Its been 7 years and they still have not removed the PMI. My insurance and property tax have both went up due to the increase in home values since XXXX. My home was recently appraised at {$250000.00}. The bank says they can not use an appraisal from another bank and for them to do an appraisal on my home, that i would need to refinance. But they can only offer around 8.50 % right now on a refinance loan, and that is almost double my current loan. I feel its wrong that the bank is basically forcing me to refinance or keep paying PMI on my home and its clearly way past the point of value needed for elimination. Please help. 5th3rd bank is the bank.
Consumer complaint received 2021-06-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc. (IA)

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TN)

Thursday, XX/XX/2024, I recieved a notification text message and email from Chase Bank notifying me that my Checking and Savings Account has been closed. There was no warning for this closure. I immediately contacted Chase Bank and questioned the event. The only information they provided over the phone was that the account had been restricted and they're unable to tell me why it's been closed. 
Today, XX/XX/2024, I went to Chase Bank in person to further enquire about my account being closed. The only information they could provide was that the account is in the process of closing, there is no reason given why it's being closed, the acount will be closed the XXXX, the check for the amount that's in the account will be mailed XX/XX/XXXX, and I should recieve the check approximately XX/XX/2024. I asked if it'd be possible to pick up the check XX/XX/XXXX and they said that it'll have to be sent through the mail.
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act XXXXt the following account numbers indicated below have violated my rights to privacy, according to 15 USC 1681 Section 602A. 

Furthermore, according to 15 USC 1681 Section 604A, Section 2. A consumer reporting agency can not furnish an account without any written instruction. 

Account # Vendor Amount XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (GA)

I obtained an {$800.00} XXXX XXXX XXXX  loan from Spotloan in XXXX of XXXX. The terms of the loan were ; I was to pay {$140.00} bi-weekly for 10 months, and payments were automatically drafted from my checking account. However, I'm still being charged. I contacted the company and asked why? I was told I missed a payment and it extended my loan until XXXX of XXXX. I was also told they " tried '' to contact me, but couldn't. Yet I did speak with a representative who informed me I could refinance and borrow more money, which I declined. I authorized a payment be drafted from my bank account and believed I was current. I was not, and they have been charging me interest daily. My current balance is {$640.00} after paying {$280.00} for 11 months.
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (TX)

FCRA violations : accounts not mine XXXX/XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$22000.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Collection account
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (NE)

Fraud reporting on my personal credit profile from Identity Theft My personal information was used to open accounts on my credit profile. 
these accounts have had a very negative action on my credit profile as well and i have disputed with the reporting credit bureaus with no change to my profile because there is never an investigation into my claims even when i presented inaccurate and unverified information to the bureaus. this is my third attempt to have them remove the invalid accounts from my personal credit profile and if they fail i will seek legal actions against the XXXX reporting bureaus. XXXX, Equifax, XXXX for reporting false information on my credit profile. A report was also filed with the FTC and Local Police
Consumer complaint received 2022-02-17
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (TN)

Total amount owed on my Vehicle was {$24000.00}. I sent in a check for {$25000.00} to pay off vehicle to Bridgecrest XXXX ( XXXX ) I was told I would be charged XXXX cents a day after the XXXX day payoff period and that they would put whatever date the check is made out for which was ( XXXX ). I overnighted the {$25000.00} to them via XXXX, they received the check on the XXXX of XXXX and are still saying I still owe {$510.00} and are charging me XXXX cents a day after I have already given them {$25000.00} plus the XXXX $ a month I was paying on the car for the time I had it, which totals around XXXX XXXX In all I have given Birdgecrest also known as, XXXX over {$30000.00} for a used car with over XXXX miles on it, and they are still saying I owe them XXXX XXXX Their employee told me on a recorded line that I wouldnt have to pay anything after XX/XX/2022 once the check was received if the check had a printed date, which it did! This is not okay and they also reported to my credit company that I was late/delinquent and the check is dated for the XXXX of XXXX. This isnt right and they should be held accountable!
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (IA)

On XX/XX/XXXX, XXXX, XXXX, XXXX as well as XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX I have tried accessing my account online to make a payment, only to be told I can not access my account due to a system update.

Im unable to check my balance, make a payment, check my card for fraudulent purchases, or cancel my card. 
Now the website suggests XXXX, which does not work. Ive tried to enter multiple times and the page never loads and then says it can not be accessed at this time. 
If I call, it says it will connect me to an agent and then the call disconnects. Ive tried all the company suggestions multiple times and nothing works.