davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (TX)

After I made a series of complaints against Bridgecrest because my payment was not being applied correctly I have noticed that I am no longer able to make a payment online. I get an error message every single time I try to make the online payment and I am forced to call into bridgecrest when their offices open and make the payment with an agent. This has been going on for XXXX months now. I have spoken to Bridgecrest agents about this and they are aware of the problem. Yet in XXXX months the issue is not fixed. This is clearly retaliation for my making the complaints. I have a right to file a complaint with regulatory agencies and I am not suppose to face retaliation for doing so but this is clearly retaliation. I even spoke with an escalations agent who said when she logged into my account she can make the payment. She does not encounter an error message. But I do. I demand this issue be fixed. I will not go the life of this loan being forced to call in to make every single payment. I also demand all charges from making the payment with a bridgecrest agent be waived since bridgecrest has taken from me the right to make my payment online. 

I also can't contact Bridgecrest any other way than by phone as they have also removed my ability to contact them through their website. That too responds with an error and tells me to call in.
Consumer complaint received 2022-04-29
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. (PA)

In Accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2022-01-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (TX)

Debt collection company : EOS CCA on behalf of XXXX XXXX XXXX  I have been receiving multiple texts and phone calls/voicemails regarding someone elses debt. At first I thought it was a scam because I am current on all my debts and have never used XXXX XXXX XXXX ( which they claimed to be collecting on behalf of ). The text messages and voicemails threaten tax levies, garnishment of wages, etc I finally called them back and found that they were calling/texting regarding a debt they KNEW was NOT MINE. I believe this is a violation of their right to ONLY contact me ONCE. I also feel that their scare tactics of trying to make me believe that I was the one in danger of tax levy and garnishment rises to the level of harassment under the law. 

The collection agency is XXXX on behalf of XXXX 

I have deleted multiple texts and voice mails regarding this, as well as blocking numbers, but I still have records of the following contact attempts : XX/XX/XXXX voice mail stating they have been retained by XXXX XXXX XXXX to file for judgment XX/XX/XXXX text message received stating garnishment and tax levy XX/XX/XXXX voice mail stating they are filing for garnishment and tax levy
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MI)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on GM FINANCIAL. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-08
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: EQUIFAX, INC. (PA)

I like to file a complaint for fraudulent debts listed on my credit report that does not belong to me. I have attached an Identity Theft Report XXXX with this complaint. The accounts that are fraudulent : XXXX XXXX and XXXX XXXX XXXX XXXX. I want these fraudulent items removed from my credit report immediately. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer
Consumer complaint received 2021-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I sent in police report and transunion still won't remove inquires please help me. 


XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-07-24
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

On XX/XX/XXXX of XXXX, we started a refinance process with Freedom Mortgage. We currently have an FHA mortgage with this company. They contacted me because they said they could reduce our rates with a streamline loan and decrease our monthly payments. To date, we have not closed this refi. Every month it gets extended because of mistakes that they are making. Every month we are assured that it will close and are told not to make our payment. Then, toward the end of the month they insist I pay that months payment ( including a late fee ), and then the process starts over because they have to recalculate all of the paperwork based on the new numbers. We are beyond frustrated and don't know who to turn to. We have been passed along to dozens of representatives from multiple departments within the Freedom mortgage corporation, none of which seem to be able to move this along, and all of which have failed to keep their promises.
Consumer complaint received 2019-11-13
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: Law Offices of Hayt, Hayt & Landau, LLC (NJ)

This is the 3rd attempt now to have this resolved. XXXX XXXX said I owe {$2000.00} but couldn't prove the account is mine or even that I opened it. They claim it was opened online so no signature, proof of contract, no copy of identification and any way to prove it was mine just a former address. Now they are passing me off to a lawyer office for payment on an account I do not owe on. They have to prove they are reporting 100 % accuracy which they can't.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is still reporting on my Credit Reports and needs to update this late account from my reporting : XXXX XXXXXXXX-Balance {$0.00}
Consumer complaint received 2021-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (IL)

I came out of forbearance last year in XX/XX/2020 and have a deferral agreement from the bank. On my bank statements it has an Outstanding Principal amount and states my deferred balance. 

The problem is when I'm on the website is shows both amounts and adds and has a combined balance. I've been calling the company for two weeks and have spent over 3 hours on the phone with them and no one can explain why my deferred amount has been added to my starting principle. 

Every time the call ends with a supervisor will call you within 24-48 hours and no one calls me. I ask to speak with a supervisor and they tell me they can not transfer me to one.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I checked my credit and found that XXXX XXXX XXXX  DID NOT remove he account as promised, if I paid the debt in full. Instead, they have reported it as charged off paid. That is NOT what was promised to me by XXXX XXXX, Sr Collector at XXXX XXXX. I want this account removed ASAP!
Consumer complaint received 2023-01-19
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: EQUIFAX, INC. (MD)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-02-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

I am a victim of identity theft. Several years ago my office was broken into and my wallet was stolen, as was my passport. I filed a police report with the XXXX Police Department which I have attached to this dispute. I recently attempted to establish a XXXX account but was told my XXXX account was frozen. I did an online chat and was told that because I had violated their terms of service I was banned from the XXXX service. I have never used XXXX before so I could not have violated any terms of service. I suspect someone has used the XXXX service in my name and there may be a debt or issue lingering due to this identity theft. I told XXXX about this and told them I have filed a police report but they did not want to see the police report nor would they disclose to me if an account had been opened in my name.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I checked my credit and found that XXXX XXXX XXXX DID NOT remove he account as promised, if I paid the debt in full. Instead, they have reported it as charged off paid. That is NOT what was promised to me by XXXX XXXX, Sr Collector at XXXX XXXX. I want this account removed ASAP!
Consumer complaint received 2024-02-27
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. (NV)

XXXX XXXX XXXX XXXX DATE OPENED XX/XX/2023 BALANCE {$0.00} ACCOUNT TYPE Credit Card CREDIT LIMIT {$200.00} HIGHEST BALANCE {$140.00} RESPONSIBILITY Individual ACCOUNT DISPUTED Never open account. ID Theft
Consumer complaint received 2022-10-14
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (FL)

My credit history shows that my final bill for XX/XX/2018 was 30 days late, thus giving me my only negative mark on my credit report. I believe this late payment is not correct as I paid off my loan off during that same month. Im not sure why Volkswagen Credit would give out negative marks to a loyal customer who paid on time every time and paid my loan in full. This company should not be dealt with!
Consumer complaint received 2022-04-29
Product: Credit card or prepaid 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: Coinbase, Inc. (NC)

On XX/XX/2022 I had 4 fraudulent charges to my Coinbase Card in the amount of {$500.00} each all within 2 minutes from a XXXX XXXX that I have never heard of or interacted with. I contacted Coinbase Support by phone immediately to dispute the charges. I was told I would receive an email within 10 days from the chargeback team. I never received an email or follow up and it has now been over 70 days. I contacted support several times to follow up and was told to reply to an email from the chargeback team that I never received. I'm then told I will receive an email when the investigation is complete. I have received no email or correspondence in over 70 days. There is no way to check on disputed charges and support is not helpful with a resolution.
Consumer complaint received 2021-09-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION (MD)

In XX/XX/2020, XXXX XXXX  XXXX XXXX account was hacked for a second time. Their choice was to close my account. I then continued to get emails in XX/XX/2020 saying I owed XXXX XXXX XXXX {$1500.00}. I followed this up with many phone calls to XXXX XXXX XXXX where they advised they would resolve the issue because I did not owe them any money, they closed my account! I suppose there is still an issue because now I can not open any other accounts anywhere else.
Consumer complaint received 2021-11-08
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: EQUIFAX, INC. (MI)

Equifax this is your NOTICE OF VIOLATIONS Under 15 U.S. code 1681b- 15 USC 6802 ( b ) and ( c ). I was never provided any notification on paper as to whether or not I wanted the transaction reported. The company had an obligation to fulfill and failed to do so. INQUIRIES 1. XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX All of these accounts are third party debt collector they do not have a enforceable contract 1.XXXX XXXX XXXX  2 . XXXX 3. XXXX XXXX 4.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 18 U.S. Code 8 - Obligation or other security of the UNITED STATES The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes , Federal Reserve bank notes , coupons, United States notes , Treasury notes , gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps . THE DOCUMENTS IN QUESTION ARE SUBJECT TO THE PRIVACY ACT OF 1974 Contents shall not be disclosed, discussed, or shared with individuals unless they have a direct need-to-know in the performance of their official duties. Deliver this/these document ( s ) directly to the intended recipient. THEY WERE NOT TO BE drop off with a third-party. To be used on all documents containing personal information The document ( s ) contained my personal or privileged information and should have been treated as For Official Use Only. Unauthorized disclosure of this information may result in CIVIL and CRIMINAL penalties.
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (NV)

constant incessant us mail solicitation have told discover card NUMEROUS times to cease and desist any and all solicitations. 
But they continue and continue and continue and I am XXXX XXXX OF IT!!!
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SinglePoint GI (NV)

General Revenue is the company. My bankruptcy was back in 2010. Since then I get constant calls and mail saying " we're not attempting to collect a debt this is for information purposes only. '' yet they continue although I've asked them many times to stop and returned their mail. The company has changed hands several times but it never changes. They've called me 20 times since XXXX. I've called and asked them to stop bothering me but they do not. They've even sent registered mail- which I decline.
Consumer complaint received 2020-11-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (SC)

I financed a car in XX/XX/XXXX it a XXXX XXXX with Santander. At the end of my loan I had a significant balance which was predatory. The car was subsequently repossessed. I received a bill of {$6500.00}. I attempted through legal representation as well as personal representation to get this resolved. The balance was sold to a collection agency where I settled and paid {$2500.00}. Santander continues to report derogatory on my credit report after I settled. I later found out that legal action was brought against for the very thing they did to me. Its now XXXX and I was told that it will not be removed until XXXX. This is unfair and I feel victimized all over again
Consumer complaint received 2018-02-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NE)

To Whom It May Concern, We have home loan with Loancare and the monthly mortgage has been paid through auto-payment of XXXX XXXX which has been running smoothly since XX/XX/XXXX. Considering the payment due date is the XXXX day of each month, we set the online payment on XXXX each month from the bank to make sure it will arrive on time. The monthly payment is {$1800.00} per month. 

This week, we received a delinquent notice from the company, being notified that we haven't paid the mortgage for XX/XX/XXXX and XX/XX/XXXX. We checked with our bank and confirmed all the monthly payments were made regularly as usual. When contacting the LoanCare company through the phone, we found out that the company didn't accept our two auto-payments in XX/XX/XXXX ( for XX/XX/XXXX ) and XX/XX/XXXX ( for XX/XX/XXXX ) as regular payments and instead considered them as non-regular payment that directly went to principal balance. They told us that the monthly rate has been adjusted, from {$1800.00} to {$2000.00} since XX/XX/XXXX ( because the escrow adds insurance for year XX/XX/XXXX without confirming with us, given the fact that we paid insurance by ourselves last year ) so not paying the full amount ( with ~100 difference ) has been considered as non-acceptable payment. This has been reported to the credit bureaus and we have been charged with {$69.00} late fee for the same reason. 

We haven't received the payment adjustment notice as they claim sent out in XX/XX/XXXX, nor we were expecting such an adjustment. 

To avoid any further consequence, we have made a new payment today for the full amount the company requested again ( {$4100.00} ), which is indeed the SECOND payment we made for XXXX and XXXX, respectively, plus late charge. 

Not talking about the inconvenience brought for our financial plan, we are concerned about the good standing of our credit we have been working so hard to build. We consider this as a serious miscommunication from LoanCare side. Since their customer representative told us over the phone that she can not do anything at this moment and suggest us to make a dispute. 

We would appreciate if someone can give us some suggestions and assistance on this issue.
Consumer complaint received 2021-01-28
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP (CO)

We received two Good Faith Estimates before closing. One in the application and one after the appraisal came in {$5000.00} less than estimated in addition to the initial estimates provided ( also 1.96 % ) which we used to choose AAG vs other mortgage companies. 

Both XXXX 's before closing indicated a " Margin Rate '' of 1.96 %. The index rate dropped before the second XXXX so the initial rate dropped from XXXX to 2.796 % but the Margin Rate remained the same. 

However, at closing the Margin Rate was increased to 2.51 % to bring the initial rate back up to 3.180 % giving AAG an additional 0.55 % of profit for the life of the loan and penalizing us when the index rates go back up.
Consumer complaint received 2022-04-29
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. (MI)

I have submitted disputes to you and I didn't get a response within 30 days and you all are required by law to do so.Please investigate my disputes.Thank you
Consumer complaint received 2021-11-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

Fact I the affiant is aware and I have proof that Equifax has and continued to violate my consumer privacy Rights. I the affiant observed 11 Violations on my consumer credit report. Equifax is and continues to be in violation of 15 U.S code 168b ( 2 ) 15 U.S Code 1681a ( q ) ( 3 ) 15 U.S Code 1692 ( a ) 15 U.S Code 1692 15 U.S Code 1692g ( c ) Even After Being Informed Numerous Times that information was incorrect and should not be on there. I Have been Injured Numerous times from Equifax Gross Negligent and Willful Behavior These Injuries Include, And are not limited to being denied of credit, my Reputation has been Ruined, Loss Of business income, XXXX, XXXX XXXX the following accounts need to be removed from my credit report and stop the illegal activity I have never gave written instructions to Equifax to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX my information was also stolen in the Equifax Data Breach Equifax Needs To Make This Right And Remove These Accounts