davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation (GA)

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
Consumer complaint received 2021-09-10
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DigniFi (MD)

I was told that if I did not make my final payment today that the funds I currently paid would be charged as interest towards the original loan and that I would have to pay court fees and attorney costs for the proceedings. I then asked for information regarding their company and how my file ended up in their office. Instead of attempting to help me with this information I was told that I was annoying like a XXXX XXXX XXXX girl or a mosquito. I was also called a XXXX and the gentleman proceeded to ask about my personal details. Such as a vehicle I recently purchased and other personal details in which they should not have access to. I asked if calls were recorded and if I could have a copy and I was told that I was harassing them and that they didnt have to do anything to help me. I have since been repeatedly hung up on when attempting to get information regarding our correspondence.
Consumer complaint received 2021-10-05
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. (FL)

XX/XX/2021 I mailed a certified dispute letter to XXXX and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 1200 complaints on CFPB they also have over 100 complaints with the XXXX.
Consumer complaint received 2021-09-10
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: Velocity Portfolio Group (NV)

XXXX and XXXX is reporting fraudulent information. I provided an ftc report listing these fraudulent items. They removed it once and then placed it back on my report. When I asked why they couldn't give me any reasoning. 
This item was removed from the other bureaus, was not placed back on my report. 
My information was found on the dark web, XXXX data breach a lot of fraudulent items and inquires were found. This is affecting me from purchasing a home for my children. 
The law prohibits false information to be reported.
Consumer complaint received 2021-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2021 I mailed a certified dispute letter to XXXX and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 1200 complaints on CFPB they also have over XXXX complaints with the XXXX.
Consumer complaint received 2017-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

This account I believe belongs to my mom which lived with me for a couple of years and filed a bankruptcy. I have asked to have this account verified and have received a report saying the account was verified and belongs to me. 
I asked how did they verify the information and they stated they contacted the court so I contacted the court and they indicated they dont provide information to credit bureaus. They then indicated they verified the information from XXXX XXXX which I contacted because I had a security freeze in place and they indicated the credit bureaus cant access my credit report. 
So Im at a loss to how they have verified this account on my report when the sources say they cant be use to verify information.
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (TN)

Wells Fargo claims that I have a late payment when all of my payments were automatic withdrawals. The very last payment was a payoff of the entire loan in full. However Wells Fargo contest that there was a late payment when there was actually a pay off. 



This information does not show on any of my credit bureau listings and files however when I have applied for credit or a loan this is white the denial letter says from these individual loan products or credit products.
Consumer complaint received 2021-07-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The Bank of America is gaslighting me and the government because there are no consequences to their behavior. I would like to refi my house and have been trying for well over a year to refi my home but the bank will not level with me. Im not a risk for the bank with an XXXX FICO score and having lived on the property for over 35 years. Im concerned about dinging my credit and request the refi formally because Im weary of the banks endless changing of the rules of engagement as it discriminates against minority XXXX female borrowers. You cant do much, I know because this agency has no enforcement power, but I wish to make a record of this ongoing situation. Thank you.
Consumer complaint received 2021-07-12
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. (WA)

I disputed an unfamiliar account that was reporting as inaccurate and incomplete with all three CRAs on XX/XX/2021 siding that the account was unfamiliar to me and ask them to investigate the account to verify that the account was indeed mine. That intern provided no resolution only a simple one line response from only XXXX saying that the account was verified but no documentation or explanation of how it was verified, which I did request. 

I received no response from XXXX or Trans Union whatsoever. 

On XX/XX/2021 I filed a second dispute with all three CRAs And again informing them that there was an account that was reporting in accurate and complete. This time I submitted documentation explaining and highlighting all of the errors that I found on my most recent credit report regarding this account, which were several. Nearly every element was inconsistent across the three bureaus. The amount owed, date the account was opened, date the account was closed, last reporting date, last payment date, literally everything regarding that account was inconsistent as well as many things that were missing from the report making it clearly incomplete. Because of this I asked to have a thorough a complete investigation on the account and provide me with their findings, and ask them to include who they contacted, what method to use to verify this information, etc. I also notified them of their obligations under the FCRA, that everything contained in the report must be complete and accurate. 

In response, this is what I received from each bureau. 

From XXXX I received what appears to be a standard form letter saying that they had already looked into the account ( from my first dispute ) and it came back as verified, although they did not provide any information or documentation on how that was determined, and informed me that they would not be closing the account. They also informed me that I would need to provide documentation as to why I am challenging the account, which I clearly did. Which leads me to believe that they did not do an investigation at all, But instead just used the information from the original dispute and deem that it was verified. Which does not constitute a reasonable investigation as required. 

From XXXX I received no response to the first dispute, to the second dispute one of the accounts I was disputing was removed, the other, which was only reporting on XXXX, was not removed. I received only one line response in regards to the Account that was not deleted siding that it was verified with no explanation or documentation. 

From Trans Union I received nothing in response to my first or second dispute on the matter. All of these disputes were six certified mail so I know that they were received. They are now noncompliant of it the requirement to respond within 30 days not once but twice.
Consumer complaint received 2021-07-06
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. (AZ)

Violation of FCRA 15 U. S. Code 1681 ( a ) under Exclusion ( b ).

The definition of credit card under 15 U.S. Code 1602. My social security number is consider my credit card by Law and by Law, all items listed in my Facts and Law Demand letter must be excluded from my credit report and credit file.

Credit reporting is completely optional by Law, and now Law is written that credit reporting is mandated. Therefore I am exercising my consumer rights and demanding all items enclosed in my letter be excluded from my credit report and credit profile.
Consumer complaint received 2018-12-04
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (CA)

I have already payed the company almost a year ago. I called the company and send them a Copy of my bank statement proving this. They agreed they had received it. I do not know why it is showing up now on my credit. This had been settled before it affected my credit. 

Thank you, XXXX
Consumer complaint received 2017-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

This account I believe belongs to my mom which lived with me for a couple of years and filed a bankruptcy. I have asked to have this account verified and have received a report saying the account was verified and belongs to me. 
I asked how did they verify the information and they stated they contacted the court so I contacted the court and they indicated they dont provide information to credit bureaus. They then indicated they verified the information from XXXX XXXX which I contacted because I had a security freeze in place and they indicated the credit bureaus cant access my credit report. 
So Im at a loss to how they have verified this account on my report when the sources say they cant be use to verify information.
Consumer complaint received 2019-05-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Applied for credit with XXXX XXXX thru XXXX XXXX. Credit was denied based on erroneous information with Experian. Credit bureau reported 'applicant is deceased '. This is untrue. Currently alive. i maintain an active account with Experian. Need to resolve this problem immediately. It would be helpful to speak with a person rather than canned numbers to punch which don't address my issue. The government knows I'm alive.
Consumer complaint received 2021-09-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

i purchased my home in XXXX of XXXX, at the time the lender and servicer was XXXX Mortgage. several months later i received notice that wells Fargo would be taking over as the servicer of the loan. i am very concerned as my monthly mortgage payment has gone up twice claiming that we did not pay enough in Escrow and another claiming we have not paid enough in taxes. i am concerned that they are making up charges and taking my money. i have no recourse as i have to pay for the roof over my head. i also read today that wells Fargo was not supposed to take on any more assets after 2018 and it worries me that they are now the owners of my mortgage. since i purchased the house my mortgage payment has almost doubled and no one on the banks end can give me any real explanation as too why other than to tell me that i have to pay it
Consumer complaint received 2017-11-19
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. (TX)

I received a request for feedback and I was unable to sign in to provide that feedback. In my opinion the Complaints that I have filed with CFPB are being sent to the reporting agencies and the agencies spins the Complaint are offer incorrect information without the proper investigation and provide the same erroneous responses. Again, I request an indept investigation into the issues surrounding my Complaints. Also under the Freedom Of Information Acts I be provided a copy of all the Records and communications that are in my Credit History File. If the CFPB is not genuinely willing to assist with getting to the bottom of the improper behavior by these reporting agencies please provide me with the government agencies who would have oversight of this type of issue.
Consumer complaint received 2017-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (CO)

I have a mortgage with Colorado State Bank and Trust. Account # XXXX I mistakenly thought they were auto collecting from my bank account. Come to find out they were no longer taking auto draft payments. Somehow they notated my file as " do not contact '' so they never contacted me. Today I discovered 5 months have gone by without a payment. I immediately called to make a payment in full to bring my account current. They refused my payment and referred me to a foreclosure attorney. The Foreclosure attorney XXXX XXXX XXXX XXXX XXXX File No XXXX has not processed the file. They said it was a brand new file and nothing was on record yet. They have not filed foreclosure. I called the Public Trustee Office and confirmed Foreclosure has not been filed. Both the Bank ( Colorado State Banks and Trust ) and the Foreclosure Attorney XXXX XXXX are seeking to publicly file foreclosure proceedings against me instead of allowing me to bring the loan current. They are refusing forbearance or to accept any money.. I have all of the money they are seeking to bring the loan current and instead they are seeking to incur unnecessary legal fees and file a Notice of Election and Demand against me, at some point in the future, instead of accepting my money today. I have spend over three hours on the phone with both the mortgage company and the foreclosing attorney and their united and consistent goal seems to be - refuse my money. Take my house. Take my equity. They refuse to work with me whatsoever.
Consumer complaint received 2017-11-17
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. (LA)

I have disputed unknown inquiries with Equifax several times. I have also, explained to them that these inquiries are unauthorized and not mine. The only things that I have applied for are tied to accounts that I have. They stated that the inquiries will remain on my credit until they fall off, but they never stated how they properly verified these inquiries, therefore they should be removed from my credit report. I have also, contacted XX/XX/XXXX and they removed inquiries from my credit report as I asked. I have also, filed a theft report with the Federal Trade Commission. I demand that the following inquiries be REMOVED from my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I checked my balance on my XXXX XXXX XXXX with Bank of America and the transactions shown that a XXXX cash withdrawal was made on my account the last time I used my card was with the bank at a different location
Consumer complaint received 2021-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NJ)

I am being sued by a Midland Credit Management in court of XXXX County, NJ through XXXX, XXXX XXXX XXXX, XXXX law firm for the debt that they did not validate. I have filed my answer with court on time. I have received in the mail interrogatories from XXXX, XXXX XXXX XXXX, XXXX that I responded to. I have mailed them my interrogatories asking to validate the debt and about the Statue of Limitations several times and did not get any answers. They mail me harassment letters wanting me to admit the debt without any validation. I have attached the documents that I have received from the court, XXXX, XXXX XXXX XXXX, XXXX, and my responses to them. I can not obtain any account statements from the original creditor XXXX XXXX. in order to verify the debt and the last date of payment for Statues of Limitations. This account has been charged off as per XXXX XXXX XXXX . and I don't remember any details and don't have any records left.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TN)

I opened a Chime Bank account on XX/XX/2024 as I was referred by a friend. Since opening a Chime Amount of have experienced numerous unauthorized transactions from various online gaming establishments. I have files CFPB complaint number XXXX in regards to the most recent 95 unauthorized charges totaling {$3900.00} that were made to XXXX XXXX XXXX 

Within this complaint I would like to address the unauthorized transactions that I disputed with Chime Bank under dispute XXXX that occurred from XX/XX/2024 to XX/XX/2024 for XXXX XXXX XXXX as listed below that total {$3500.00}. 
Date Amount XX/XX/2024 {$10.00} XX/XX/2024 {$20.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$20.00} XX/XX/2024 {$20.00} XX/XX/2024 {$50.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$25.00} XX/XX/2024 {$5.00} XX/XX/2024 {$30.00} XX/XX/2024 {$20.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$20.00} XX/XX/2024 {$50.00} XX/XX/2024 {$20.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$20.00} XX/XX/2024 {$20.00} XX/XX/2024 {$20.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$10.00} XX/XX/2024 {$100.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$50.00} XX/XX/2024 {$20.00} XX/XX/2024 {$20.00} XX/XX/2024 {$20.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$20.00} XX/XX/2024 {$5.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$20.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} XX/XX/2024 {$20.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$5.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$50.00} XX/XX/2024 {$100.00} XX/XX/2024 {$50.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$100.00} XX/XX/2024 {$50.00} XX/XX/2024 {$50.00} Chime Bank denied by dispute with their standard response of " Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. '' I have requested the investigation documents however to date have not received the information,
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have contacted XXXX several times about information they are reporting on my report. I sent in my photo ID with the correct spelling of my name and correct mailing address but they refuse to correct this issue.
Consumer complaint received 2021-07-06
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: EQUIFAX, INC. (GA)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.