davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation (MD)

Thru bridgecrest is my original loan for my car. I refinanced it with XXXX in XX/XX/2021. I reached out to bridgecrest XX/XX/2021 on whether payoff received and was advised it was not. I went to XXXX put a stop payment on first check since had been a month and certified overnighted a XXXX check and bridgecrest verified to me while in the XXXX office on XX/XX/2021 was signed for by their front desk but still hasnt been applied to my payoff now as of XX/XX/2021. Check was received XX/XX/2021. XXXX now needs a letter stating the payoff is still the same XXXX lien be released if a XXXX check needs to be issued since bridgecrest can not find the XXXX check that was signed for by their representative. Bridgecrest is advising as of today they can not issue that letter. In mesntime I am paying on this loan thru XXXX since XX/XX/2021. This is reported in my credit report now as XXXX days past due and I have cleaned my credit up and come a long way over last XXXX years. I also feel I should be compensated at this point for the stress and frustrating and hours on the phone which resulted in missed time from my job.
Consumer complaint received 2021-05-06
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. (TN)

I have contacted all three Credit Bureaus/Agencies ( Experian, XXXX XXXX XXXX  and the Creditors ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA XXXXection 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2020-01-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

I use to rent from XXXX XXXX XXXX their address XXXX XXXX XXXX XXXX, GA XXXX United States. When I moved out I called them to schedule a walk through but no one returned my calls. So I moved out and left the key with the receptionist at the front desk. Year go by I dont hear anything from them. Two years ago I was applying for another apartment and Im told Im in collections with National Credit System their contact number is XXXX. I called them and they said they are a law firm handling the debt I have with XXXX XXXX. I asked them what debt the read this long list. I told them theres no way Im being charged for normal ware and requested a receipt for all of the damages they were claiming as well as pictures because I left that apartment in perfect condition. I received nothing from them.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (SC)

I called in Abt my XXXX check I received and didn't cash. I called u guys bck and informed u tht I didn't cash it. And y'all said tht you send me another check out and I haven't received it yet. And it's been 5 months now
Consumer complaint received 2021-12-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (FL)

I was recently release from prison and reviewed my credit report and notice that there were collections that I am not responsible for. I am a victim of idenity theft. I have attempted to reach collection company and have not recieved a return phone call. I made a effort to call on XX/XX/2021. Below is a copy of the collection and information. 

AFNI, INC. 
Original creditor : XXXX {$350.00} Balance updated XX/XX/2021 Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$350.00} {$350.00} Payment Info Original balance {$350.00} Balance {$350.00} Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX XXXX internal collection department Status date XX/XX/2021 2021
Consumer complaint received 2021-12-03
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: PENTAGON FEDERAL CREDIT UNION (KS)

Started an application with Pen Fed Credit Union for XXXX XXXX XXXX around XX/XX/2021. Started the application through XXXX and they pushed me to Pen Fed as my best Refinance choice. Both of these places had application processes that asked where your income comes from. On both application processes I told them about both of my jobs including a XXXX job and a XXXX XXXX job and listed my incomes for each. Never were requirements for the application to be approved given. My income etc. automatically qualified me. Pen Fed then returned with requirements that my self employed income be verifiable for XXXX years through tax returns. Where are these requirements listed and given during the application process? I provided bank statements, account transfers, ledgers for my business and my personal income and a letter from my employer. None of this was good enough. Pen Fed ran my credit when it was unnecessary. There is no reason these requirements should not automatically be provided when I input self employment income into the application.
Consumer complaint received 2021-12-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (FL)

This was a loan of {$12000.00}, with {$7200.00} to be sent to a creditor to pay off a loan balance and {$4200.00} to be sent to my bank for my use, and also included a {$600.00} fee. I was notified by email XXXX XXXX that " on XX/XX/XXXX payments totalling {$7200.00} were made on my behalf '' to the accounts I selected as part of the balance transfer and the {$4200.00} would be deposited into my checking account. The {$4200.00} was indeed deposited within XXXX hours. As of XX/XX/XXXX, the balance transfer of {$7200.00} has not been received by my creditor, XXXX. During various phone calls I have been told the transfer was made by check, it was sent the XX/XX/XXXX ( later told it was sent XX/XX/XXXX ), would take XXXX days, then XXXX days, then XXXX weeks and has now been XXXX days. Can not get any phone calls or emails from Lending Club, can not get them to cancel the check and make the transfer via XXXX or any other action. I am being charged interest on a loan amount of {$12000.00} although neither I nor my creditor have received {$7200.00} of that total amount. Absolutely the worst service I have had from any financial company. Have contacted them at least XXXX times with still no resolution other than they are " looking into it '' and will get back to me ASAP which they never do. It is absurd that I have to pay them interest on loan proceeds I have not received.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (FL)

Affirm used XXXX XXXX to collect payment for their accounts. I made an agreement ( marked agreement 1 ) to make payments, then I received a second agreement ( marked agreement 2 ) to resolve the account completely for a total of {$550.00} and this payment was made XX/XX/year>. Affirm keeps reporting on my credit reports that I owe {$160.00} after agreeing to a settlement. In addition, although I paid the settlement amount to marked account paid in full since XXXX on XXXX they are still reporting that the account is charge off. This should be illegal, after making and agreeing on a settlement that a company keeps reporting a balance. This is false to pretend to offer a settlement to resolve this account please see emails, then turned around and do the opposite.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Account # : XXXX, TransUnion has been put on notice that my report contains inaccuracies multiple times in writing by me, a consumer.USPS CERTIFIED MAIL XXXX XXXX XXXX  XXXX is proof that TransUnion LLC received my notice on XX/XX/2022. TransUnion LLC that the continued reporting of this inaccurate information is a clear violation of the FCRA. 15 USC 1681a ( 4 ) Cleary states ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I am a consumer and as a consumer I have a right to privacy, according to 1681b permissible purpose. 
XXXX XXXX XXXX XXXX is a living man with blood running through his body and a free citizen of the state and the people of the several states are unconditionally sovereign within their respective states and must consent to be governed. I have never and I will never give any persons my consent to be governed. No court or persons have jurisdiction over me. I didnt give TransUnion or any person written authorization to furnish THE DIVISION OF CHILD SUPPORT EN on my consumer report. 

Furthermore, TransUnion LLC have failed to provide the method of validation as required under 15 USC1681i ( a ) ( 7 ).

More violations of my federally protected rights : 28 U.S. Code 1691 - Seal and Teste of process 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 s-2 of your responsibilities as a furnisher of information. My rights are clearly being violated according to THE FAIR CREDIT REPORTING ACT. Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA TransUnion is required to ... promptly DELETE all information which can not be verified. 
Attached is my notice to TransUnion demanding deletion for lack proof of contract between me and furnisher and a notice from NYS SECRETARY OF STATE showing no lien is connected to my name in the state of New York. 

I am making complaints with the CFPB, FTC, XXXX  CA and IL state attorneys general and my consumer lawyer has been cc 'd in the most recent notice sent to your agency.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I thought my TransUnion report was frozen after I applied for a car loan but clearly not. Someone tried to apply for an XXXX credit card which was not me. I filed a police report in the past due to stolen identity. Called TransUnion, locked my report and asked them to remove inquiry. Not sure if she understood as she didnt speak good XXXX. 
Waiting for a new credit report but want inquiry removed
Consumer complaint received 2021-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the WELLS FARGO with the account number XXXX still remains on my credit report in violation of XXXX XXXX. The XXXX and XXXX Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-03-30
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. (CT)

I contacted all three of the credit bureau, Transunion, XXXX and XXXX. I ask that they provided me with all the accounts that had errors that I listed in the letter. I was requesting that they provided me with how each account was verified and that steps that we're taking to verify each account. I sent these letters out over 30 days ago and still have not received anything back. I don't feel liable for the debt that my credit report is saying that I owed and I am requesting answers.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS (IL)

In early XXXX I requested that this company provide verification from the court and removal of bankruptcy accounts from my report. The company has inaccurate information on my report still not provided any information from this request. According to them they are still investigating.
Consumer complaint received 2022-04-06
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: STERLING JEWELERS, INC. (AL)

I pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Federal Credit Control, Inc. (OH)

XXXX XXXX XXXX  XXXX balance. Account number XXXX XXXX balance XXXX XXXX account number for XXXX XXXX XXXX I dont owe these Ive despited to the bureaus no proof of debit. I need these removed asap its hindering for financing home.
Consumer complaint received 2019-08-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings (LA)

RE: SPEEDY CASH CARD  #XXXXI WAS GIVEN A $XXXX CREDIT LINE. I AM XXXX AND NEED VERY EXPENSIVE MEDICATIONS. I WAS BROKE BUT NEEDED $XXXX   TO BUY MY MEDICINE. I APPLIED FOR A $XXXX LOAN BUT THEIR SOFT WARE FLIPPED THE LOAN TO A $XXXX.LOAN. I HAVE HAD TO EXTENDED AND THEY TOOK XXXX  DOLLARS OUT OF MY ACCOUNT. I HAVE A LOW VISION PROBLEM. IT CAUSED ANOTHER OVER DRAFT RESULTING IN ANOTHER $XXXX   PENALTY. I AM AT THE END OF MY ROPE.CAN YOU PLEASE HELP ME.XXXX XXXX
Consumer complaint received 2017-12-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

Opened a CitiBank Interest Checking account under the {$300.00} promotion on their web page. Here is a link : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I also gave my bank information to do a opening deposit of {$15000.00}. When I called in to follow up on it, they had no idea where the {$15000.00} went and no clue about the promotion. I told them to look right on your homepage and they will see it but somehow they could not find it, funny. Well after weeks of calls and hours waiting on hold I tried one last time to see if they honored what their advertised and fix things but the manager still no no clue about anything, I do n't understand how that is possible. Seems like a deceptive scheme for consumers to open accounts like XXXX XXXX
Consumer complaint received 2019-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

- I have dispute several times with XXXX  my account already closed in XXXX. I still keep disputing this with XXXX, but it has been demonstrated the account was paid in full, and the last dispute with XXXX  is showing that information. However, they keep showing in the remarks it was paid less than full balance.Attached doc.- From my loan with XXXX XXXX, I'm missing at least one payment in my transunion report. This payment was done and reported by the company.Attached doc.
Consumer complaint received 2021-05-07
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: Convergent Resources, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CONVERGENT OUTSOURCING XXXX XXXX XXXX XXXX XXXX, XXXX Date : XX/XX/2021 Re : Social Security Number : XXXX To Whom It May Concern, This letter is regarding account # XXXX, which you claim This {$800.00} debt is mine ). This is formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence and bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that you could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2021-05-07
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

This number is calling about 5-6 people either kin to me or acquaintances telling them they are coming to get me, file criminal case against me. Officer XXXX is what she goes by but when I call the number it gets answered by a person who just says hello when I inquired about it they first tell me that Im a thief and fraudulent person who steals money which is far from the truth if I messed up I messed up and I want to make it up and fix it. Ace has never attempted to contact me prior to this I have the same number, bank account and address. After about a hour phone call I paid my what all I had to my name because if I didnt I was told the case would move forward. Today I called again because I felt it was a scam and was give 4 different numbers that my account was sold to and none of who I paid! This has caused so much distress with the threats and paying all I have to stop a case that probably dont exist.
Consumer complaint received 2023-08-28
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. (NY)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You 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, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (FL)

I applied with Quicken Loan for my house back in XX/XX/2021. I have had serval Loan estimates since my first one all the way to the end. I got a loan estimate on XXXX stating I need to bring {$2200.00} to close. On XXXX, two days later right before closing on XX/XX/XXXX, my final estimate was {$5800.00}. In XXXX days it goes up {$3500.00} right before closing with no clear explanation again. One guy says its the XXXX 'S but I have everything in an email to the banker showing all the one time fees at closing in XXXX. They had all this information. It gets better, Now I was originally only suppose to bring a couple XXXX to close as stated in XXXX. The first estimate states me getting a check back for {$20.00} and no lender credits. After I got this, I emailed them back saying your missing {$5300.00} in fees. So she then gives me a {$4500.00} credit and I agreed to those terms. Then I get another estimate stating I owe {$4300.00} with a {$4500.00} credit!! So then she ups it to a {$7000.00} credit which leaves me at {$1800.00} to close. Then on XXXX I find out they are giving me a total of {$10000.00} in lender paid fees plus I owe the {$5800.00}. So this bank was off by {$12000.00} from beginning to end. That's unacceptable to be off by so much and then stick me with the big bill at closing XXXX days before. The loan estimate was about XXXX to begin with and when it was done it was close to XXXX. That is a lot of money to be off.