davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Called twice today XX/XX/21. And the first time I received the same Rep as I get at XXXX XXXX, none to say she was no help and neither was the next one. Neither one could explain the drastic uptick in the amount they are charging me in my minimum payment and why it's stated as interest. 
And also I would like to know why I could not use my card this month when I had available credit. And NO XXXX either. 
Thank you.
Consumer complaint received 2022-07-02
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)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my XXXX consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX I have 4 hard inquiries on my credit report that I did not authorize. I also went to a car dealership and applied for a car and was told my credit would be ran once instead my credit report was improperly use. They ran it multiple times, and I did not authorize it.
Consumer complaint received 2020-11-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NC)

I been in my home for almost 21 years my loan has been sols without my permission 7or 8 times.Every time its sold or transfered always they add more that my loan & house is worth up to XXXX $ sometimes.Ive been struggling since my job has gotten slow .They Value my home at XXXX $ i find this hard to belive it a XX/XX/XXXX doublewide.XX/XX/XXXX i had to file chapter XXXX which i paid XXXX $ on this loan over a 5 year period.Like i get no credit for that. I need help on getting my loan back on track.I dont know what to do & i do wont to keep my home .Any assistance would be greatly appreciated Thank XXXX XXXX
Consumer complaint received 2020-04-26
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Consumer Portfolio Services, Inc. (MA)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right 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. 

The following Accounts : Loan Account Holder : XXXXXXXX XXXX XXXXXXXX XXXX Monthly Payment : {$670.00} Loan Account number : XXXX Amount on Loan : {$17000.00}
Consumer complaint received 2022-07-02
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)

XXXX has stated that my account was paid late XXXX time ; XXXX days. 

After talking to many customer service reps, I was finally told on XX/XX/22 that XXXX has had issues with their computers resulting in false XXXX day late payments. 
I was informed to dispute these with the credit bureaus. XXXX did not investigate or fix the issue. ( XXXX day late payment on ALL XXXX of my credit reports ).
Consumer complaint received 2022-09-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE (TX)

Barclays took over old navy and failed to send statements new card or grant access to account. I have been calling Barclays for about two months to fix the issue and they have told me multiple times it was their fault and were going to reverse all fees and interest to original amount but never do. They use deceptive practices to try and collect money that I am not responsible for saying they have corrected the charges but it is never corrected after five calls. They will tell me to call back and still the amount has not been adjusted. All these calls have been recorded. They also stated my credit report would not be affected and it still shows. They continue to lie even when they stated it was their fault. This is on recorded conversations.
Consumer complaint received 2022-07-02
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)

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C. 1681 section 602 A states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

On XX/XX/2020, My public record " Bankruptcy '' will expire.The 10 year mark is over with.The actual date date i filed is XXXX.That date is on record.Therefore, this public record should not be on my credit reports at all
Consumer complaint received 2022-07-01
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. (WI)

the 3 major credit reporting agencies are reporting negative information in my credit file., i have never given anyone written permission per law, to place anything in my personal credit file. as per fcra, ( fact ), law i was supposed to be given a 30 day warning, before or within 30 days, that anything negative would be put in my file. I have written the alleged lenders, and they have never verified, or even written me back at all.The credit bureaus are supposed to be independent reporting, but they obvioulsy are biased, and do things that are harmful to americans financial well being. We know they are too big to fail, but too big, too follow, the law?? There actions are instrumental in keeping americans in illegal/unlawful Financial slavery., US v Kozminsky
Consumer complaint received 2021-04-12
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: Cedars Business Services, LLC (WA)

In XX/XX/2020 I wanted to start building my credit and checked XXXX XXXX I noticed a collections account my credit report that does not belong to me. I immediately disputed this, put a security freeze and fraud alert on my credit report. I ordered a copy of my credit report and noticed my middle name was spelled incorrectly and there was a phone number on my report that does not belong to me. I filed an identity theft report with the FTC. XXXX  removed the collections. XXXX  refuses to remove the fraudulent collections account from my credit report. I believe XXXX is violating the fair credit reporting act. I have been trying to dispute this account for nearly a year. I have filed three identity theft reports, made at least five disputes, contacted the Washington State Attorney General, XXXX, and my local police department. XXXX  refuses to remove this debt and I am not sure what else I can do.
Consumer complaint received 2022-04-01
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. (TX)

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) I have already called XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2022-04-01
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. (TX)

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-04-12
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. (FL)

XXXX XXXX claims I owe for a credit card that I never applied for had or used I never had a XXXX XXXX card this is not my card I have tried to tell them numerous times that this is not my card I am going to hire a lawyer and get a lie detector test to show that this is not my account I am going to charge the lawyer fees and the lie detector test fees to XXXX XXXX and Experian when I prove this is not mine this needs to be removed from my credit report
Consumer complaint received 2021-04-12
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I'd Really like for Experian to take a look at the negative item that Ive listed below, because Ive tried again and again to make sense of what Im seeing. unfortunately. I cant make heads or tails of this and need your help Ive found multiple inaccuracies and Im aware that your job is to ensure the accuracy of my credit report. if you would, please investigate these item and send me a new credit report reflecting the changes ( I would appreciate it if youd expedite this because i need to apply for a job ). if you really look at the info that ive provided, youll see why ive said these arent reported correctly what i cant figure out is why im seeing this information to begin with, because arent you supposed to verify everything before it every hits my credit report i really dont think that youve done this so i would really like for you to fix this now. please investigate the following account : XXXX XXXX XXXX  # XXXX
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I got a copy of my credit report and noticed some accounts that i did not authorize.I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I REQUSTED COPYFREE ANNUAL CREDIT REPORT ON XX/XX/2021 FROM ALL 3 CREDIT AGENCIES AND TO THIS DATE HAS NOT BEEN RECEIVED
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On or around XX/XX/XXXX, I received a XXXX transfer for {$370.00} from a friend who bought an old computer from me. I checked my account on XX/XX/XXXX and saw that I had more money in my account then I was supposed to. When checking the transaction log, I saw that the XXXX payment went in twice. I contacted the bank and informed them of the error and was told I needed to file a claim for the duplicate transaction and that was done. After that I called my friend to inform him of the error and was told that his account was also debited the duplicate amount. I called the bank back and informed them of the issue and told them that the original claim time of 10 business days wasn't going to work as my friend needed the money. I was then informed that I was given misinformation and that this was a known error, and they are working to resolved it. The extra amount should be taken out of my account today and back in his within XXXX hours. That did occur and everything was settled. Then on XX/XX/XXXX around XXXX I checked my account to see that it was a lot lower than it should be and when checking the transaction log, I saw a debit/hold for {$370.00}. I contacted the bank again and was told it was for the original claim and I informed them that it was already settled, and I don't know why they are taking it out again. That is when I was told they would have to submit a withdraw request, but it wouldn't be started until next week. That is not going to work so they transferred me to a supervisor named XXXX and I told her the same issue and was told that it's my fault for not closing the claim when in fact the fault lies on the bank for not catching it or informing me that I needed to close the claim back on the XXXX. I got so mad that I was going to close my account, so they transferred me to a different department. When I spoke with that department the supervisor there took action and called the XXXX non-fraud department and the money put back into my account. Well, this morning I got a text from the bank saying my account was at a low balance and when I checked to see why I found that they took the money back out of my account for their error. When I called them this morning to discuss the issue the first agent, I spoke with said that a claim should have never been filed and the agent I spoke with originally should have known that. She transferred me to the XXXX claims Dpartement and it was closed so I had to call back and speak to a different department. It is still not resolved, and it need to be investigated. Bank of America is not responsible enough to handle customers finances or handle disputes if one where to arise. Due to their constant mistakes, I can't make the down payment on my credit card, I can't buy enough food, I can't pay my bills all because they are not responsible enough.
Consumer complaint received 2020-04-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

We submitted a compliant regarding our homeowner 's insurance that was cancelled due to Caliber 's error during and after the transfer of our loan to them. Please see CFPB complaint number XXXX. Since then, we have received a new escrow analysis which stated that our monthly escrow payment was increasing from approximately {$400.00} a month to approximately {$1000.00} per month. I wrote to Caliber about this error. They stated we had a {$1900.00} shortage in our escrow at the time ( XXXX, possibly early XX/XX/2020, but before theXX/XX/XXXX payment was received ). I told them they were in error. We had paid the hazard insurance out of pocket and they were working from the wrong numbers and our escrow balance should not be short {$1900.00} based on what they actually paid. The response was that they were correct and the tax department would let us know if there were any other issues that required attention. What a ridiculous answer. This isn't a 'tax ' problem! They completely ignored the substance of the issue we brought to them. Like most people, a payment shock of {$600.00} PER MONTH is an amount that we can't pay, but we shouldn't have to pay it either, if they spent five minutes looking at the substance of our complaint. As you will see from their documentation, they are still taking into account that Caliber disbursed funds for insurance of about {$1200.00}. I do not see the credit to escrow promised in response to the prior CFPB complaint and they are double-dipping and collecting more than is allowed under the law.
Consumer complaint received 2020-04-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Willful non-compliance as per FDCPA 807. False or misleading representations 15 UCS 1962e. 
I wrote my first letter On XX/XX/2020, Second letter on XX/XX/2020, Third letter on XX/XX/2020, to Portfolio Recovery Associates LLC to request validation of debts they claim I owe. $ XXXX $ XXXX $ XXXX {$910.00} of which they are reporting to the credit bureaus ; I formally disputed their claims. I not only disputed their claims but requested my signature as validation of said debt within 30 days of receiving my requests. They not only failed to provide me with validation, they didn't respond to me at all and continue to report as of today XX/XX/2020 which has been detrimental to my credit score for debt they unable to validate as mine.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

XXXX credit card services changed my method of billing delivery at some time in late XXXX. For more that 30 years my wife and I have received ONLY PAPER statements for the following : XXXX credit cards, XXXX automobile insurance premium, homeowners insurance, automobile loans, and checking account. At no time in those 30+ years have we ever requested or received an electronic billing statement. This specific credit card account often had no minimum payment due OR there was a zero balance. In early XX/XX/XXXX I received a notice from XXXX XXXX XXXX XXXX XXXX that my FICO score had dropped XXXX points ( XXXX to XXXX ). I immediately learned that XXXX had reported a past due of {$41.00}. I immediately spoke with XXXX and paid the full balance and filed a " dispute '' regarding this " past due ''. XXXX immediately refunded their late fee, and initiated the investigation. On XX/XX/XXXX I spoke for nearly an hour with a XXXX XXXX XXXX XXXX representative. That advocate informed me that she had completed all research on the matter and specifically stated that " we have no idea how this happened ''. Furthermore, she stated that " I have done all of the research and there is no process/procedure/facility to determine how, who, when or why this change was made to my account ''. Ten ( 10 ) days later, another representative from the XXXX group informed me that they were not going to correct the error on their delinquency report. And in complete contradiction to the earlier two conversations with XXXX  that SHE had figured out that I requested a change in billing delivery to electronic on XX/XX/XXXX. The representative was unable and frankly unwilling to provide any documentary evidence that I had made or requested any change. XXXX could only assert that I was in my on-line account that day. Therefore, I must have made that keystroke change. This was an error that several XXXX representatives had already affirmed in several discussions.
Consumer complaint received 2021-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KLS Financial Services, Inc (NC)

On XX/XX/21 I received a phone call from someone at KLS Financial Services ( XXXX XXXX XXXX # XXXX, XXXX, NC, XXXX ) the voice mail said it was an urgent matter and that I needed to call them back. There was no mention of them being a debt collection service, I had to learn this by looking up the name online. I ignored this phone call because it was predatory and I knew they would need to send me a written notice of the debt and my right to dispute it. On XX/XX/21 I began getting credit notifications that there had been a change to my report, when I looked up the changed I noticed KLS had added a negative remark to credit account. I have received no written noticed from KLS and have only received the XXXX phone call on XX/XX/21. I do not even know what this debt is regards to and the amount.