davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-16
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: EQUIFAX, INC. (PA)

After years of reviewing credit reports from the big three on a rotating basis from the web, Equifax now demands that I print and mail a form, and attach copies of other documents. This has happened after Equifax failed to secure our data, and now appears to wish to make the process more cumbersome for consumers in order to reduce the number of people following the process to actually see if they have been compromised. I 've been at the same house and same job for 25 years so it is not feasible that they need additional information from their paper forms. SImply, it appears that they have, for their own purposes, defeated the concept of Annual Free Credit Report to Nuisance Copy/Print/US Mail Credit report in a month or two or three.
Consumer complaint received 2017-12-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

Bank of America forced placed insurance on my loan. They sent a lettering claiming that there was no insurance on the property. However, there has never been a lapse of insurance on the property. Proof of insurance was provided to them on several occasions ; once by the insurance company and no less than two times by me. One time was faxed per instruction of the first letter. When the second letter was received I called them and per their instructions uploaded it to their website per their instructions, which was supposed to resolve this issue. When I received an escrow statement for the following year with a negative balance for the period they claimed for no insurance coverage. I do not escrow for anything.
Consumer complaint received 2017-12-16
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: Early Warning Services, LLC (NC)

Early Warning systems is reporting information that does not belong to me. I have asked several times for a copy of my report and they keep telling me they will email me the report but to this date I have never received anything! It 's been over two months now. They are stating I have a account with XXXX XXXX XXXX, I do not, THE NAME THEY ARE REPORTING FOR XXXX XXXX XXXX IS DIFFERENT FROM MY LAST NAME. MY LAST NAME IS XXXX NOT XXXX! ALSO THEY ARE REPORTING THE SAME THING FOR A BANK CALLED XXXX XXXX XXXX, AGAIN I HAVE NEVER HEARD OF THIS COMPANY, AND MY LAST NAME IS XXXX. WHEN I CONTACTED THE BANKS DIRECTLY I WAS TOLD THEY CAN NOT FIND ME ANYWHERE IN THEIR SYSTEMS! BECAUSE EARLY WARNING SYSTEMS HAS REFUSED TO PROVIDE ME WITH A COPY OF MY REPORT THEY HAVE PREVENTED ME FROM DISPUTING THE INFORMATION!
Consumer complaint received 2017-12-16
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am submitting this complaint on behalf of my XXXX XXXX XXXX mother, of whom I am POA and Trustee of her accounts. Currently she has a Capital One XXXX which pays for XXXX specific and regular monthly expenses - Medications and a storage unit for $ XXXX. 
CaptialOne bank double-charged my mother 's XXXX Bank checking account through auto-payment on XXXX XXXX, XXXX. Rather than XXXX monthly charge of {$80.00} for a storage unit, her account was charged ( also by auto-payment ) an additional {$80.00} fee, creating an overage of {$80.00} to her account. 
As her POA and Trustee, I attempted to speak with CapitalOne personnel by phone more than once. I filed a paper form with CaptialOne detailing the dates and discrepancy and sent it by FAX XXXX XXXX, XXXX at their request. All responses from Capital One have led to no resolution. 
There is still an outstanding {$80.00} over-charge by CapitalOne, as evidenced by the attached downloaded CapitalOne transactions via the CapitalOne website, downloaded XXXX/XXXX/XXXX. However, I checked her account balance online today - XXXX CapitalOne shows the current balance of zero. The downloaded transactions show a clear {$80.00} credit owed to my Mother 's trust account. The company has not provided a charge to resolve the double credit regardless of multiple attempts at communication. The balance reported by CapitalOne does not agree with the downloaded transactions.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

XX/XX/year> I sent certify letters off to XXXX XXXX and Experian requesting the removal of inaccurate accounts on my credit report that are affecting me. I did include my two forms of identification. Accounts I disputed still remain on my credit report many that do not even say " currently in dispute '', accounts showing as an open collection, companies I have not heard of or recall having an account with such as XXXX. I asked them to validate an account called XXXX XXXX on my credit report and also all of these accounts I am mentioning have missing information, the payment history is not matching with the date accounts were open, there are just so many invalid entries that I can not understand or read my credit report properly so I am requesting that if the CFPB can not either, then to please request that the companies remove these. 

Today is XX/XX/year> I have not gotten any response from any of the listed companies. I was told that if they fail to respond I could escalate it to the CFPB and demand they remove the information since it has been past the 30 days for investigating. I heard this is the law. 

Please help me to remove this damaging information.
Consumer complaint received 2018-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (AZ)

I purchased a XXXX XXXX XXXX  with over XXXX miles on it, in XX/XX/XXXX for {$8000.00} from XXXX. The vehicle was repossesed in XX/XX/XXXX. It is being reported by collection agency as account opened in XX/XX/XXXX with a $ XXXX account balance. I have been disputing the correctness of this reporting with XXXX and XXXX with no luck. I am being denied credit because of this. I just want it removed from all credit agencies.
Consumer complaint received 2017-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX On the dates above it says that my accounts were closed. I have only ever signed up for that card 1 time but according to my credit report I have had 3 separate accounts with them. My card was also closed without my knowledge.
Consumer complaint received 2017-12-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (IA)

Due to my recent divorce, I wanted to refinance the house in which I lived in my name only. The mortgage was originally taken out at XXXX XXXX XXXX, XXXX, Iowa and they sold the original mortgage to Loancare , LLC. It is against Loancare , LLC I am filing my complaint. 

I went to XXXX XXXX XXXX XXXX and applied for a new mortgage in my name only. The lending department at XXXX was instrumental in reworking a new mortgage and they proceeded to seek a payoff from Loancare , LLC starting on XXXX/XXXX/XXXX. A payoff due Loancare LLC of {$200000.00} was received by XXXX onXX/XX/XXXX. ( Reference the attached notes from XXXX, the loan officer, to see the efforts made to receive this initial payoff ). On XXXX/XXXX/XXXX a second, and new payoff in the amount of {$190000.00} was received by XXXX. This payoff used the wrong good through date of XXXX/XXXX/XXXX instead of XXXX/XXXX/XXXX as the payoff ; in addition, the total loan amount due was both printed wrong and added wrong! 

XXXX assumed, for reasons in XXXX notes, the second payoff was correct and they wire-transferred {$190000.00} to Loancare LLC on XXXX/XXXX/XXXX when it came out of rescission. A third payoff letter then arrived at XXXX on XXXX/XXXX/XXXX in the amount of {$200000.00} stating the payoff was made after XXXX XXXX, XXXX so another month of interest ( {$770.00} ) was added. 

At this point, I made four phone calls over several days including a conference call at and with XXXX loan officers. Typically, I was put on hold for long periods ; told there was no one in management available ; or the phone simply went unanswered during regular business hours. I then went to XXXX wondering what to do next. The loan department went to XXXX XXXX XXXX XXXX, Chief Operating Officer at XXXX for help. He made several attempts to reach Loancare LLC and on one attempt was on hold for fifty minutes. 

Now, as of XXXX Loancare LLC has issued a fourth payoff in the amount of {$200.00}, XXXX stating yet more charges were added to the loan. This is beyond reason! Through this entire process, XXXX made more than ten phone calls to Loancare LLC and I made at least four. All the attached evidence clearly shows Loancare LLC made the errors that created this mess. What is most frustrating is their admission they were in error but still unwilling to remove the extra month of interest and putting the amount owed back to {$200000.00} ; if not actually XXXX which they said was due and which XXXX wired to Loancare LLC as requested on the Loancare LLC wire.
Consumer complaint received 2017-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (FL)

THE COMPANY NATIONAL CREDIT SYSTEMS HAS REPORTED A FALSE DEBT COLLECTION FOR A COMPANY CALLED XXXX XXXX XXXX, APARTMENT RENTAL COMMUNITY. THE LEASE CONTRACT THEY HAVE HAS A DIFFERENT DATE OF BIRTH AND MINE ON THE LEASE AGREEMENT, DESPITE 2 CERTIFIED LETTERS SENT TO NATIONAL CREDIT SYSTEMS, THEY HAVE REFUSED TO REPLY OR DELETE THE FALSE ACCOUNT. FEDERAL LAW PROHIBITS INACCURATE REPORTING WITH WRONG INFORMATION TO BE REPORTED TO ANY CREDIT BUREAUS. NATIONAL CREDIT SYSTEMS HAS ABUSED AND HAS IGNORED ALL MY ATTEMPTS TO RESPONCE OR DELETE THIS COLLECTION THAT DOES NOT BELONG TO ME.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. ()

I have unauthorized inquiries on my credit report, I've called multiple times and submitted multiple disputes via certified mail. I'm tired of calling them so this is my final attempt before i decide to take them to litigation. 
please have them remove the inquiries listed in the FTC report here they are listed again : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IN)

The following hard inquires on my credit report { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act section XXXX ( 15 U.S.C 1681i ) Unverified inquires must be removed. i have no knowledge of these inquires that are reporting to my credit report.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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 an account without my written instructions.
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

Equifax has several disputes concerning my issues. I filed Chapter XXXX but I won a XXXX lawsuit and i the did a voluntary dismissal. Equifax has been informed. They also continue to show XXXX mortgages as wage earner plan when XXXX were paid off in closing with wiring instruction. They continue to damage me amd my credit by reporting inaccurate information.
Consumer complaint received 2024-08-03
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-12-16
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: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX or XXXX, XXXX I received a notification that Chase Bank made an inquiry into my credit files as a result of a credit card application. I immediately called Chase bank to ask about this inquiry into my credit files and I informed them that it was not me. Someone had obtained my personal information and used it to apply for the Chase Bank credit card. I was told that no credit card was issued, the application was marked as fraud and deleted. However, the Chase Bank inquiry is still on my credit report with XXXX. 
On XXXX XXXX, XXXX I sent a letter to Chase Bank requesting them to close any credit card accounts opened and I included a note to delete the inquiry from my credit report with the Credit Bureaus ( XXXX ). Also, the letter requested Chase to respond to my requests. I still have not received any feedback from Chase Bank and the inquiry remains on my credit report with XXXX.
Consumer complaint received 2017-12-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (GA)

In the first week of XX/XX/XXXX sent a certified letter to XXXX XXXX requesting verification and validation on debt and ownership with my signature. The company did n't provide any proof and did n't add a dispute remark on credit bureau until 60 days later and put it on 2 bureaus, XXXX had no dispute marks on it. I resent a letter received by XXXX XXXX on XX/XX/XXXX. I again waited for validation and verification and received neither, also XXXX XXXX still violated FCRA by not marking my report as disputed. 

XXXX has not provided any validation or verification that has been requested for over 5 months prior. 
Please help me get this resolved.
Consumer complaint received 2017-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (VA)

Hello : On XX/X/2017, I disputed INCORRECT ( address ) information on my INNOVIS credit report. I specifically, I provided tangible and legal documents with detailed information and proof ( both personal information & information as PROVIDED and REPORTED by the creditor ). I specifically, addressed/highlighted the incorrect information which had to be correct. My residence is a single family HOME and they report an apartment, which is completely inaccurate and non existent. On XXXX/XXXX/XXXX, I received information that the dispute was completed ; however, the address is still appears incorrect. I am aware under Federal guidelines that ( 1 ) either the information is corrected and/or ( 2 ) info be deleted in unverifiable. I am seeking source information, as still the info is not valid, accurate, or even verifiable ... because it does n't exist. Clearly, their is a disconnect with the Innovis as the repository was not only provided the correct, legal proof, regarding my inquiry ; but, also was provided the exact proof as indicated, provided and reported by/from the creditor. Your assistance is greatly appreciated to rectify the issue ASAP, as it is incorrect and further damaging.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX Last reported XX/XX/year> {$2600.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/year> ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I made a payment of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, that posted to my account on XX/XX/year>. These payments have paid my accounts off in full for less than the full amount in a settlement and XXXX, XXXX XXXX XXXX and XXXX XXXX was paid in full. XXXX XXXX XXXX cards, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX were completed in a settlement with the payments Ive made they are still refusing to correct the payment status to paid in full for less than the full amount after I disputed the information with Experian, XXXX and XXXX. They are still reporting the incorrect balance information. The balance for XXXX, XXXX XXXX, XXXX XXXX are paid in full and XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX cards should be a XXXX balance paid for less than the full amount in a settlement every credit card on my credit report should reflect XXXX balance.
Consumer complaint received 2017-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

My XXXX XXXX Account ending in XXXX, with XXXX XXXX has went into default and was charged off, but still remained with XXXX, I had lost my job and could n't pay, so when i found employment, I contacted XXXX because I had several accounts that I had defaulted on. The other accounts were sent to an outside agency, but XXXX XXXX and XXXX XXXX XXXX XXXX still remained with XXXX. When I contacted XXXX because I wanted to set up payment arrangements to bring the account positive. I was put in contact with my account manager, XXXX at XXXX XXXX XXXX. She offered me options to pay less to settle. I refused the offered, and chose to pay the full amount owe, in monthly payments because I wanted a more positive effect on my credit report. As I explained to XXXX, I wanted the account removed once it 's paid in full, and did not want to it remain on my credit report as a " paid charge off '' because its still hurting my score. That the reason I decided to pay in full and not settle, XXXX explained to me that once the account is paid that i can contact their credit reporting department to have it removed. I tried contacting them, but with no response. I opened a case with all three credit reporting agencies and only experian  has responded. They only updated my report with a payment status of " paid collections '' which to me is not helping me, because it still show my delinquent history. The amount that was owed on this account was {$280.00}. I paid it off in 4 monthly installments. I paid {$80.00} on XX/XX/XXXX, {$80.00} on XX/XX/XXXX, {$80.00} on XX/XX/XXXX and the last payment of {$43.00} on XX/XX/XXXX I submitted another complaint and the results was the same, " paid collections '' I 'm trying so hard to improve my credit. I had 7 accounts with XXXX  and all went into collections with i lost my job. the other 5 was sent to XXXX, which I am currently making payment arrangements with them to pay all off in full. i refused the settlement offer too. XXXX is not reporting on my report, because they said as long I do n't break my payment arrangement they will not report. I have bank statements to show where I have paid XXXX XXXX in FULL, XXXX XXXX XXXX will be paid off in FULL on XX/XX/XXXX. the other accounts with XXXX, all those all due to be paid off on XX/XX/XXXX. I 'm writing to you all to look into an investigation and get the XXXX XXXX account off my report, as I was told would happen, once I PAID IN FULL, which I have fulfilled my part of the arrangement. If there are any questions, please feel free to contact me at XXXX
Consumer complaint received 2024-11-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (CA)

My US Bank Credit Card APR interest went from 25.49 % to 31.79 % after being a few days late with my monthly payment. I paid the payment during the month it was due. I am now being penalized 6 months until XX/XX/XXXX [ beginning XX/XX/XXXX ] at 31.79 % because of XXXX late payment that was only a few days late. I called US Bank on XX/XX/XXXX after reviewing my statement to learn of the increase in the APR to discuss the matter, and that is where I learned that I am being penalized for 6 months for one late payment. On a side note, since the interest rates in the United States have dropped, all my other credit cards have lowered my APR. I believe penalizing me for XXXX  months is inappropriate. Another note : my current balance is only a bit over $ XXXX, and I have already paid {$2400.00} in interest YTD.