davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: LEXISNEXIS (IN)

I recently divorced and was rescored for my insurance rating and due to information provided to them by a company called LexisNexis that interprets my credit information for the insurance company my rates were raised. Their report to the insurance agency said that I have Accounts with Delinquency, Length of Time Accounts Established, Number of Revolving Accounts and that the length of Time Since Accounts Not paid as Agreed. My response to LexisNexis was1 ) I have had only XXXX 30 day late in the last XXXX years. 
2 ) I 've had credit for XXXX years and the " youngest '' active or cancelled account I have is XXXX and the oldest is at least XXXX years old. 
3 ) I only have XXXX revolving accounts, XXXX are store cards that are rarely used, XXXX card for work and XXXX that were personal. All accounts have credit limits over {$5000.00} that never go above XXXX and are paid off monthly4 ) It 's been XXXX years since my only late payment ( XXXX days on a XXXX XXXX Revolving Store Card ). Is that not long enough since my last delinquency? The mortgage company did n't hold it against me. 
The biggest problem with this issue is that LexisNexis interprets data for the insurance company that then provides me with a rating and insurance premium based only on the " issues '' reported by LexisNexis. The rep I talked to today at LexisNexis said that my " issues '' make me a high risk for a claim. Since I 've divorced recently I also had to get a mortgage. The mortgage was obtained with no problem since I have an excellent credit rating and history plus a XXXX middle score. How can my credit make me a high risk for insurance claims but a fantastic risk for a mortgage. Does LexisNexis earn extra or benefit in some way for reporting me in such a negative light? After a lengthy conversation with the insurance company it seems that the only problem with my insurance rating is the report provided by LexisNexis. The insurance company has confirmed that my claim history is good ( no claims in over XXXX or more years ) and I 've been continuously insured for over XXXX years. The score with my ex-husband was a XXXX even with my better credit history and his at-fault accident. Please help me to resolve this issue and get the rating I have earned. Thank you.
Consumer complaint received 2018-01-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (FL)

In late XXXX, I noticed that my XXXX balance was negative {$570.00}. I contacted XXXX to advise that all payments/monies that I sent was from my XXXX credit and NEVER from a checking account. My XXXX credit is in good standing but she stated that there were two charges from checks written for {$570.00}. I thought that the issue was resolved until I received a letter from American Coradius International in the mail stating I owe {$570.00} I did not send these two payments and do not have any idea who did. Perhaps I was hacked but I do not want to speculate. I did reach out to the individual who the monies were " sent ' to and that individual advised that the funds were not received but that the XXXX " XXXX XXXX '' attached to their account was missing. I believe that person may have completed a police report also but am not certain.
Consumer complaint received 2015-09-21
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (FL)

I received XXXX different letters from a company called Debt Recovery Solutions LLC ( XXXX ) with a name of the recovery specialist XXXX XXXX and each letter states that I owe {$100.00}. I thought was the same letter but repeat, when I called to pay the rude people that answered the phone never gives the specifici information and they only say that I have XXXX differn accounts that I owe for XXXX hospital when my debt with the hospital was only aprox. {$100.00} ( and I have trhe proof ). The person mention in the letter does not exist, that is what the last person that took my call said. The {$300.00} they are tring to collect is not true and this company nevers wants to be specific when I called and ask for the account.
Consumer complaint received 2016-03-10
Product: Credit card — 
Issue: Delinquent account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My name is XXXX XXXX and I obtained capital one credit last year with a {$250.00} deposit and used the card while I was working out of town all last year I set online accounts to make payments in which case did not always go through and i was forced get on phone with a capital one superviser and my bank to verify that had made a payment. i have since lost my job and made that clear to capital one i used a friends home phone number to set up the account as i was working out of town now that i am unemployed capital one is calling everyday to pressure me to make a payment when this phone number is not my number XXXX XXXX has asked them to stop calling her phone number and given them my correct number but yet they still keep calling everyday
Consumer complaint received 2015-03-29
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Fidelity National Financial, Inc (FL)

On XX/XX/XXXX I, XXXX XXXX XXXX, closed on a mortgage with XXXX XXXX ( formally known as XXXX ). Prior to closing, I purchased a title insurance policy with XXXX XXXX XXXX XXXX for a {$730.00} premium to insure me against any title defects ; moreover to assure me, the buyer, that I have purchased a valid title, up to {$130000.00} ; which was the original cost of my home ( SEE LINE XXXX of the HUD SETTLEMENT STATEMENT I SIGNED AT CLOSING ON XX/XX/XXXX ). The XXXX employer, who supplied the closing documents, confirm with me during the signing process at closing that I did in fact purchased a title insurance policy that will be mailed out to me by XXXX XXXX XXXX within XXXX business after closing. 
It has come to my attention via the Independent Foreclosure Review that I may have been sold a home by XXXX who really did not have the right to sell me this home. It is my understanding that a title search is a means of determining that the person who is selling the property really has the right to sell it, and that the buyer is getting all the rights to the property ( title ) that he or she is paying for. In those transactions where title insurance is involved, the title company must determine insurability of the title as part of the search process. 

Unfortunately, On XX/XX/XXXX, while I was at work, I, XXXX XXXX XXXX, was forced out of my home by which XXXX, XXXX XXXX and its affiliates committed fraud upon the court, coercion, racketeering, conversion, GRAND THEFT, wrongful eviction, trespassing, breaking and entering, etc. with the motive to cover up all loose ends of this mortgage transaction by which they stole my locked file cabinet that housed all of my important files and documentation ; which included my title insurance policy, monthly mortgage statements, deed, birth certificates, etc. Nevertheless, my copy of my closing packet was at my mother 's house, due to the fact that when I closed on my home I went to her house and left that packet with her. As a result, my mother put it up for safe keeping, by which XXXX was unsuccessful in disposing of corroborating evidence of a mortgage that should have never happened in the manner by which it did. 

To ensure XXXX XXXX XXXX did not facility mortgage fraud via racketeering, illegal kickbacks, etc., I request the CFPB to see that XXXX XXXX XXXX to provide me with a copy of my Title Insurance Policy, along with a copy of the chain of title performed by XXXX XXXX XXXX which allowed me and XXXX to legally enter into a binging mortgage contract to permit us to successfully close on this mortgage on XX/XX/XXXX.
Consumer complaint received 2024-08-29
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: EQUIFAX, INC. (NC)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2015-11-25
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: High Point Asset Inc (WI)

High Point Asset called my employer and told them they are trying to contact me to collect a debit. My employer took the phone number for me to call them back ... this was very embarrassing. the number is XXXX. I called them back and they tell me the are collecting a debit for XXXX XXXX from a loan 4 years ago, this is the first I have heard of this company and do not remember taking a payday loan from this company. Why would a company wait 4 years to try and collect a debit if it was a legitimate debit. I believe this is a scam.I had my identity stolen last year and a false tax return was filed in my name. They sent me an email after I asked for proof of the loan but it does not prove anything, does not even include the original creditors address or phone number.
Consumer complaint received 2017-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MA)

I received a letter dated XX/XX/XXXX from my previous mortgage servicer, XXXX XXXX XXXX XXXX, stating that the servicing of my loan was being transferred to Shellpoint Mortgage Servicing effective with my XX/XX/XXXX payment. The letter stated that Shellpoint " will be responsible for such things as paying your property taxes. '' I never received a welcome email, phone call, or letter from Shellpoint. On XX/XX/XXXX, I called Shellpoint inquiring about how to pay my mortgage payment due XX/XX/XXXX. I was told that my mortgage was just entered into Shellpoint 's system that day ( even though I was notified about the mortgage being transferred to Shellpoint a month earlier ) and all the information about my mortgage was not yet available in the system. I called Shellpoint a week later, on XX/XX/XXXX, to confirm that Shellpoint was paying or had paid my quarterly property tax, due XX/XX/XXXX. I was told that they were not paying the property tax, and I had to email them a copy of my property tax bill, which I did on XX/XX/XXXX. I received confirmation of receipt of my email and property tax bill on XX/XX/XXXX ; the email stated " Your documents have been received and forwarded for processing. '' I called Shellpoint again on XX/XX/XXXX to confirm that my property tax bill was being paid, as it was now a week overdue. I was told the tax bill was with a 3rd party to be paid and any late payment penalties would be charged to that 3rd party. The customer service representative could not give me a timeframe as to when the property tax bill would be paid, and advised me to keep calling back to check on it. I called Shellpoint yet again, a week later, on XX/XX/XXXX, and was told the same thing - that the tax bill was with a 3rd party to be paid, they could not give me a timeframe as to when the property tax bill would be paid, and advised me to keep calling back to check on it. This is absolutely unacceptable and certainly not how I run my household, nor would I run a business like this. If a bill is overdue, it should be paid ASAP. My property tax bill is now 15 days overdue, and I am requesting that it be paid by Shellpoint, using the funds in my escrow account, ASAP. I am very unimpressed with Shellpoint Mortgage Servicing.
Consumer complaint received 2017-11-16
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: Experian Information Solutions Inc. (GA)

I did not authorize the following inquiries that are listed on my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-11-20
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: DISCOVER BANK (MA)

These are the Inquiries that I don't have permission and knowledge of. 

XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX, Not Elsewhere Classified XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/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 DISCOVER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA 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
Consumer complaint received 2016-03-29
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

On XXXX XXXX, XXXX I paid off all my revolving debt through a HELOC loan with my bank, XXXX of Colorado. XXXX sent letters along with the payoff funds to each company asking for " any documents of title, properly endorsed and released and any security agreements to be released or terminated and any note or credit agreement marked paid or cancelled '', this clearly means to close the account upon receipt of these funds. Kohl 's did not close my account per the request unbeknownst to me. As I had just had my credit report pulled for my loan I could not check it again, post loan, to see if anyone was still reporting on my credit without hurting my credit score. Last night, XXXX XXXX, XXXX Kohl 's sent me a new credit card in the mail that I did not apply for, so I knew my account had not been closed as the letter in XX/XX/XXXX had instructed them to do. I called them today, XXXX XXXX, XXXX to ask for account closure and a credit correction to the XXXX credit bureaus as they have been reporting on my credit report in error for the last 7 months and affecting my credit score. They have refused to help me and have taken the position that the letter did not ask them to close the account and the bank can not request a closure on my behalf, I have to request it. I explained to them that is why the letter has my signature on it, this shows that this was my request. They refuse to correct my credit report. I should not be penalized and have my credit score affected, as I am trying very hard to improve my score and be very smart about my credit worthiness simply because they can not decipher a letter of this nature requesting closure of an account. Having this revolving credit as a trade line on my report is hurting my score and has for the last 7 months, while I thought my score was improving and this should have been removed in XX/XX/XXXX.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My XXXX XXXX credit card was paid in full XX/XX/XXXX and account closed XX/XX/XXXX ( see attached ). However Transunion is reporting status the account 30 days past due and showing delinquent on XX/XX/XXXX. XXXX and XXXX show account paid and account closed and NOT delinquent ( see attached ). However XXXX is showing reporting on until XX/XX/XXXX when account was closed XX/XX/XXXX.
Consumer complaint received 2016-12-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Southwest Credit Systems, L.P. (CT)

I contacted this agency in regards to this claim. I was told by a representative that this account was listed in error. The information on this account is not even my social security number so therefore was a data entry error on this agency 's side. I explained that this internal error was affecting my credit score. I spoke to a supervisor and was told that they are unable to fix this issue and I must dispute this directly with the credit bureau. I feel that this is unprofessional and that it is their responsibility to fix this error since they created it.
Consumer complaint received 2016-09-16
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Was in XXXX in a tour that turned out to be pressure sales tactic. 
The guide in the middle of our drive, say that if we do n't buy anything, she 'll will charge us {$600.00}. This was not an option as we were under their supervision in a van where we did n't know where we were. I figured since we were held hostage, the only way to get out was to pay her using a credit card, then afterward called the CC company to not authorize the charges, XXXX for {$590.00} and XXXX for {$3000.00}. So when I contacted CapitalOne and told them that I did n't authorize the charges they put my request in the their Fraud Department, who basically said that since I signed the transactions I have to pay. When I tried to tell them I was under duress, that I could n't do much in that situation, they refused to listen. So they basically pushed the transactions back to me.
Consumer complaint received 2017-11-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NC)

In XX/XX/XXXX I began dealing with a man claiming to be a vendor for equipment for my business. I was told that in order to purchase the equipment I needed to set up a merchant services account. On XX/XX/XXXX plans were made for me to pick up the equipment 700 miles from home. At that point I gave my banking information in order to set up this account. Upon arrival to pick up the equipment I discovered it did not exist. I called my bank to ask them to put a block on my account because I was afraid this man would try to draft my account for equipment I did not purchase. After driving the 700 miles back home I checked my account just for my peace of mind and discovered that he HAD. My bank account was in the negative. It was late in the evening so I went online and chose the online chat option for dispute. I was assured that a dispute was put in place. The next morning I went into my bank to make sure the dispute was filed. I was told that it had been more than 24 hours since the draft had taken place so they would not file a dispute. It had actually been within the 24 hour period but they told me that at XXXX XXXX they consider your 24 hours over. I was promised that my case would be sent to escalations. It has been weeks. I 've spent hours on the phone, emails back and forth with the escalations departments getting the same answers over and over. A police report was filed 2 weeks ago and the report number sent to the escalations department at the request of the last woman I spoke with. The police called and asked me to file a FBI report as well, based on the complexity of the fraud. All of this has been reported to my bank. They still refuse to refund my money and have added overdraft fees continually throughout this process. They are also charging a daily fee for my account being in the negative. The branch manager has removed some of the fees but not all : just what she was allowed in her position. 

The merchant services company that I was told I was working through was named XXXX XXXX. The charges have been made by a company called XXXX XXXX. I have also called this company repeatedly to no avail. I am told a case is set up and being investigated and will receive an email 5 minutes later stating that my case has been closed. In the police report it is stated it is stated that this is the most sophisticated case of fraud within the company that the investigator has seen. This is why I was encouraged to file a FBI complaint. As it turns out the " vendor '' for my equipment is an agent for XXXX XXXX.
Consumer complaint received 2016-10-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Universal Fidelity LP (CA)

The online seller company charged every cost of the order I placed before company shipped their products. No one online seller will ship out their product to buyer if they has not charge the full payment from buyer, either the payment method is paper check or credit card. In my case, this company always charged the payment from my credit card account. I can show all the payments I have paid and orders that I have placed.
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One closed XXXX of my credit card accounts which were all in good standing/ XXXX with XXXX balances. After condescendingly shuffling me from XXXX rep to next, they firmly stated there was nothing they could do and the card was closed for spending inconsistent to what 's expected. Seriously? I charged a XXXX item. They yanked XXXX in credit, which consequently destroyed my credit score by shattering my utilization! My score dropped nearly XXXX points. I was in the middle of applying for a refi on my house. Done. No one will even consider extending credit to me now thanks to this injustice! I asked them nicely if they could lower my interest rate since they destroyed any chances I will have at obtaining a consolidation loan. They denied this to me. I never once made a late payment to Capital One. They have destroyed my financial future by this unjustified action of which they treat me like a criminal over the phone. I am absolutely distraught over this. I recently changed careers due to health issues and this is further complicating my life!
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (NC)

See attached documents, I'm so stressed and disappointed that you are reporting me late when it never happened. I want you to update my credit report as soon as possible to current and paid as agreed without late payments remark.