davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX - took out home equity loan to pay off credit cards. We did this because my wife lost her job in pandemic and we wanted to pay lower interest for the foreseeable future. 

XXXX - XX/XX/XXXX - checks sent out by credit union to credit card companies, including Capital One. The amount for Capital One was {$5200.00} which was the statement balance as of XX/XX/XXXX. The official credit card statement and check was sent from my credit union directly to Capital One. This statement is the same one we would send our payment in with monthly. 

XX/XX/XXXX - My credit Union called me to say that the check was returned to my credit union because Capital One said they needed the entire 16 digit number of the credit card. I am not sure why all of a sudden this was needed since it was never needed any other time, they had their own billing statement with all information, and no other credit card company requested this. 

XX/XX/XXXX - new check was sent to Capital One from my credit union with 16 digit number XXXX - we made 3 minimal charges on card due to my debit card having fraud. total charges were {$140.00} XXXX - we made {$48.00} payment XX/XX/XXXX - we made another payment for {$100.00}. these 2 payments for {$150.00} covered the {$140.00} worth of transactions XX/XX/XXXX - contacted Capital One and I was told they never received new check. I called my credit union who had verification when the check was sent and they had no idea why the card company did not get it. They reissued another check immediately while stopping the second check. 

XX/XX/XXXX - we were charged {$100.00} interest XX/XX/XXXX - " missing '' check from XX/XX/XXXX was credited to our account XX/XX/XXXX - third check was credited to our account XX/XX/XXXX - " missing check '' was returned to credit union XX/XX/XXXX - we made final payment of {$140.00} to bring account to XXXX We paid about {$150.00} in interest fees when we made every attempt to pay off the account before interest was charged. Several calls to the Capital One proved worthless. Even though it is nowhere in writing or anywhere in their explanations, they all of a sudden said that they wanted the full 16 digit account number to allow payoff. Every other payment can be accepted with the last 4 digits and the statement. They had payment in plenty of time to avoid interest charges but refused it. It might not be much money but without my wife 's income, this money is a big loss. I spoke and explained every thing to them but they refused to budge on any of this. This credit card was 0 % interest until the month we paid it off. This was the first interest we had to pay.
Consumer complaint received 2020-05-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have been in dispute with 3 energy companies regarding their bad faith practices. I was constantly in dispute requesting more information. They decided to just send it to a collection agency in lieu of providing me with information I requested. These accounts never should have been sent to collections in the first place. All three companies have agreed to cancel the collection and return it to dispute with them. All three collections should already be removed from my bureau. I went online to check with Experian. All three collections are still on my bureau AND they have decreased my score TODAY XX/XX/XXXX by 5 points WHEN NOTHING HAD CHANGED. The only thing that has happened is I filed a complaint with your company about not being able to get in touch with them AND I emailed the CEO XXXX XXXX asking for his help. THEY DECREASED MY SCORE BY 5 points in retaliation! There is no other explanation!
Consumer complaint received 2020-05-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I could not get anyone to help me on the phone. I held for one hour and then I was disconnected 7 times!! 

Then I go online to try to dispute and it keeps referring me to the wrong dispute!!! I am requesting a phone call from Experian so I can fix this! I am trying to refinance my home! It does not have to be this hard! Please call me at XXXX. If I do not answer, please leave a name and direct line so I can call them back.
Consumer complaint received 2020-06-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (IN)

At the end of my lease, I received an invoice for over {$1000.00} approximately 6 days before the " due date '' shown on the document charging me excess wear. The car was in pristine condition. No support detailing the purported " excess wear '' was provided. I asked for additional information and after four attempts a service rep directed me to a third party report which included blurry and unintelligible photos of supposed wear with minimal notes. The notes I could read were in direct contradiction to the lease agreement 's definition of excess wear. I tried on several occasions to challenge the assessments and the agents would not even explain to me how to formally appeal the determinations. Just another example of a leasing company trying to take advantage of their customers by submitting invoices with no evidence or description and with almost no lead time before payment is due.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

There are two accounts ( XXXX credit card and XXXX loan ) on my Equifax credit report that popped up around XX/XX/2019. I did not apply for these accounts, these are fraudulent accounts and my bank account was takeover and I had to change all of my bank information. Someone changed all of my login credentials on XXXX website which was a red flag for me. I submitted a police report, FTC report, and an Identity Theft cover letter. Equifax deleted the information from my credit report and then reinserted it without a notification or any documentation from XXXX. This is drastically damaging all of my financials for my freight brokerage and it needs to be resolved as soon as possible.
Consumer complaint received 2023-10-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (TX)

XXXX CALLED ME ON XXXX TO MY PHONE NUMBER XXXX. WHEN I ANSWERED THE CALL AN ADAD CAME ONLINE AND STARTED GIVING ME THEIR MESSAGE AND THEN A LIVE PERSON CAME ONLINE. I TOLD THE CALLER THEY CALLED THE WRONG PARTY. I ASKED ABOUT THE ADAD/ATDS THAT CALLED ME, THAT IS THE COMPUTERIZED VOICE, THE CALLER CONFIRMED IT WAS A COMPUTERIZED VOICE THAT MAKES THE CALLS. WHEN I TOLD HIM I WAS ON THE XXXX XXXX AND THE TEXAS NO CALL LIST. HE SHUT ME DOWN WHEN HE TOLD ME HE COULD NOT GIVE ME ANY OTHER INFORMATION. I DEMAND TO BE PAID {$500.00} FOR EACH VIOLATION OF TBCC SECTION 301 AND 305 AND FOR THE VIOLATIONS OF THE DEBT COLLECTION LAWS. THEIR CALL TO ME WAS AN ATTEMPT TO COLLECT A DEBT. I DISPUTE THIS DEBT AND WANT RESULTS OF THEIR INVESTIGATION SENT TO ME. DO NOT CALL ME ANYMORE.
Consumer complaint received 2023-10-31
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc. (TX)

On about Fri, XX/XX/2023, I call XXXX XXXX ' customer service asking about the alleged account for my automobile. GM Financial claimed I owed them money so I asked for the original contract that I signed with them so that I can tender the account. They didn't not send it. GM Financial sent me the purchase contract that I signed with XXXX XXXX of XXXX. According to XXXX, XXXX received payment for the Agreement ( Debenture ) and also transferred the debenture to GM Financial as the company who purchased that said debenture. XXXX said their transaction was completed with the day of the purchase. Nowhere in my contract names XXXX XXXX XXXX as my creditor nor have I sat down with any agent of GM Financial to create any agreement. If I did it wasn't given full disclosure on XXXX XXXX ' involvement and to my understanding that makes the contract unconscionable. 

On Tues, XX/XX/2023 XXXX XXXX XXXX repossessed my Truck ( Automobile ) using a company named Loss Prevention Services at about XXXX. I first called GM Financial and spoke XXXX agents. XXXX # XXXX which was the XXXX agent I spoke to informed me that the debt was Charged Off. After I put them on notice that they weren't supposed to take my truck according to 15 USC 1692e ( 4 ), she said that GM Financial had a lien on the truck and didn't know what a XXXX XXXX XXXX filing was. I told her that XXXX should have filed that in order to repossess my property. She wasn't sure so she transfer me to her supervisor XXXX # XXXX. I spoke with her and she confirmed that there is no UCC 1 lien and no warrant signed by proper authorities to repossess my Truck. They refused to return my Truck knowing these facts : XXXX. that they are not the owner my truck, nor do they have permission from me, to repossess it 2. There is not a Proper Lien on the car nor a Judge signed warrant for the property 3. Has not provided proof of claim that I owe them or that they gave me a loan 4. Is collecting security interest on a debenture and requiring me to pay them more on a contract I tendered with XXXX and which also they claim was Charged off. 
XXXX. Has broken the law knowing that repossession on a debt is illegal So far the only documents GM Financial has sent was a copy of my contract with XXXX and a letter that wasn't notarized from a responsible party. This has put me in an awkward position and is causing me unjust hardship. I'm a single mother of XXXX and a veteran. Please help me resolve this issue.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

I filed bankruptcy in XX/XX/2019. discharged XX/XX/2019 why is XXXX still on my credit report when l include them in my  bankruptcy.they already mailed my title to vehicle.
Consumer complaint received 2019-12-10
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. (CA)

My lender pulled a copy of my credit report and there are two accounts reporting late payments as of this year and that is impossible because the accounts were paid off completely in XXXX. XXXX  XXXX XXXX XXXX is reporting late as of XX/XX/XXXX yet all the information showing paid and last activity was XX/XX/XXXX ( when the account was truly paid off ) The other account is with XXXX XXXX XXXX XXXX again shows last payment XX/XX/XXXX and max delinquency XX/XX/XXXX. Again this was paid off in XXXX so how can the last Delinquency date be XX/XX/XXXX??????? I am not sure which bureau is reporting this false information since what was received was a merged lenders report but I want this false information fixed. There should be no late payments on either account this year or even last year!. This was disputed several times so why is this reporting wrong?
Consumer complaint received 2019-12-10
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: Experian Information Solutions Inc. (CA)

I was XXXX  for 19 years, and XXXX  on XX/XX/XXXX. I was able to briefly see that someone took a car out in my name, credit cards, etc. then I get a letter from franchise tax board saying I owe {$2000.00} or else from XXXX. I began my XXXX  in XXXX. I tried calling them and credit bureaus with no success. Experion, XXXX, XXXX, etc. all gave me run around and blocked me out. I filled out all the paperwork they required online and then wrote me saying the info was a problem so couldnt send my free report.
Consumer complaint received 2019-12-05
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. (UT)

XXXX XXXX #XXXX is reporting an account to my credit report that is past the Statute of Limitations in Nevada. I no longer legally owe this debt and it should not be on my credit report. I would like this removed immediately.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

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 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2019-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I have a loan with Specialized Loan Services and I have been requesting to get the Private Mortgage Insurance off of my loan for more than 8 months. After about 5 months, they finally had an agent call me for a valuation on my property and my house is unique. I live on a ski lake where every home on my lake is listing and selling for atleast $ 500k. The agent that SLS sent out came up with a valuation of $ XXXX and did not compare my home to any homes that have sold on a ski lake in the area. Now I am disputing the value and have been put through the ringer again. I wrote a letter to dispute the valution that was done and emailed it to them on XX/XX/XXXX. They said they never received it, so I sent it back on XX/XX/21 157 times with confirmation on each email that they received it. YES, 157 times!! The PMI is costing me more than {$240.00} per month and it is just me throwing money away. The managers never call back when they say they are going to call back and I am sick of dealing with this. I own 10 rental properties and 3 of them have loans on them where I had the PMI removed after a certain amount of time, but I have never had to deal with anything like this before.
Consumer complaint received 2019-12-04
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. (WA)

The company closed my card and made it very hard to make payments.. was dealing with fraud issues on a checking account causing a payment to not go through.. Payment was not due and was an extra payment. They closed my account. I called and paid account to 0 balance. They are showing I owe {$2.00} still. They were to mail me a pay for deletion letter and never did. So now I have this on my credit report and can not get it off.
Consumer complaint received 2019-12-04
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. (WA)

The company closed my card and made it very hard to make payments.. was dealing with fraud issues on a checking account causing a payment to not go through.. Payment was not due and was an extra payment. They closed my account. I called and paid account to 0 balance. They are showing I owe {$2.00} still. They were to mail me a pay for deletion letter and never did. So now I have this on my credit report and can not get it off.
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

On XX/XX/2019 I disputed a debt placed by Online information services. XX/XX/2019 Equifax closed the dispute verifying the debt. The debt is not in question. The debt is fromXX/XX/XXXX, XXXX. I haven't lived in XXXX since XXXX, I live in XXXX, so how could I have an electric bill in XXXX? My credit report shows I just incurred this debt ( I already paid it. XXXX) It was a billing error I thought was corrected. It was bought by Online Information services and reported as a NEW debt. This is called "reaging" a debt. It is highly illegal to report old debt as new. Equifax obviously has no regard for Consumer Reporting Protection Act.I have attached my drivers license as proof I live in XXXX and have since XXXX. No way could I have incurred an electric bill in XXXX in XXXX
Consumer complaint received 2019-12-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: First Associates Loan Servicing LLC (VA)

I have tried to reach out to Student Credit Union Connect on this number XXXX, but I am unable to get a response or leave a message. My account with the credit union has been discharged, but the money that I have paid on the original balance has not been reimbursed to me. I don't have any of my receipts, however my original balance totalled more than {$8000.00} and at the time of which the account was closed, I owed a little more than {$6000.00}.
Consumer complaint received 2023-04-16
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: Experian Information Solutions Inc. (NY)

as of XX/XX/XXXX have notice fraud accounts n inquiries on my credit report ACCORDINGLY " FAIR CARES ACT '' LAW THESE FRAUD ACCOUNTS ETC MUST BE PERMANATLY AND INDEFINITLEY! 
list of fraud inquiries that must be removed. 
XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2020-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (MA)

It a XXXX internet that was month to month back in XXXX i move to a different town in XXXX call and cancel the service before i move in XXXX i got a collection of XXXX dollars saying i never cancel call XXXX they don't have any information about it and call the collocation agency and they will not send me any information can't break it down that I owe that much just say that what XXXX says i own
Consumer complaint received 2020-03-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Legal Action Bureau Inc (WI)

Debt collector had been calling multiple times a day since the end of XXXX, beginning of XXXX. I have received zero information in regards to a debt, just that I need to contact them and its urgent. After asking them to stop calling and being ignored I then sent a cease desist letter to stop calls to myself and anyone related to me and my employer. I asked for a statement of a debt, and have received nothing in the mail, only nonstop phone calls that are so frequent its harassment. Multiple calls, every single day. When I called back two people were  talking to each other over me and yelling about how theyre not harassing me and they can keep calling if I owe a debt and wouldnt let me speak. I hung up, and immediately sent a cease and desist letter, with delivery verification and the collector, XXXX XXXX, has since violated that. The next day at XXXX he called again, I said again to stop calling and hung up.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear CFPB, My name is XXXX XXXX and I depend on my credit to survive as a XXXX  XXXX. I had two cases of accounts under collection which were removed from my credit. One was a timeshare that. my ex. had acquired while we were dating and he stopped paying. The company does not want to remove me of the contract. My ex stopped paying the monthly payments and I was unaware. After I was trying to get a credit card to lower my interest rates this collection came on as a real estate collection and my card got denied putting more negative on my credit. I disputed the account and my ex caught up with the payments but the info has not been removed from my report completely. The second thing was a school balance. I wanted to further my education and decided to go to school and was offered a grant. The grant got approved then for some reason the school requested my tax transcripts which I couldnt provide and still to this date I have not been able to get the IRS to process my taxes to get the transcripts and show the school. In the meantime the school required full payment and put the balance under collections. This year has been really hard for me as a result of all this going on. Other than those 2 thing I have not had any late payments, liens, bankruptcy, or anything and my utilization is at 40 %. I also had a lot of inquiries from a time I was leasing a car and the dealer ran my credit like 12 times which I didn't authorized. Because of these thing my credit is the lowest I have ever seen it at XXXX with Transunion and XXXX. If I get a review of my credit I could loose my license which is my livelihood and I certainly can not buy a home because of the unfair score! I need these companies to erase the inquiries from 2018 and I can not do that online as they do not have options for that and I need them to rescore. I don't think my score is fair given my perfect payment history, utilization and clear report.