davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I am writing to file a formal complaint against Experian regarding the handling of a recent dispute I submitted on XX/XX/year>. The dispute was filed electronically at XXXX XXXX  and included the following accounts : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX *XXXX XXXX I received a notification from Experian at XXXX XXXX on the same day, stating that the dispute process was completed. The outcome of the reinvestigation indicated that the items were updated as of XX/XX/year>. However, the rapid completion of this reinvestigationless than 24 hoursraises serious concerns about the thoroughness and accuracy of the process. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Inadequate Reinvestigation Timeframe ( 15 U.S.C. 1681i ( a ) ( 1 ) ) : The FCRA requires that credit reporting agencies conduct a reasonable reinvestigation of disputed information within 30 days. The completion of this process in less than 24 hours suggests a failure to perform a reasonable reinvestigation. 

Failure to Provide Method of Reinvestigation ( 15 U.S.C. 1681i ( a ) ( 7 ) ) : In my dispute, I specifically requested the method of reinvestigation used. As Experian has not provided this information, they are in violation of this requirement. 

Accuracy Requirement ( 15 U.S.C. 1681e ( b ) ) : The FCRA mandates that credit reporting agencies must maintain procedures to ensure the accuracy of the information they report. The expedited handling of my dispute raises questions about whether Experian adhered to this requirement. 

Request for Action : Method of Reinvestigation : I request that the CFPB compel Experian to provide a detailed description of the method used to reinvestigate the disputed accounts. This includes : A detailed reinvestigation report. 
Records showing how the accounts were verified. 
Notes or logs from the reinvestigation process. 
Information about the sources consulted for verification. 
Documentation showing compliance with the FCRA. 
Violation Acknowledgment : Please acknowledge the violations of the FCRA outlined above and take appropriate action to ensure Experian complies with its obligations.
Consumer complaint received 2017-07-11
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (CA)

After filing complaints with all 3 credit bureaus even the original company this has yet to be resolved. Ad Astra is very aware that they received full payment of both accounts and continue to harass me with phone calls along with threats. They along with XXXX XXXX have received the bank statement months ago and refuse to make knowledge of such. Ad Astra provided me a tracking number via usps of XXXX that was to include all legal documents pertaining to this. However, that tracking number shows a In transit update dated XXXX XXXX, 2017 from XXXX XXXX. I do not have any proof of this being legally collected on another company 's behalf. They also are in violation of the FTC by not providing correct and accurate information to the credit agencies.
Consumer complaint received 2017-07-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

For over four years plus, Chase Home Finance has been inundating me with XXXX mailers that offer attractive, no-cost refinancing terms for my first mortgage. In XXXX 2013, I applied. Our family 's credit is perfect. It took months and tons of documentation but Chase would n't refinance based on its inability or unwillingness to verify my fully-disclosed second mortgage with another institution. I sent billing statements repeatedly and some closing documents to the loan processor. Still, no go. I abandoned the effort. <P/>Why is Chase allowed to mail me repeated offerings when it has no intention of closing a refinancing with me? Two, rates have climbed so the attractiveness of the offering has diminished.
Consumer complaint received 2017-07-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

My first issue was the fact that my HELOC closed on X/XX/2017. The funds of {$59000.00} began to accrue interest daily as of that date. Those funds were used to pay off my car at another bank. The funds were n't received by the other bank until about XX/XX/XXXX. I feel cheated that Chase collected daily interest on my LOC for over a week, while I was also accruing interest on my other auto loan that was supposed to be paid off. It would have been faster if they gave me access to the LOC for me to pay down the old auto loan myself, but the loan rep at Chase told me it was required for them to pay the old loan off directly. This was not made clear to me and I feel like it is a way to cheat consumers on that additional interest accrual. My second issue is the bigger issue that made me file this complaint. After the first issue even happen, I decided to pay off my Chase HELOC in full. I did in fact do so according to the " current balance '' and " principal balance '' as posted on my online account. I was limited to $ XXXX per day until the balance was paid in full. After I paid the account in full, I saw that the HELOC was still accruing daily interest. This prompted me to call Chase to see what was going on with my account. A representative told me that my principal payments were not posted to my account and were sitting in limbo, which is why interest was still accruing on the original principal balance. Well, if my principal payments were never posted to my account, then the interest was calculated incorrectly and my payoff balance was also incorrect. When I checked my HELOC online the following day, I see that my principal balance is now magically {$0.00}. I do n't see how/why everything netted to {$0.00} if interest was not calculated properly to begin with. A representative assured me that my account would be corrected and she would follow up with me directly within the next few days. My concern is n't only for myself ( which my issue looks like it will get fixed, plus I will follow up ) but what about the others with a Chase HELOC? ... or any type of Chase loan? I 'm an XXXX so I made my own amortization schedule to follow. Not a lot of people do that on their own. Chase consumers are likely paying whatever balance they show as due on their account. My trust in Chase is damaged to see that my issue was only corrected because I called about it. What about the other consumers?? Is Chase making money off of incorrect amortization schedules???
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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. Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks T XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX And might I addThere are quite bit of different names and addresses on my credit report that I I do not recognize and never used. Here are all the names XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX And there are several phone numbers that are not my number. So I asked that it be removed. There is employment data reported from a XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Please remove these items account names and phone number from my credit report.
Consumer complaint received 2017-07-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I submitted a dispute with Experian because all attempts failed with XXXX XXXX XXXX to provide validation of the account. XXXX XXXX XXXX sent a letter saying that they will not validate the account. I forwarded the letter to Experian and they still refuse to remove the item from my Credit report. this is in clear violation of the FCRA since XXXX XXXX XXXX to this data has not validated the debt.
Consumer complaint received 2017-07-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (CA)

TITLE MAX ( Company complaint is against ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Office # XXXX XXXX : TITLE LOAN ACCT. # XXXX To whom it may concern : My name is XXXX XXXX and I currently have an account that is in default with Title Max. They wish to settle the matter by payment of principal {$2500.00} plus compunded interest, which will be issued towards closing the account, and all further matters that relate to monies owed, whether principal or interest, and interest of ownership in the title and motor vehicle used to secure the loan. I understand that they are attempting to claim mostly principal with some interest, and maybe even some filing fees and document preparation. However, I recently spent time in XXXX XXXX and noticed that all their interest rates where no more than 7 % for the same motor vehicle title loans. I looked into the California Loan Usury laws, which brings the 14 % interest into question that my agreement with Title Max has set for an interest rate. I was unaware of the Law as the agreement only detailed a following : California Finance Lenders Law Div. 9 sec.2, and sec. 5 of the Federal Arbitration Act. Under California interest rate laws and Usury laws set the Legal Maximum Rate of Interest Loan/forbearance of any money, goods, or things in action, or accounts after demand-7 % or contract rate ( Cal.Const. XV 1 ) contract rate shall not exceed 12 % ( Cal.Civil Code 1916-1 ). Penalty for Usury ( Unlawful Interest Rate ) Contract or agreement for greater than 12 % shall be null and void as to any agreement to pay interest ( Civil Code 1916-2 ) ; debtor may recover treble amount paid ; willful violation-guilty of loan-sharking, a felony and punishable by imprisonment in state prison for not more than 5 yrs. or county jail for not more than 1 yr. ( Cal.Civil Code 1916-3 ). Interest Rates on Judgments set by legislature at not over 10 % rate ; in absence of setting of such rate, rate of interest is 7 % ( Const. Art. XV 1 ). I believe that this loan agreement should be viod due to the unlawful amounts set within the agreement, that violate Claifornia Interest Rate Laws and California Usury Laws. These type loan have been ruled in Nevada Courts as null & void, with Title Max being ordered to repay the borrowers. I feel this is a simular situation that need to be looked into and addressed. <P/>Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX email : XXXXXXXXXXXX Phine : (  XXXX ) XXXX
Consumer complaint received 2017-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (HI)

I was living at an apartment complex and had to leave early and break the lease. I worked it out with the company that they would keep my deposit and I cleaned the apartment so it was spotless. Years later they sold the debt to a collection company and they have been attempting to collect XXXX XXXX from me.
Consumer complaint received 2017-07-11
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: McCalla Raymer Leibert Pierce, LLC (GA)

McCalla Raymer Liebert Pierce, LLC has engage in unlawful conduct in attempting to collect a consumers debt. prohibited by the FDCPA.
The law firm who is subject to the FDCPA has refused to discontinue its illegal debt collection activities.
A lawsuit has been filed against McCalla Raymer Liebert Pierce, LLC and other third party defendants for violating multiple provisions of the FDCPA.
A copy of the lawsuit is included with this complaint.
A partial list of the violation are as follows : Threatening action that the debt collector does not have the authority to pursue.
By initiating an illegal non-judicial foreclosure action.
Violation of 15 U.S.C. 1692f ( 6 ) a Falsely representing the character, amount, or legal status of the debt.
Violation of 15 U.S.C. 1692e Attempting to collect a debt that was discharge in Chapter XXXX  bankruptcy.
Violation of 15 U.S.C. 1692e Failing to verify disputed debt.
Violation of 15 U.S.C. 1692g ( b ) Falsely implied to ( CFPB ) in the consumer response this debt was sold on XXXX XXXX, 2017.
Violation of 15 U.S.C. 1692e ( 10 )
Consumer complaint received 2017-07-11
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NC)

On the  XXXX  of  XXXX  this year, we turned in our    2014 Nissan Pathfinder to the dealer we bought as we can no longer can afford the payments. Nissan motor acceptance corporation  is still expecting payments and keeps calling, sending pass due and will not acknowledge that we no longer have the auto and thier dealer does.
Consumer complaint received 2017-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NJ)

On XXXX/XXXX/16 I did a transfer of XXXX from my credit card to my wife 's credit card. This transfer was never complete, because I could n't do it from my account to a different person. I have been trying with these credit cards to get my money back, but it is been so hard, they do not want to resolve this situation and every time I call them they accuse one to another. they charged me the XXXX. but this money is nowhere to be found.
Consumer complaint received 2017-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (WA)

I was awakened early this morning, around  7 a m by a representative of ERC Collections. It was an attempt to collect a dept for my father in law who has recently passed away. They have already called my wife previously and been told to cease and desist. My phone number has never been listed on any of his medical documents. The company in question has gone through the extent of doing a background check on my mother in law to find any phone records with numbers associated with her name. That is how they obtained my number. I have since informed them to cease and desist their activities or else I will be taking further legal action. I also asked for their   XXXX   XXXX   business license number to solicit calls for debt collection and they refused to provide me with a valid license number. This company is based in  XXXX  Florida When I asked them for proof of the original debt in writing they could not do that either. They do not possess licensing fo  XXXX   XXXX    XXXX .
Consumer complaint received 2017-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

During XXXX of 2016, my phone, and wallet were stolen at a downtown nightclub. Shortly after I was charged with outstanding overdraft fees, due to fraud activity. I notified the bank ( bank of America ) about the issue and filed a complaint. After a slight investigation, the bank came to the conclusion that it was indeed fraud and I was possibly at fault. The only fault I had was checking my account on another friends mobile app. The bank was uncooperative with any further assistance and then proceeded to close my account. The outstanding charges were up to {$560.00} dollars. Please get this problem eradicated, I 'm in desperate need of a checking and savings account. Please and thank you.
Consumer complaint received 2021-05-20
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. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2017-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I find many inquiry which i did n't authorize on my credit report and which i did n't know of them putting inquiry on my report, try to contact them with sending them letter they all telling me that they do n't have any file under my name or account under my name. I did call tans-union to let them know about the inquiry issue on my credit report and the representative did n't want to remove those. That why Im complaining here are all the inquiry 's - XXXX XXXX XXXX : inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX Inquiry XX/XX/XXXX - XXXX Inquiry XX/XX/XXXX -- XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX Inquiry : XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX XXXX XXXX XXXX : Inquiry XX/XX/XXXX - XXXX : Inquiry XX/XX/XXXX
Consumer complaint received 2021-05-19
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: EQUIFAX, INC. (FL)

I sent out a letter To Verify The Accuracy On my Credit Report on XXXX. It's been over 30 plus days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof.
Consumer complaint received 2020-08-19
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. (NJ)

On or about XXXX, XXXX, I pulled my credit report, going over, I found out multiple accounts that did not belong to me, knowing this I started to do my own research to know how to remove the accounts that did not belong to me. on XX/XX/XXXX, I started disputing the incorrect information using different types of letters. After been disputing wrong information on my credit report for about a year, the accounts that were not mine were removed from my credit report, but, no too long ago I received a collection letter from XXXX XXXX XXXX trying to collect on Behalf of XXXX, XXXX of the accounts that were included on my identity theft package, after disputing the account via CFPB, they removed the account, unfortunately, just a few days ago, after checking my credit report, I found out that a new collection ( XXXX  XXXX XXXX came up collecting on the same account. 

Attached is my Affidavit of Identity theft package for your reference.
Consumer complaint received 2020-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (VA)

We have a conventional loan, so legally the PMI should have come off when we had the loan paid down to 80 % by request, or 78 % automatically. This 78 % threshold was reached approximately three years ago, we are now down to approximately 60 % of the loan, the mortgage company ( PNC ) only stopped the PMI off last month after we called them about it. They are not repaying us for the extra PMI payments we have made over the last 3 years, they also appear to have misfiled our mortgage as a FHA loan in the fact that on our statements it shows up as MIP payment instead of PMI as it should say for a conventional loan.