davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

Credit acceptance corp 1 : As of XXXX, the balance to the car loan was up to date and the total balance of the car loan was around the XXXX mark ( the creditor can confirm this ) 2 : As of late early XXXX the car a surrendered to the bank and weeks later they tried to file a claim with my insurance company for damages that I was not at fault for. The charges were around XXXX 3 : As of around late XXXX they tacked on that balance to the remainder of the loan and the balance was showing at around the XXXX. 
4 : Early XXXX they adjusted it to around XXXX on the website but they are reporting on my credit report that I have a balance of XXXX and I am still being reported as late even though the loan is closed
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO. (TX)

I have been trying for the last 3-4 years to open a bank account with the large bank entities in the United States but with no good end result. XXXX XXXX, Chase, XXXX  XXXX XXXX. I have even tried the lesser accounts that XXXX XXXX offers for those with bad credit history but still not an option. I am working on getting my credit score back up to normal and with a legit bank account it would definitely help but every bank is telling me no. I would like an in depth look into why that is and for it to be resolved. I have been up to date on most of my payments and dont owe anything to any banks.
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (LA)

On XX/XX/XXXX, and XX/XX/XXXX, I logged into my Experian account to temporarily lift the freeze off my credit file. I submitted all of my personal information along with the temporary pin that was assigned to me in order to lift the freeze off my credit file. I received an alert stating I need to send in requested documents, such as drivers license, state ID, etc., one copy of a utility bill, bank or Insurance statement, etc., and a copy of your social security card or another document that displays my social security number in order to verify my identity. The request also states the documents should display your name and current mailing address, and the dates of issue. These statements must be recent. Once the documents have been received they will validate my identity and remove the security freeze for the time frame I requested. 

The problem that I have is first I'm an Identity Theft victim which is the main reason I have the freeze on my credit file. The second issue, I logged into my account to access my credit file and there was nothing showing in my account. As I selected every link on the Experian web page of my account, nothing happened. I noticed the Experian website requesting me to upgrade the account. In XXXX of XXXX, I signed up for the Experian account, it was offered to me for free because I was notified I was involved in a XXXX  data breach. And I selected to receive free credit monitoring at all three credit bureaus. Now Experian are requesting for me to pay for the account. 

I need to temporarily lift the freeze off my account immediately for business purposes. And there seems to be a problem with lifting the freeze or accessing my Experian account period. Once I have sent in the documents requested, How will I know if my credit has been lifted? This has caused a problem for me because I have sent in documents before to verify my identity and Experian claimed to not have received any documents from me as well as the freeze was never lifted off my credit file. 

On today, XX/XX/XXXX, I will send off the documents requested but one of my documents ( drivers license ) does not have my current address on it but it is valid, recent and not expired. I have lived at my current address for 11 months and It is not time for me to pay to update my drivers license, so it will not show the correct address on it. So will it get rejected because it doesn't have my current address on it? The utility bill that I have sent along with my drivers license does have my current address on it. This is a serious road block that needs to be addressed with Experian. There is too much of my personal information being asked to send into Experian, and this company is not U.S. based. I'm an Identity Theft Victim and exposing too much of my personal information is not a secure method of protecting my Identity from anyone.
Consumer complaint received 2020-04-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Well first off I never knew anything about this account until I received a bill in the mail. It has made my credit score drop and I never even knew anything about it. And how is {$950.00} due on an account that had a {$750.00} limit? Someone has committed fraud against me. After I received the bill on account I knew nothing about some investigating had to be done. My research shows the supposed account was opened on XX/XX/2019. The reported balance was {$0.00} on XX/XX/2019. If an account is closed how is a payment made on it? Furthermore, why is a payment made when it is already paid off and has a {$0.00} balance due? This account was not mine but it has very negatively effected my life. Who can pay me back for the manhours investigating, punitive damages, defamation, emotional stress etc.? Something needs to be done and those liable should be responsible. Please see the attached images I have enclosed.
Consumer complaint received 2020-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Variable Rate Mortgage ( VRM ) interest rate is recalculated annually on XX/XX/XXXX each year. Specialized Loan Servicing, which was appointed by XXXX XXXX to do the loan servicing, fraudulently took the following actions : - Failed to release the new 2020 annual interest rate statement - Issued XXXX billing statement showing incorrect interest rate at 4.25 % ( was 5.25 % ) -Attached - Per the " 1 Year US Treasury Security Weekly Average '', the contract index, the one year average rate for XX/XX/2020 is " 0.17000 '' which is prescribed for the week of XX/XX/2020 - Attached -Annual Interest Rate is Contract margin rate of 2.75 % plus the Annual US Treasury annual weekly average for XX/XX/XXXX each year now at " 0.1700 '' = a new mortgage rate of 2.92 %. However, contract has a maximum plus or minus interest rate change maximum of 2 % of any given year. Therefore previous interest rate, see Attached XXXX billing statement was 5.25 %. THEREFORE NEW 2020 ANNUAL INTEREST RATE SHOULD BE 3.25 %. which is higher than the calculated rate of 2.92 % and acceptable based on contract terms and conditions. 

Specialized Loan Servicing LLC should be forced to correct their fraudulent error and other consumers should be alerted to this fraud that occurs in low competence loan servicing companies.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I contacted Capital One within the last few weeks regarding a refund of interest for a transaction that was refunded by XXXX XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I charged {$200.00} to my Capital One Visa credit card toward a cruise. 

Due to COVID-19, the cruise is cancelled and my {$200.00} was reimbursed. 
I called Capital One again on XX/XX/XXXX, after having called a few weeks prior, regarding a refund of interest paid for this transaction and they refused to reimburse the interest.
Consumer complaint received 2020-04-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/XXXX Chase sent me a letter cancelling the remaining balance on my account, a HELOC. 
The latter stated they would no longer accept payments on the account, and they would release any liens that may be associate with it and my balance will be reduced to {$0.00}. 

The letter also stated I may receive an IRS Form 1099-c Cancellation of Debt for the corresponding tax year, XXXX. I received the 1099-C in XXXX of XXXX for the discharged debt of {$110000.00}. 

My wife and I applied to a bank to refinance our first mortgage to a lower rate, and to take out some cash to pay the anticipated IRS debt and make some repairs. We applied in early XX/XX/XXXX. 

When the title company did a search with the county they discovered that the Chase debt had not been released and is still outstanding. 

As a result of the lien not being released, we are not able to close, however the IRS will want the taxes due because Chase sent them a 1099 C cancellation of debt. 

I contacted Chase on XX/XX/XXXX at XXXX x XXXX and spoke to an XXXX. 
She could not find any record of a lien cancellation and said she would refer it to a supervisor. She advised me to call back the next week. I followed up with calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I finally spoke with a supervisor. A Mr. XXXX XXXX on XX/XX/XXXX. His number is XXXX. 

He was at a loss to explain what has happened to the lien release. His best explanation was the company had thought the lien release was already sent in XXXX ( it was not because they kept contact me for a resolution until early XXXX ), and therefore did not think it was necessary to send another one. He said he would request a lien release be sent on a rush basis. 

As of today I have not received the lien release nor has my title company. The title company has also made several requests. 

I am not able to close on my refinance because Chase has not released the lien like they said they would, and my wife and I are in danger of losing my low rate or having to pay rate extension fees to keep the rate until this gets resolved. 

I also may have a tax liability to the IRS for the 1099 C Cancellation of Debt, on a debt that has not been cancelled.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (CA)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2020-04-20
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: Experian Information Solutions Inc. (FL)

Hello : I have contacted Experian Credit bureau regarding Identity theft in my account and have subsequently asked to remove all accounts that were not mine as well and any and all address that did not belong to me and provided them with a policy report and my current IDs to support my request. It took several letters to get some of the information removed but they have yet to update 1 account and have not removed the various variations of my name and various incorrect addresses that do not belong to me but that show up on my credit file. I have expressed to them that all this confusing information is probably what exposed my account to the risks of Identity theft to begin with. To date, i am still exchanging letters with them on the matter and they are still not budging. Can you help me ot get their attention to this very critical matter which is severely affecting me at this time? Can you help me remove all names and addresses that do not belong to me and this acct XXXX XXXX that they keep " updating ' with the same information which i dont know where they are getting it from since its in another country altogether? I have even been told that I have an email associated to my account that has nothing to do with me, probably residuals from the fraud which happened.
Consumer complaint received 2020-04-20
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 — Problem with personal statement of dispute
Company: Nelnet, Inc. (HI)

I've called and wrote to NELNET about the negative reporting on my Credit report. My student loan were never late but it's reporting 90 days late and my loans have been approved for the XXXX discharge for Veterans.
Consumer complaint received 2020-04-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (TX)

GM Financial has closed their title processing office due to COVID19. Though I am sympathetic to this, it is costing me the ability to retrieve my title on a payoff. And therefore I can not resell my vehicle. Conversely ; GM Financial continues to issue financing and accept titles for car sales at their captive GM dealerships. 

This is an anti-competitive tactic not enabling private sellers to sell their vehicles if GM Financial holds the note.
Consumer complaint received 2020-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC ()

Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from XXXX on my credit report, and i want this account to be investigated and deleted. The most important thing is that I have not been living in United States since XXXX ( proof attached ), please delete it from my report
Consumer complaint received 2020-04-20
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. (OH)

While reviewing my credit report I see XXXX XXXX listed but it has been paid off. I have attached the receipt. 

I have the following hard inquiries on my report that were not authorized : HARD INQUIRIES : 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 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I submitted a certified letter to Experian on XX/XX/20 requesting information regarding a fraudulent Account from XXXX XXXX XXXX XXXX/ XXXX XXXX, to date I have received no reply to date from experian XXXX I requested from Experian the documentation they received to verify this fraudulent account that was reported to my credit file. I requested the process of how the information was received and verified. To date Experian has failed to provide any documentation proving this account was set up or requested by me. I have signed no contract with the company nor have any knowledge of this debt.
Consumer complaint received 2020-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

Within my rights under the FCRA, I have mailed multiple request in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting Transunion, XXXX  and XXXX  to supply their method of verification for the 30 day late payment listed for the XXXX XXXX XXXX  ( Account Number beginning in XXXX ). According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give methods of verification within 15 days of your request after confirming the item was accurate. Neither credit bureau has supplied the information for the late payment. Instead I received additional copies of my credit report with no other information stating their verification method.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

The account in question is in my opinion a duplicate account caused by a bank merging from XXXX XXXX XXXX  to XXXX XXXX  and the opened dates, balances, and account numbers are identical and the only credit bureau reporting the duplicate accounts is Equifax. 
On XX/XX/XXXX I called the loan servicer ( XXXX XXXX XXXX ) to verify information and was told the accounts in question could not be located and the correct accounts were verified. 
On XX/XX/XXXX I disputed incorrect information on my credit report. 
On XX/XX/XXXX I was notified that the dispute was finalized and the result was that it was " verified ''. 
On XX/XX/XXXX I called the Department of Education to verify information and was told the accounts in question were not able to be located and was told to re-contact XXXX XXXX XXXX. 
On XX/XX/XXXX I called Equifax to inquire about these results and was told that " it was verified '' and that they didnt have proof of verification and that they " report what is reported to them ''. 
On XX/XX/XXXX I then opened another dispute. 
On XX/XX/XXXX I contacted XXXX XXXX XXXX to ask for a " loan verification letter '' to provide to Equifax as they are incorrectly verifying information. They stated they couldnt send it to Equifax however they could send it to me and I could send to them. 
On XX/XX/XXXX I sent a method of verification letter and the loan verification letter to Equifax via certified mail. 
On XX/XX/XXXX at XXXX this letter was signed and received by Equifax. 
On XX/XX/XXXX I received 2 notifications on XXXX that 2 accounts on my credit report has been updated. This account was " updated '' based off of the loan verification letter sent, however, this form was labeled " XXXX XXXX XXXX XXXX  '' and the updated account was " XXXX XXXX XXXX XXXX XXXX  ''. 
On XX/XX/XXXX I called Equifax at approximately XXXX and spoke with an individual who told me that the accounts were " verified ''. I then asked to speak with his supervisor, the supervisor was XXXX, employee # XXXX. He refused to provide documentation of how the account was verified and also refused to have the accounts deleted off of my credit report. When I asked for the account numbers for the accounts in question, they were the same account numbers as the correct accounts with XXXX This indicates duplicate and inaccurate reporting as XXXX XXXX XXXX  was bought out on XX/XX/XXXX by XXXX XXXX. I then told him I would be filing a complaint. This conversation lasted for 1 hour and 15 minutes in duration.
Consumer complaint received 2024-09-07
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: HW Holding, Inc (TX)

On specific dates listed below : XX/XX/year> XX/XX/year> XX/XX/year> The company Hunter Warfield Inc. has been trying to collect a debt with a balance above {$12000.00}. This company has never received a signed agreement from me to obtain debt and has incorrect information such as my address and telephone number. This company actually reached out to a relative, who is a minor, under the age of XXXX to obtain debt from me. I did not provide this collector with any personal information and submitted documentation to credit burea of original creditor stating to not have any information on my behalf, such as an address to give collector. I have disputed the debt with all credit bureau agencies XXXX, XXXX, and XXXX through mail due to inaccurate information being submitted on the report from Hunter Warfield Inc. I decided to contact the credit burea directly through mail to avoid providing collector with my accurate personal information to obtain debt not owed. The balance was settled through court with a copy of paperwork provided to credit bureau for a lower balance than what is being asked. Documentation of proof has been mailed to all agencies, including bank statements, court order, drivers license, and balance to be paid.
Consumer complaint received 2020-04-21
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$13000.00} XXXX  XXXX {$5600.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$850.00}
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

CFPB is not providing any document bearing my signature, where XXXX XXXX proves with documents, that there was any individual responsibility from me ( which was never signed at all ). I do not agree CFPB closing the complaint without investigating properly, and asking for legal evidence for complaint XXXX-XXXX
Consumer complaint received 2020-04-20
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. (NH)

I have had incorrect reports on my credit which was over 700 at one point, these incorrect issues have brought my credit down.Now they are removed and my credit is still below 550.Shouldnt my credit go back to where it was before these fraudulent charges were put on my credit.
Consumer complaint received 2020-04-21
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: EQUIFAX, INC. (WI)

There is ( 2 ) hard inquiries that was placed on my credit report that was for XXXX  Card that were made on XX/XX/XXXX and XX/XX/XXXX to XXXX  Card| XXXX XXXX DE XXXX. 

I was XXXX  when these inquiries were made and I was not XXXX  until XX/XX/XXXX. I did not have access to the internet and was not able to apply for this credit card.