davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-03
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. (CA)

I had a simple credit freeze with each of the three credit reporting agencies, Experian, XXXX   and XXXX. I want to refinance my home and lock in an exceptional low rate. Locking in an interest rate must happen day of, but they have to also pull your credit report from all three of the credit reporting agencies. 

I called XXXX, spoke with a representative, answered security questions and they lifted the freeze immediately. I called XXXX, and a few clicks of the phone keypad they also lifted the freeze immediately. I went online with Experian to also release the freeze. I input all the required information and my PIN and they required that I mail in my government identification, utility bill and my social security card. How is that secure? I called Experian and tried to speak with a live person, but no luck. I called many, many, many times trying to speak with a representative and it was all in vain. It is absolutely unacceptable that a credit reporting agency, that owns your data, and has such the power over, and affects every single adult person in the United States, does not allow its customers the opportunity to speak with a live human being. I have now lost out on the interest rate, and Experian has caused me financial harm.
Consumer complaint received 2021-01-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (GA)

I have a XXXX XXXX with Carmax Auto Finance Account # XXXX. 

I use a service called XXXX who charges my credit card and then writes checks on my behalf. Since I started this loan in 2017. XXXX charges my credit card on the XXXX of every month and the checks are deposited on the XXXX. On 6 different times over the course of the loan I have been told by Carmax whether it be collection agencies calling or letters written stating that I'm late or haven't paid. Each time I have to go through the process of providing them Bank statements and check numbers ( which I get from XXXX ) in order to show payment. Each time Carmax determines it was an error on their part and everything is cleared up. It continues happening time and time again. My belief is that Carmax is trying to scare or bully me in to making multiple payments on my account. They call me at all hours of the day and night and send multiple letters to my home each time. I wish they spent as much time investigating their own business practices as they do harassing their customer. I wish I was able to move on from them, but they have the loan on my vehicle so what can I do?
Consumer complaint received 2020-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Statebridge Company (WA)

On XX/XX/XXXX, I received an alert message from all three credit reporting Bureaus ; XXXX, XXXX  and XXXX that my credit scores has decreased by 120 points  as a result of an adversely Negative report on my credit files by Statebridge Company ( company ), a debt collection and Mortgage Servicer. When I checked the report from this company, it reported on XX/XX/XXXX that I am delinquent by 180 days on a mortgage Loan I received from them on XX/XX/XXXX. 
This information on my credit files reported by this Company is false and inaccurate and has to be removed. I did not receive or apply for any loan from this company in XX/XX/XXXX ; I do not have any signed monthly payment plan with them and did not borrow {$50000.00} dollars from this company. 
I received a letter from this company on XX/XX/XXXX and XX/XX/XXXX that they are the new servicer of a {$48000.00} debt they bought from XXXX XXXX XXXX , XXXX, on XX/XX/XXXX. 
I reached out to Statebridge Company on XXXX XXXX with a dispute letter and informed them that I DO NOT OWE THIS DEBT. This debt was disputed and the previous servicer and debt collector namely XXXX XXXX XXXX who sold the debt to them was unable to collect any money from me regarding the debt. This debt was disputed and was written off by the original lender XXXX XXXX  in XX/XX/XXXX and they stopped reporting this debt on my credit report. 
This Loan servicer and debt collectors threatened to foreclose on my primary residence and sent a foreclosure appraiser to appraise my house for sale and I have a copy of the appraisal they sent me.They also told me they have a lien on my property. 
I was in the process of refinancing my Mortgage since XX/XX/XXXX and was at the final stages at the Title Company. The Title Company noticed that a lien was placed on my house. They reached out to them to find out what interest they have on my house and wanted to work with them to remove the Lien and requested for a settlement offer if any to enable them to finalize the refinance by XX/XX/XXXX. 
On XX/XX/XXXX when we were getting ready to go and sign the closing documents, the Lender informed me that my final credit report check before closing had dropped below 600 points and was unable to proceed with my Loan, and therefore, the refinance was cancelled. 
I reached out to Statebridge by phone and mail to remove the inaccurate report from my credit files, but they refused.This adversely Negative credit report by Statebridge Company has affected me tremendously, and they need to remove this report from my credit files and stop reporting on my credit report. It has harmed my Business by a Loan denial from XXXX XXXX  on XX/XX/XXXX and this inaccurate reporting will prevent me from Refinancing my Mortgage to have needed funds to repair my house.
Consumer complaint received 2020-03-02
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (GA)

My complaint is with Global Client Solutions , LLC and XXXX XXXX XXXX XXXX, XXXX. I am from Georgia and Global Client Solutions has withdrawn over {$20000.00} out of my checking account and have helped pay large upfront fees to XXXX XXXX XXXX XXXX. 
1. Global Client Solutions , LLC is not registered in the state of Georgia. 

2. XXXX XXXX XXXX XXXX changed their name from a LLC to a PLLC in 2015, but did not notify the state of GA if the change which is illegal. 
Both companies have scammed me out of my money. 
Look under their names XXXX is out of Michigan Global is out of Texas
Consumer complaint received 2021-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

On XXXX, LoanCare LLC provided a Mortgage Payoff Statement ( ATTACHED ) with the following fees prohibited under Regulation Z, 12 CFR 1026.34 : Processing/Recording : {$190.00} Statement Fee : {$30.00} LoanCare did not provide a processing fee disclosure prior to charging these fees, and the county recording fee is a fraction of what LoanCare is charging.

12 CFR 1026.34 Regulation Z states : " ( 9 ) Payoff statements ( i ) Fee prohibition. In general, a creditor or servicer ( as defined in 12 CFR 1024.2 ( b ) ) may not charge a fee for providing to a consumer, or a person authorized by the consumer to obtain such information, a statement of the amount due to pay off the outstanding balance of a high-cost mortgage. 

( ii ) Processing fee. A creditor or servicer may charge a processing fee to cover the cost of providing a payoff statement, as described in paragraph ( a ) ( 9 ) ( i ) of this section, by fax or courier, provided that such fee may not exceed an amount that is comparable to fees imposed for similar services provided in connection with consumer credit transactions that are secured by the consumer 's principal dwelling and are not high-cost mortgages. A creditor or servicer shall make a payoff statement available to a consumer, or a person authorized by the consumer to obtain such information, by a method other than by fax or courier and without charge pursuant to paragraph ( a ) ( 9 ) ( i ) of this section.

( iii ) Processing fee disclosure. Prior to charging a processing fee for provision of a payoff statement by fax or courier, as permitted pursuant to paragraph ( a ) ( 9 ) ( ii ) of this section, a creditor or servicer shall disclose to a consumer or a person authorized by the consumer to obtain the consumer 's payoff statement that payoff statements, as described in paragraph ( a ) ( 9 ) ( i ) of this section, are available by a method other than by fax or courier without charge. ''
Consumer complaint received 2020-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans or gave anyone authorization to. I have never went to school. I opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DPT ED/XXXX XXXX {$3600.00} DPT ED/XXXX XXXX {$6800.00} DPT EDXXXX XXXX {$1800.00} DPT EDXXXX XXXX {$9100.00} DPT EDXXXX XXXX {$3700.00} DPT EDXXXX XXXX {$390.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$570.00} XXXX  XXXX {$12000.00} XXXX XXXX XXXX {$480.00} XXXX XXXX {$2700.00} XXXX  XXXX {$600.00} XXXX XXXX   XXXX {$660.00}
Consumer complaint received 2020-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TN)

This company contacted me regarding an alleged debt that I do know owe. In the letter it states that I can not be sued for this debt because of the age. Therefore I demand that this company cease and desist contacting me regarding debt I do not owe and is not collectible and to not then sell this alleged debt to another company..
Consumer complaint received 2019-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

This complaint is regarding a transfer of XXXX from XXXX XXXX into my Fifth Third account. The original date of the transfer is XX/XX/2019. I did a real time transfer from XXXX XXXX into Fifth Third however the transfer never completed. I have spoken to XXXX XXXX including customer service, the local branch XXXX XXXX, and the executive office XXXX XXXX which have all been of no help. a complaint was originally sent to XXXX XXXX  and received and investigated by XXXX XXXX at the executive office but her claim is it is Fifth Third fault and that XXXXXXXX XXXX  has no responsibility. I need help I am missing XXXX that was to be transferred from XXXX into Fifth Third on XX/XX/2019 however something went wrong and I have never received the funds into Fifth Third and the funds are missing. I don't know where the money is, I am missing my money and I just want help finding where the transfer went and I want my money. XXXX is missing and that's a lot of money. We need that money found and returned to the account. 

included will be XXXXXXXX XXXX  correspondence which they have provided no help and put the responsibility on Fifth Third.
Consumer complaint received 2019-12-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (AR)

I took out a New Conventional Home Loan Mortgage Originated & closed XX/XX/XXXX. 
First payment due XX/XX/XXXX. {$600.00} Paid on XX/XX/XXXX. 
Second payment due XX/XX/XXXX. {$600.00} Paid on XX/XX/XXXX. 
Insurance premium {$680.00} due XX/XX/XXXX, Insurance Company sent bill, but Bank Escrow Account didn't disburse payment until XX/XX/XXXX. It would have been late, but it has never arrived at the insurance company as of XX/XX/XXXX. I have received a NOTICE OF CANCELLATION FOR NON-PAYMENT OF INSURANCE PREMIUM on XX/XX/XXXX saying the cancellation will be effective XX/XX/XXXX if payment is not received. I called the bank and was on hold and tossed around to a couple of different people who would not/could not answer my questions. First, I wanted to know if the check they disbursed has cleared the bank for payment. Neither of the individuals I spoke with could/would tell me that. They said that inquiry has to go through their research department and that could take 5 to 10 business days. My homeowners insurance is going to be cancelled in 10 business days. There is NO time for that research department to conduct such a time-consuming inquiry. 
I have already received an Annual Escrow Account Statement on a loan that was originated two months ago. I don't think that is acceptable. The loan needs to be in place at least a year before I receive a statement of account. This analysis has already changed by loan payment and showing a shortage in escrow. 
Where is the money that the bank disbursed for my homeowners insurance premium? 
Why aren't they expediting a check to my insurance agent overnight? 
Why can't they tell me if the check has cleared the bank? 
Why is the money already OUT of my escrow account if it hasn't cleared the bank? 
I spent 50 minutes on a phone call to the bank and got absolutely no answers. 
This happened because the financial institution didn't update the payment mailing address to the homeowner 's insurance company.
Consumer complaint received 2021-10-18
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 (IN)

I paid this credit card off months ago. When I had originally applied there as no annual fee. I never received a bill, email or phone call asking me for the {$39.00} annual fee. They are now charging me 2 late fees @ {$40.00} each for an annual fee, not a purchase of any kind. So my total due is no {$100.00} and the min fee is {$99.00}, thats almost the entire bill. I attempted to call their customer service stating I would pay the annual fee immediately, yet I believed it only descent to discard the late fees. They would stated no. 

Thank you, XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am writing to formally request the immediate correction of an inaccurately reported late payment entry on my credit report concerning my XXXX XXXX XXXX XXXX account. The details of the account are as follows : Account Number : XXXX XXXX XXXX XXXX Upon reviewing my credit reports, I have identified discrepancies that require XXXX attention XXXX Experian and XXXX : My payments on this account are accurately reported as being made on time. 
XXXX and XXXX : These bureaus incorrectly indicate that I missed a payment on this account. 
I want to emphasize that I have never missed a payment on this credit card. All payments have been made punctually through a recurring payment setup, which should ensure timely and consistent payments. The inaccuracies reported by XXXX are likely due to a system error, and I request that these errors be rectified immediately. 

Legal Basis for Correction : According to 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are mandated to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. Given this legal requirement, it is imperative that my credit report accurately reflects my payment history and financial responsibility.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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.

Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 2020-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

I XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, returning XX/XX/XXXX, and XXXX in XX/XX/XXXX. I applied for my SCRA benefits with USAA each time. The company did not apply the required 6 % interest rate to my account. They have not back dated the error sin XX/XX/XXXX. 

I have been charged XXXX in excessive interest.
Consumer complaint received 2020-03-03
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: Southern Oregon Credit Service, Inc. (OR)

Southern Oregon Credit Service is still reporting this faulty and horrendous item on my XXXX credit report. Previously, I sent a written document on XX/XX/2019 and XX/XX/2019 requesting proper validation of this debt from Southern Oregon Credit Service with no response. I then followed up again on XX/XX/2019 with another letter letting Southern Oregon Credit Service know that they are in violation of the FDCPA due to not responding within 30 days, and then I received a response with a random explanation of charges Southern Oregon Credit Service claims that I owe, as well as an address that is not mine. I do not see how this is possible, because XXXX was unable to properly validate this debt, which resulted in TransUnion deleting the erroneous item on XX/XX/2019. I have sent each document via USPS Certified Mail and I have maintained accurate records without error.
Consumer complaint received 2020-03-12
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. (FL)

I PULLED MY CREDIT REPORT AND I ' NOTICED THAT I HAVE TWO OPEN ACCOUNTS THAT CONTAINS A FEW LATE PAYMENTS REPORTING ON MY XXXX  XXXX  ACCOUNT AND XXXX   ACCOUNT. I'VE HAD PERSONAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS EVER SINCE. I AM REQUESTING IF THERE CAN BE A GOODWILL ADJUSTMENT ON THOSE ACCOUNTS.
Consumer complaint received 2020-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BBVA FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX  has placed a collection account on my credit reports that is not valid, nor mine. I have no contract or agreement with XXXX XXXX or XXXX XXXX XXXX at all. This originally came from XXXX XXXX.They use multiple company names and different addresses to trick you into not knowing who to respond to properly. Upon initial receipt of a notice from them I sent them a cease and desist letter for this alleged account back in XX/XX/2019. Even though I had done this they have illegally placed this collection account on my reports. I have attached a copy of the letter that I sent them originally. I have also disputed this with the credit bureaus and re-sent XXXX XXXX XXXX the cease and desist letter. These companies are both owned by XXXX XXXX XXXX and they work in tandem to confuse, trick and deceive unwitting consumers into not knowing which company to respond, reply, communicate or dispute with. I want this removed from all credit reporting accounts immediately!
Consumer complaint received 2020-03-12
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. (GA)

There are inquiries on my report that I did not authorize. I have sent letters to each bureau stating that these were unauthorized inquiries and they are still continuing to report these inquiries. They also have some of my personal information incorrect as well as reporting accounts late that I know I was never late paying.
Consumer complaint received 2020-03-12
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. (NV)

Hello, There is one fraudulent collections account listed on my credit report. I am an american citizen who takes pride in paying my bills on time. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information.Please remove these negative items from my credit file. 

Please Remove : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-12
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. (VA)

My wife reviewed her credit report and our car loan that we are co-applicants on are showing two completely different payment histories which is IMPOSSIBLE. My wife 's credit report shows 100 % on time payments and mine shows two missed payments. I sent a dispute XX/XX/XXXX and received Equifax 's investigation results this week and the payment history is unchanged. This is a clear discrepancy in their reporting.
Consumer complaint received 2020-03-12
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. (NY)

I had a credit card account open with XXXX XXXX last year. I paid it off full with 2 possible late payment as result my credit score lower. The last time I checked my credit score in XXXX of this year it was around XXXX. For some reason, it was lower 74 points altogether. The reason behind it was because I reported XXXX XXXX and disputed them to confirm they recieved their final payment. The reason I did so was because we had a pre-existing dispute when I paid XXXX XXXX XXXX dallors to my credit card bill and they only applied XXXX something dallors. I didn't see where it was applied to the principal cost and asked them to verify how it was and they didn't.The second debut, according to Experian made XXXX claim I was delinquent after my final payment that's unethical.