davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: COLORADO HOUSING AND FINANCE AUTHORITY (CO)

They paid another persons homeowners insurance with my escrow before mine was even due. We sent them the paper work and then they paid ours late. We have contacted them twice to have the money put back in the account. They told us that it would take up to 5 business days to research this and they have not contacted us back about it. We again tried to call them about it today and the refused to talk to us about it. This is making our escrow account in the negative of over {$700.00} and causing our mortgage payment to go up because it shows that our insurance is mor than twice of what it should be. They did not do their due diligence in making this payment.
Consumer complaint received 2024-05-09
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 requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-09-19
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX
Consumer complaint received 2023-09-19
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: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (TX)

I attempted 7 times to unfreeze my credit file on your website and was unable to do so. I called Experian 5 times and each time, was unsuccessful in reaching a customer service representative. Your website does not have the functionality required for users to unfreeze credit files. The website neither provides consumers with email addresses to send an email nor provides phone numbers to speak with a representative. This is unacceptable as the law requires you to provide consumers with the means with which to communicate with. 
The reason I attempted to temporarily lift a security freeze is to apply for a new credit card. I painlessly lifted my security freeze with the 2 other credit reporting agencies. One was done online and the other via telephone with a human being that was available to help me. 

This is a formal complaint that I am sending to the Consumer Financial Protection Bureau as you are a consumer agency and have failed to provide the consumer with customer service contact information. Your website does not offer ANY customer service phone numbers other than the main phone number, all of which is automated. The automated options are inadequate and when I requested to speak to a customer service representative the 7 times I called, the automated system indicated there is no specialist to speak with. This is unacceptable and I need my security freeze temporarily lifted. I applied to a credit card and should have been immediately approved ; however, I was not approved and was told that the decision will be made and sent via mail. I previously lifted a security freeze in XX/XX/year> and did not have any problems doing so. I even created a new account with Experian but the system said it could not confirm my identity. 

I need this issue resolved immediately so I can continue with my credit card application process.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I overnighted a check to Capital One per their instructions. They could not verify receipt for several days even though I provided tracking. They continued to give me excuses like it must be processing. The check posted on XX/XX/XXXX with an available date of XX/XX/XXXX. I called customer service to inquire and the customer service department out of the country is asking for too much information. They asked why I have the check. I explained the check earlier. Its not every customer service reps business Why I have a check! They should verify funds and release my money. Enough is enough. They are holding my funds unnecessarily. I have business to take care of. At this point they are giving me the run around. This is unacceptable! Please have someone contact me to resolve this matter. This is a settlement check from a car accident in XXXX.
Consumer complaint received 2023-05-18
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. (WI)

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 

I have disputed this account on multiple occasions, as recently as XX/XX/. The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. The XXXXXXXX XXXX XXXX XXXXXXXX does not belong to me.
Consumer complaint received 2024-08-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (GA)

My complaint is simple. The story, not so much. Today when I went to pay my car bill ( online XXXX  https : //www.kiafinance.com/home ) I discovered that because I was late making the payment I was unable to pay online. The website did not say as much but after attempting to make a XXXX payment 3 times and being denied, I had to use their chat function. 
The agent on the chat informed me that I might need to call since the payments were unable to be completed through their portal. They informed me that mailing a check may not work because I am too close to getting the car repossessed. This is probably the XXXX or XXXX time I've been through this with Kia Finance. 
I called them as I was told and today they showed me mercy and did not charge me a fee to pay because I complained enough. However in the past I've had to pay the late fee along with the payment fee because they would make it impossible to get the account current without having to call in or mail a check. 
Here is the point of my little story. I'm no saint and I'm late frequently because its 2024 and money is tight. I DO pay my bills though. It baffles me that we live in a country that actually thinks its ok or normal to charge people who are trying to get current on their debts fees like this. What is the " Late Fee '' for when we still charge more fees on top. I don't mind the late fee. What I want you all to fix it these Junk Fees. Anyone attempting to pay a debt should have every obstacle removed from their path. The idea that the web portal is for my convenance is a copout. 
Business practices like these allow companies to treat Americans like second class citizens when they are literally trying to make things right. STOP LETTING DOMESTIC COMPANIES PROFITY OFF OF THE MISFOURTION OF FELLOW AMERICANS PLEASE!
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom this may concern. I need the assistance of your department. Im having issues with either XXXX XXXX or the credit reporting agencies. It has gotten to the point of just down dirty disrespect!! 
Whats going on is, this is the third time my score has been abusively pushed back to the mid XXXX. During the past 2.5 yrs. of building my credit, It has had various highs and lows of which I thought nothing of until just recently! 
I was using Credit Karma as a method to monitor my credit. After achieving a XXXX score the next reporting cycle my score dropped to XXXX?!! Which was the score I had when I first started building my credit. I contacted Credit Karma and was told that I have a thin file ( meaning I have no history ) and I need to contact the XXXX. Before I contacted XXXX XXXX  I received an email from XXXX urging me to check out my credit score thru their credit view. When I clicked on the link I was directed to XXXX login. I logged in and found out that my credit history was available I click on the latest history and saw that my score was reduced to XXXX! Then the following report it was increased to the mid XXXX again. So approximately XXXX points vanished from my credit score. 
When I saw that I felt cheated and disrespected. I started to wonder is this the reason Im having a hard time breaking XXXX? 
This is my third complaint about inaccurate reporting of my credit history. Ive reported the first two inaccuracies to the, Consumer Recovery Department. I dont think me writing to them again is going to stop this foolishness and unfairness! 
I feel that Im personally being held back for reasons I have yet to discover. These feelings may not be reality but looking at where my score is and comparing it to my history seems to be really hopeless, daunting, discouraging and a attack on my finances which are real feelings. 
I want a investigation started to solve this problem and I want my score adjusted back to XXXX plus the points I earned while Im waiting for this to be resolved. 
Ive included pics of my credit history thru XXXX ( credit view ) via XXXX or visa versa. I notice that when my score was deducted points, there were a lot of points taken. But when I gained/earned points the amount was minimum in comparison. 
If you need to contact me, I can be reached at XXXX or XXXX XXXX XXXX Thank you
Consumer complaint received 2024-05-09
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-22
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC (AL)

On XXXX XXXX, I was contacted by a debt collector by the name of XXXXXXXX RENT DEBT! Located at XXXX XXXX XXXX, XXXX TN XXXX, stating I owed rent at my old apartment which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX! I let them know that this was an error! I did asked them to send me a summary of the account, they emailed me a list which stated that I didnt pay rent for 2 months! In return I sent them the receipt where I did in fact pay rent! In mid XXXX they put the collection on my credit which made my score decrease XXXX points! I was in the mist of looking for another apartment but kept getting denied because of my credit score!
Consumer complaint received 2023-08-28
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. (NY)

I am writing to formally dispute inaccurate information present on my credit report, which I reported to Experian on XX/XX/XXXX. As of this date, I have not received any response from Experian in regard to the concerns I raised. I hereby provide a comprehensive account of the inaccuracies that necessitate immediate resolution : Account Information : Creditor : XXXX XXXX  ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$340000.00} Issue : This account has never been overdue. I request that Experian correct this inaccurate information on my credit report. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$1700.00} Issue : The account has never been overdue. I request that Experian rectify this inaccurate information on my credit report. 
Account Information : Creditor : XXXX XXXX  ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$6200.00} Issue : The account has never been overdue. I request that Experian correct this inaccurate information on my credit report. 
Account Information : Creditor : XXXXXXXX XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX Balance : {$55000.00} Issue : The account has never been overdue. I request that Experian rectify this inaccurate information on my credit report. 
Account Information : Creditor : XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$5000.00} Issue : I request the removal of the late payment entry for this account. 
Account Information : Creditor : XXXX  ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$2500.00} Issue : The account has never been overdue. I request that Experian correct this inaccurate information on my credit report.
Consumer complaint received 2023-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX XXXX XXXX ( spouse, joint account ) received email from Citibank Costco credit card. Wanted to review recent suspicious activity. Responded to email and also called the bank. Card was cancelled. XX/XX/XXXX XXXX received call from a Citibank number XXXX. Person on phone identified himself as an employee from Citibank fraud dept and was on a recorded line. During conversation he mentioned XXXX  at Citibank for XXXX years. He needed the code to stop the fraudulent activity that was associated with account. Code was given and stated our account would not be accessible until XXXX the next morning. On XX/XX/XXXX XXXX discovered all XXXX accounts ( business checking, personal checking, and savings ) were depleted, a total of {$130000.00}, plus fees ). The money was wired to XXXX different accounts under XXXX names. These transactions were made without our knowledge. Citibank allowed all our money to be suspiciously transferred without an alert or notification to us. XXXX has been with Citibank for XXXX years. This activity was not normal for us should have been recognized and the fraud stopped immediately. We are distraught.
Consumer complaint received 2023-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (UT)

I went to college in 2020. I qualified for fasfa and was told that I did not have to pay it back. have not gotten any letters, emails, calls or anything to pay anything back and it is affecting my credit. the amount is around {$3500.00}. I have called multiple times and stayed on the line for hours on end. I have never been put through to talk to someone. I have emailed in and have not gotten an email back in over 2   months of trying to get in contact.
Consumer complaint received 2024-06-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LEXISNEXIS (NC)

LexisNexis closed the complaint without addressing the inaccurate information ( complaint Number : XXXX ) This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Lexis Nexis credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent inaccurate and false information consist of a apartment rental lease with XXXX XXXX XXXX XXXX ( previously or possibly also XXXX XXXX XXXX XXXX ). This account has resulted in fraudulent collections. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you was not opened, made or initiated by me. The aforementioned account is the result of identity, theft and fraud. I have attached a copy of my XXXX identity theft criminal complaint, Police Affidavit of fraud, Drivers License and Social Security card as proof from the XXXX XXXX XXXX XXXX that all of the aforementioned consumer, credit accounts, collections and hard inquiries are the results of identity, theft, and fraud I request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the Lexis Nexis credit reporting agency block all of the accounts collections and hard inquiries identified in this CFPB complaint from my consumer credit file within four business days of receiving said complaint I requested all written confirmation regarding this CFPB complaint be sent to me via email to the email address provided.
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MA)

HD XXXX unauthorized transactions XXXX on my debit card made at a XXXX in XXXX, Florida 1 day after I made a deposit at a XXXX next to my home in XXXX ma XXXX XXXX {$500.00} XXXX Ma, XXXX unauthorized purchases for {$320.00} made at XXXX in XXXX Florida, Chime says nothing suspicious will not refund my stolen money!!!
Consumer complaint received 2023-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (MI)

XXXX XXXX XXXX caller knew my SSN and DOB some how and said I owed a bill to care credit and was getting served sued garnished. I called all three XXXX XXXX XXXX  and no such case exists XXXX, or anything against me. Nor do I owe any such debt. It was on my Credit report probably ten years ago and I disputed it and it was removed as I had never signed for any such thing. 

They attempted to scare me into paying and called me back twice over the past few months after being told not to call again and wont give me an address to send a cease and desist letter. I just got the name of the company today via research. 

I called back and a lady told me it was XXXX and XXXX XXXX out of California and New York. They violated the Fair Debt Practices Act when they threatened my wife with Garnishment and said I was a debtor. This is this third call in a few months. When I ask questions they hang up on me and I never get served papers as they threatened.