davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: JNR Adjustment Company, Inc (MD)

I received calls at XXXX XXXX on XX/XX/22, as well as calls on XX/XX/22, and XX/XX/22. Spoke briefly to a representative who said they were trying to collect a debt from XXXX XXXX XXXX, I told them only time I used XXXX was when my truck was rearended and that the persons insurance took care of it. I told them to stop contacting me. this was on XX/XX/22. They called again on XX/XX/22. I did not accept phone call thinking this may be a scam. I also checked with XXXX where I rented the car and my account with XXXX was paid in full. I am on DO NOT CALL LIST and want them looked into and to stop calling me. Company is XXXX XXXX and their phone # is XXXX ( XXXX ) XXXX.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

To Equifax Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXXXXXX not mine XXXX XXXX  XXXX XXXX not mine XXXX XXXX {$2100.00} not mine XXXX {$24.00} not mine XXXX XXXX XXXX XXXX {$1100.00} not mine XXXX XXXX XXXX XXXX {$4700.00} not mine XXXX XXXX XXXX XXXX {$450.00} not mine XXXX XXXX XXXX XXXX {$300.00} not mine How is Equifax able to verify these items when other agencies can not? 

621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission.

( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file. Please send a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2020-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (MD)

I have called multiple times and spoke to multiple agents and my issue still has not been corrected. My account was sent to your law firm XXXX, XXXX, XXXX. I paid in full. Last payment processed XX/XX/XXXX. I contacted the law firm on XX/XX/XXXX XXXX to confirm my payment was accepted. They told me it posted XX/XX/XXXX and that it took 10 days for it to get to Midland. After 10 days, I contacted midland because my account was still showing a balance on your website. They told me that they still had a balance on their end and to contact the law firm. I called the law firm they said they did their part and I needed to contact midland. Midland says I should receive something in the mail soon and it will update with the credit Bureaus. Im steady going back and forth and I get an alert to my credit report on XX/XX/XXXX that Midland has increase my amount balance due to them to {$44.00}. My credit score drops! Im devastated. Trying to buy a home and this happens. They reported incorrect information. Per their policy This account needs to be updated to reflect {$0.00} balance and deleted as agreed upon in the policy.
Consumer complaint received 2020-04-07
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. (TX)

On XX/XX/2020 Equifax received a letter from myself stating to investigate some accounts that were closed on my credit but since as of now XX/XX/2020 I have not received any conformation of them to if they had been removed or cleared from my credit report. So on XX/XX/XXXX of XX/XX/2020they received another from myself stating that they have not cleared anything and have not gotten any response from them within the 30 days that was stated on the letter and it was a violation on the 1629e ( 8 ) debt collection practice act.

I up to this date have not heard any response from them at all.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have had ongoing issues with the Office of the Attorney General of Texas correctly processing my payments in a timely manor. I have repeatedly tried to contact my local office and have requested multiple calls back, and e-mails but have had no one contact me to resolve the issue. Due to the OAGs office not correctly crediting my account, it was reported that I was delinquent on child support in the months of XXXX, XXXX, and XXXX to the credit bureaus. This was completely untrue. I then reached out to the reporting agencies to attempt to repair my credit, but have been denied by Experian. I supplied Experian with documentation showing all the support payments that were made, corresponding withdrawals, check stubs with deductions so there is no reason that my claim should have been denied.
Consumer complaint received 2020-04-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/XXXX Bank of America closed my account ( account number : XXXX ) and sent me a cashiers check for {$17000.00}. I had a total of {$34000.00} in my account when it was closed. They kept {$17000.00} that was granted to me on XX/XX/2020. I wired XXXX into my account from XXXX XXXX on XX/XX/2020. On XX/XX/2020 a company called XXXX illegally debited {$17000.00} from my account and Bank of America froze my account and disputed the funds. On XX/XX/2020 I wired {$17000.00} from my XXXX bank account. After the investigation was complete, a permanent credit of {$17000.00} was placed into my account on XX/XX/2020 which made my total balance {$34000.00}. I withdrew {$5.00} on my account XX/XX/2020 and on XX/XX/2020 my account was closed and they mailed me a cashier check for only {$17000.00} and they kept {$17000.00} that was given to me from the dispute department. A Bank of America rep named XXXX from the account closure department placed a hold on the {$17000.00} and told me he was keeping the funds. His phone number is XXXX. Bank of America risk department phone number is XXXX. They are refusing to give me the remainder of the money in my account and are trying to permanently keep it for themselves and possibly spilt it. It is clear where the money came from and who it belongs to but they claim they dont know who the funds belong to. So I attach all the bank statements, XXXX XXXX wire receipt and Bank of America dispute letter stating that the funds permanently belong to me. On XX/XX/2020, Bank of America told me that XXXX XXXX has to recall the funds and send over a hold harmless letter. XXXX XXXX did a wire recall 2 times and Bank of America denied it because they said the Bank of America account is closed and there were no funds to send back. On XX/XX/2020, XXXX XXXX corporate security tried to recall the funds from Bank of America back office and Bank of America said that they dont have any funds to send back.
Consumer complaint received 2022-02-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (TN)

Student loans are too high for monthly payments. I can not get a good paying job with this degree. It is not recognized. If I want to get a job using this degree, I have to take additional classes or start all over again with classes. XXXX requires XXXX year experience and they do not recognized or take in consideration the degree
Consumer complaint received 2020-04-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (ID)

In XXXX of 2018, I was late on a payment, which I did not know about, and it put me over the 30 day threshold for late payments. Chase Auto then decided to repossess the car without sending me a letter and verifying that I knew that they were going to repossess the car. They proceeded to repossess the car, the day after XXXX, and I did not even know it was more than a month behind. I called Chase and they said they could do this after 30 days of being late. I paid the late payments and received the car back. They refuse to take the Repossess and late payment off when it was a clear mis understanding.
Consumer complaint received 2021-12-16
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. (NJ)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2020-04-07
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 (MI)

In XX/XX/XXXX, I paid off my Capital One Credit Card, the account was set on Auto Pay prior to the payoff. There has been no purchases since the payoff. In XX/XX/XXXX, Capital One charged their annual fee to my card and instead of the autopay noticing that a new charge had appeared and making the monthly payment, Capital One removed the autopay at some point and no payment was made. I was accessed a late payment fee of {$25.00} and interest. Another month passed and another late fee of {$38.00} and interest was accessed all unbeknownst to me. The only reason I was made aware was because my credit score dropped significantly ( 88 points ). I can only assume that this is a way for Capital One to exploit their customers instead of protect them. They should have never removed the auto pay. The chat attached shows that they claimed I was never on auto pay yet my statement prior ( also attached ) to the payoff shows that I was. I have paid the membership due in full as of XX/XX/XXXX. I want all late payments and accrued interest to be removed from my account. I want any derogatory marks including the late history to be removed from my credit report.
Consumer complaint received 2020-04-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (FL)

My car was hit & run by another car. I made a claim with XXXX, my insurance company. XXXX made a reservation with XXXX, their rental car partner. I had to put a {$50.00} deposit down on my credit card for the return of the car. The car was returned after repairs to my card were made. 

In the process, XXXX has gone wild charging my credit card numerous times even though XXXX was also paying them! 

Despite my supplying Wells Fargo Visa with the evidence of XXXX paying the amount that should have been charged, there are still unauthorized XXXX  charged on my Wells Fargo Visa. 

Please help. I have spent a total of 8 hours of wait time simply holding for XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX who is also waiting on XXXX XXXX to pick up the phone. I have tried leaving messages for Senior Vice President XXXX XXXX XXXX with no returned call or email.
Consumer complaint received 2022-02-17
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-17
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. (FL)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2020-04-07
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: Experian Information Solutions Inc. (NY)

I have told Experian I had tried to contact the XXXX XXXX XXXX XXXX that says I have an open card on my credit, they have not responded to my messages or emails or provided any type of communication. Maybe I cant find the most direct number to them. But I disputed it and twice they claimed it's an accurate account but wont give me any information. I do not agree with this.
Consumer complaint received 2020-04-07
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (MS)

While I was sick, this company took two mortgage payments from me. Thus, putting my family into financial hardship during the worse time. I called them last week ( XXXX, XXXX ) and I had to wait on hold several hours and call back many times. I left messages upon messages with three different managers. The representatives were telling me there's nothing they could do. Finally a manager calls me and states she may be able to cut through red tape and get me a refund. She stated I would see my money back into my account by XXXX. I called three times today and left two messages. Still no money and no call. These people are scammers.
Consumer complaint received 2020-04-07
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: JLB CORPORATION (IN)

I submitted my application for refinancing to " Golden Oak Lending on XX/XX/2020. 

My loan officer at Golden Oak Lending, informed that he could refinance my home loan, with the Chapter XXXX bankruptcy in place. I was informed that I needed " 2 '' out of 3 credit scores to be above 580. 

According to Golden Oak Lending, they submitted my application for refinancing but reported was declined due to my low scores, but failed to give a date, of when it was submitted to their underwriting team. Based upon their response, they pointed out that being in a Chapter XXXX, my scores currently reflect ( XXXX, XXXX ). The question is obvious, how do Golden Oak Lending, know what my current scores are, if indeed they have closed my case, as it pertains to their denial? 

I am submitting evidence that contradicts this assertion with Golden Oak Lending of me having low credit score ( s ) at the of refinancing with them During the time of my refinancing process with Golden Oak Lending, my scores were in the acceptable guideline range for refinancing while in a Chapter XXXX. My score with XXXX XXXX alone indicated ( XXXX ), ( XXXX ) and ( XXXX ), substantially, well above required range. 

All these scores, Golden Oak Lending were privy too and had knowledge of, during my refinancing application process. It was not until, I contacted the corporate office and filed a complaint with the ( CFPB ), that they changed their direction and/or standing in approving my loan. 

Just to provide additional supporting evidence, to prove the discrepancies, in their report, I had to insist upon Golden Oak Lending, following proper protocol, when it comes to an applicant 's denial. I asked, that they send to me in writing a denial letter. 
Subsequently, I received a letter on ( XX/XX/2020 ), of which was post marked for ( XX/XX/2020 ) ; which again, was after the filing of the complaint ( s ). Thus, the evidences shows their negligence in consumer and lending regulatory guidelines. 

In closing, Golden Oak improperly/ missed handled my refinancing application submitted to them, my credit information and negatively has impacted my credit report. 

I am requesting that Golden Oak present their underwriting documents to support their assertion ( s ).
Consumer complaint received 2022-02-17
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.
Consumer complaint received 2020-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (CA)

Checkr.com has listed that I was required to do XXXX  XXXX evaluation, but the XXXX, XXXX, and XXXX  agreed that I didn't need to do it. This is the first time I have seen it in a report.
Consumer complaint received 2024-03-20
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (TX)

I have 2 property tax exemptions. One is a Veteran 's and the other is a Homestead. Upon review of our escrow and per conversations with customer service they insist there is only a partial homestead exemption and are disregarding the Veteran 's exemption awarded in XXXX. 

The mortgage payment has increased astronomically and the company is no longer responding to me to have the situation rectified. Despite having the property tax bill that clearly shows both exemptions they have not fixed the mortgage payment and I can not reach a live person. 

I have left voicemails, sent multiple emails and requested a supervisor callback via chat to no avail.
Consumer complaint received 2019-04-18
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (ND)

On XX/XX/2019, I sent a letter to Experian requesting validation of a debt. Despite numerous attempts, they have failed to comply with my request. Their first response was for me to contact the company reporting the information to my credit report. XX/XX/2019, I sent a second letter to Experian requesting that they validate an entry that is listed on my credit report and they have failed to do so in accordance with the Fair Credit Reporting Act. Experian has not provided any documentation as to how they validated that the debt is in fact mine. I received a letter from them dated XX/XX/2019, stating that they have completed their investigation and they have contacted the company reporting the information I'm requesting validation on and instructed them to verify the information in question. Experian 's response is not in line with the Fair Credit Reporting Act which states that a credit reporting agency is to provide validation of debt upon the consumer 's request. According to the Fair Credit Reporting Act validation in a copy of the original signed contract or document signed by the consumer. Experian have failed to provide such validation.
Consumer complaint received 2020-04-07
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: AMERICAN HONDA FINANCE CORP (TX)

Due to the recent COVID 19, I applied for a payment deferral for the month of XXXX and XXXX due to my work hours being cut in half. The deferral will not granted until XX/XX/XXXX. I was advised by the Honda Financial personnel from American Honda Finance Corporation to file a complaint to remove the negative mark from my credit.
Consumer complaint received 2020-04-07
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)

I have a XXXX XXXX XXXX XXXX on my Equifax credit report. This account is at zero balance and XXXX promised to delete this from my Equifax report this needs to be deleted today
Consumer complaint received 2022-05-19
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. (MI)

I lost my wallet and I am victim of identity theft and I submitted a police report to the credit bureaus for the accounts that were open and nothing further has happen. 
XXXX XXXX XXXX XXXX