davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-02
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 (MS)

I have had an account with Capital One since XXXX, and on XX/XX/XXXX, we began to receive charges on our cards at the XXXX in XXXX, XXXX XXXX usually in the XXXX dollar range, but some as high as {$70.00} and XXXX as low as {$30.00}. We contacted Capital One about these charges, and initially, they took them off. Subsequently, however, they wrote that they had found no reason to believe that the charges were not correct. After more correspondence, they finally agreed to remove the charges. We cancelled the cards, and I thought the matter was closed. Then, we began receiving statements with one of the XXXX charges still on our account. On XX/XX/XXXX, I notified Capital One that this was a disputed account and that the application of late charges and interest was thus illegal. Nevertheless, Capital One continued to apply these charges to our account. I wrote Capital One again on XX/XX/XXXX and on XX/XX/XXXX, reemphasizing that the amounts on my statement are disputed and that Capital One should not apply late charges. Finally, on XX/XX/XXXX, I wrote to request an itemization of any charges due and payable to Capital One. In response I received a form letter telling me that Capital One will not deal with me through written correspondence. In the meantime, they have caused my XXXX to drop XXXX points. I have copies of all correspondence. Their case number XXXX
Consumer complaint received 2020-08-06
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX {$18000.00} DEPTEDXXXX XXXX {$2200.00} DPTEDXXXX XXXX {$3000.00} XXXX XXXX {$750.00} DEPTEDXXXX XXXX {$4500.00} DEPTEDXXXX  XXXX {$6000.00} DEPTEDXXXX XXXX {$3500.00} XXXX XXXX {$5500.00} XXXX XXXX {$3500.00} XXXXNELNET XXXX {$5500.00} XXXX XXXX {$3500.00} DEPTEDXXXX  XXXX {$2000.00} DPTEDXXXX XXXX {$2000.00} DEPTEDXXXX XXXX {$2100.00} DEPTEDXXXX  XXXX {$1500.00}
Consumer complaint received 2023-01-08
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. (NJ)

The problem I'm having is I've contacted Equifax ( via ) phone conversation, letters and through XXXX which is a secured link they sent to me to upload additional information. On XX/XX/2022 I mailed a dispute letter to Equifax asking them to validate the inaccurate items, by producing the original signed contract from all data furnishers and to show the process they take to complete their investigation. I also asked that they not validate any items electronically an addition, I requested that if they didnt verify these items they needed to be deleted immediately, by the rules/ laws mandated by the ( FTC ). The items were things like accounts and inquiries. This is a clear violation of the ( FCRA ) because all items must be validated by the original data furnisher. On XX/XX/2022 I received the results back from Equifax in which they claimed to have verified all of the items I disputed.
Consumer complaint received 2020-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

On XX/XX/XXXX select portfolio servicing collected {$250000.00} from my proceeds of which they were not entitled. It is now Friday and although it was escalated I have not received my funds. The money was wired to them in one day Monday will be FIVE days theyve had MY money.
Consumer complaint received 2023-05-08
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. (VA)

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 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 2020-08-06
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. (AR)

MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. XXXX  XXXX {$380.00}
Consumer complaint received 2020-10-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Recovco Mortgage Management, LLC (CA)

I applied for a refinance in XX/XX/2020. I finally signed the closing documents on XX/XX/XXXX after a very long delay. Was told many times that it will close but had to subsequently make 2 more monthly mortgage payments before I signed on XX/XX/XXXX. It is now XX/XX/XXXX and the loan has not been funded and will now have to pay another mortgage. They do not respond or when they did a few days ago, they said it was funded but no payments have been made to my existing loan holder. The escrow company has been sitting on my funds in the amount of {$5100.00} to this day. This is costing me money and great frustration. There is a lack of execution, professionalism, honesty and execution.
Consumer complaint received 2020-10-02
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: JPMORGAN CHASE & CO. (CA)

Please read this entire thing. 

1. First and foremost, I initiated a dispute with CHASE BANK within the time frame of their discretion on the charges that a ) had no right being placed on my card b ) charges I received nothing for in return. So once again, I initiated the dispute within the time-frame that chase 's conditions require. 

2. Chase bank disputed the WRONG charges. So, yes, Chase bank did process the dispute, but for the incorrect charges. These charges were valid and eventually had to be re-instated. 

3. Chase bank took so long to resolve the issue listed above that by the time the CORRECTIONS WERE MADE it was NOW ( and only now ) past the time-frame in which Chase requires disputes to be made. 

4. When I spoke to the last 10+ reps, they all state " you are past the cut-off for disputes on these transactions. '' None of these reps take the time to look into the reason WHY I a past the time frame. 

5. I have a letter and screen shots from the merchant showing that have even attempted to refund the charges, but between Chase and their merchant service provider, the money is being held somewhere. Not my fault, and not my issue. 

XX/XX/2020 for XXXX XX/XX/2020 for XXXX XX/XX/2020 for XXXX XX/XX/2020 for XXXX XX/XX/2020 for XXXX XX/XX/2020 for XXXX XX/XX/2020 for XXXX XX/XX/2020 for XXXX I have the dates that the other charges were incorrectly disputed which align with being within the appropriate time frame for these disputes ( had Chase bank disputed the correct charges ). 

My attorney had advised me to document this via the CFPB and retain record of any representative that handles this complaint moving forward before we go to court. 

Attached : 1 ). Chase letter denying me for the 10th time. and the charges in question 2 ). Letter from the merchant with screen shots showing his attempt to rectify the transactions
Consumer complaint received 2020-08-06
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. (CA)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. lvnvfunding XXXX {$980.00} XXXX XXXX {$530.00} XXXX  XXXX {$63.00} XXXX  XXXX {$1600.00}
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following personal information is incorrect. Please remove it from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

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.

has violated my rights. Or a 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 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

On XXXX I opened a complain on this site ( Complain # XXXX - report is attached ) because KIA was charging me late fees when I had applied and been approved in a monthly basis for referred payments until XXXX due to the COVID pandemic. By XX/XX/2020 Kia finally responded that they were waiving any late fee I was being charged and apologized for all the inconvenience.

Today I learned that KIA had reported to the Credit Bureau that my account was late for 30 days, impacting negatively to my credit history. 

I am very much mortified for all the inconvenience and headaches KIA Financial has put me through. I had a credit score was outstanding and now it has decreased significantly decreased because of this situation. 

Kia had taken almost TWO months to take care of the prior related issue and it was not even do it right. They have handle this situation very poorly. 

Now I have to waste time, resources again, to have this issue fix. This is not ok. 

I am enclosing the report that was filed and recently closed related to this current issue.
Consumer complaint received 2020-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (CA)

Hi! I had a membership to a fitness club back in XXXX of 2017. I called to cancel the membership on before XX/XX/2017 so that they would not continue to charge my credit card. When they charged me again on XX/XX/XXXX, I spoke to the manager XXXX. I explained to him that I was calling to cancel membership ( again ) because I was visiting out of state family. 

I never heard anything more so I did not foresee a problem. 

Today I received an email from a credit agency trying to collect {$220.00} from me. I called them but they insist I owe this money. 

This fitness center went out of business so there is no one to contact at the fitness club. 

I do not owe this money. This membership was cancelled and they are trying to collect money NOT owed. This was a month to month gym. There was no yearly contract. 

This credit agency is ruining people 's credit. The easiest thing would be for me to pay but this is not right. How many other people are they doing this to. Thank you
Consumer complaint received 2023-05-08
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. (KY)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope this disputed account is updated. 

XXXX XXXX XXXXXXXX Balance : {$27000.00}.
Consumer complaint received 2019-02-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority (NC)

Monthly ( through my mortgage payment ), I pay into an escrow account that is allotted for property taxes and homeowner 's insurance. By law, XXXX ( Alabama Housing Finance Authority ) is required to pay those items ON TIME from the escrow account. 

My annual homeowner 's insurance was due XX/XX/19 ( {$980.00} ). The bill was mailed to XXXX   XX/XX/19. I received a letter from XXXX dated XX/XX/19 that my insurance was expiring and if I didn't send them a new policy showing coverage, that they would purchase expensive insurance for me. 

I checked my mortgage statement, and it shows that there is indeed money in the escrow account to pay for my annual insurance. Why it hasn't been paid, I'm not sure, but this seems to be an ongoing issue with this company based on other complaints I have read. They charge a late fee if a mortgage payment is late - So they should be charged a late fee as well for not paying the insurance on time. 

Please enforce the law and hold this company accountable for its negligence.
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Due to XXXX XXXX i wasn't able to work and make my car payment on time and it was reported to my credit as 30 days late, however i am back to work now and i was able to catch up with my payments, i have documentation that i was XXXX  for 24 days because the virus infected my XXXX causing XXXX and XXXX XXXX XXXX. I tried contacting the XXXX XXXX XXXX XXXX support line to ask about removing 30 days late from my credit report but i could not get any help from them.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX, I identified an unknown charge of {$21.00} to XXXX of my credit cards, under the name " TransUnion. '' I then noticed that this charge had been occurring every month since XXXX, XXXX. On Friday, XX/XX/XXXX, I called the XXXX number associated with that charge in the credit card statement and asked the representative what those charges were for. The company alleges I signed up for a credit monitoring service in XXXX of XXXX. I do not recall ever signing up for this service, nor have I ever used this service. During the call, I asked the company to immediately cancel this " service, '' which the representative agreed to do ( attached is the cancellation confirmation ). After a thorough search of my e-mail and paper receipts, I could not find any records of an agreement or enrollment ( attached is a screenshot of the results of searching " 'transunion XXXX credit monitoring '' on my XXXX XXXX. I believe I was deceived into enrolling or otherwise improperly charged for this service. An internet search has revealed hundreds of similar reports from consumers who have faced a similar problem with this company and " service. ''
Consumer complaint received 2023-06-30
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. (FL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2023-05-08
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. (MD)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-10-02
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. (CA)

I had reported my credit with XXXX XXXX that my car payment owed was down to {$2000.00} and my score was adjusted. Recently my score changed 29 points and Transunion is still reporting that I owe {$5800.00} which they just sent me a report which it says. I have reached out to XXXX XXXX XXXX at XXXX and the balance is {$2000.00}. Transunion says they have no updates to this yet I have a reciept and verified account info.
Consumer complaint received 2023-05-08
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. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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. 

XXXX : XXXX # XXXX XXXX : XXXX  XXXX # XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX # XXXX XXXX : XXXX XXXX  # XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX : XXXX XXXX XXXX # XXXX XXXX : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX : XXXX XXXX, XXXX # XXXX XXXX : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX : XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-05-08
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. (NC)

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 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 2020-10-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (MD)

Midland Credit Management continues and has violated my rights via phone and mail under section 15 US 1692 under the Fair Debt Practices Act. I have enclosed an invoice in the amount of {$3000.00} to be paid via check for 3 violations. I have included my affidavit of truth along with the exhibits that highlights these violations. I also have sent this affivdavit of truth along with invoice via certified mail to Midland Credit Management. This has caused me mental and physical distress. The certified return receipt was received on XX/XX/XXXX at XXXX.
Consumer complaint received 2020-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

On XX/XX/XXXX, I attempted to contact Equifax to temporarily unfreeze my credit file so XXXX XXXX  can review my credit file so I may apply for a {$100000.00} Personal Line of Credit. I was unable to access MyEquifax.com and was instructed total XXXX XXXX Note : I called 5 other telephone numbers : XXXX ; XXXX ; XXXX ; XXXX ; and XXXX all to no avail. I called and answered the automated identification questions and was told that I could not be identified and to either fax or mail in my full name, address and former addresses, drivers license, social security card, date of birth, utility bill and description of my concern. On the same date, I drafter a cover letter memo with all of the above-mentioned requirement and faxed to XXXX ( Note : that on XX/XX/XXXX, I called Equifax and spoke with XXXX, CSR and she said that the fax number was old and gave me fax number XXXX ) so I resent the fax. I also mailed the same information by certified mail return receipt requested. Today XX/XX/XXXX, I received correspondence from Equifax stating We were unable to locate a credit file in out data base with the identification information you provided and that The documents you provided were illegible. All of the documents that I provided were in color very large and clear. The correspondence is also asking me to provide ALL of the identifying documents that I just faxed and mailed. Also on my credit report dated XX/XX/XXXX, my birth date and the town that I reside in is incorrect which may be the issue.