davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My name is XXXX XXXX, I am a XXXX XXXX and XXXX XXXXXXXX and can not go to the branch directly. I am authorized by my son to help me open a capitol one saving account online, together with my husband. Since we are planning to put our retirement savings into the Capitol One savings. However the Capitol one is giving us a really hard time for us to access the opened account by verifying the mobile phone, which belonged to our son and we don't have it under our name. Since we can not access the online account I told my son to call Capitol One to close my account together with my husband, since we don't want to have a relationship with them. But Capitol One told my son I should go to the branch in person to close it, which is impossible for me to do. If I know Capitol one is so hard to deal with I will never ask my son to help me open it online. Now I just want my account in Capitol one to be closed and I don't want a further relationship with them.
Consumer complaint received 2022-07-09
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midwest Recovery Systems (CA)

Midwest Recovery Systems posted on my credit report for a loan opened on XX/XX/XXXX from XXXX XXXX XXXX. No such loan was opened on XX/XX/XXXX.

I contacted XX/XX/XXXX I contacted XXXX XXXX XXXX to confirm that they work with Midwest Recovery Systems but would not answer me.

Same date, contact Midwest Recovery Systems for proof of loan. No response.
Consumer complaint received 2018-08-24
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. (OH)

I have spoken to XXXX XXXX, XXXX, experian and XXXX multiple times last year in XX/XX/2017 and this year. They stated that they would fix the issue and delete the XXXX   credit card off of my credit report permanently, which never happened. It keeps getting reinserted by XXXX credit card because they keep reinserting it with a different credit card number. They used two different credit card numbers so far. I had my wallet stolen from my vehicle and multiple people used my identity, which resulted in a fraudulent XXXX  credit card 's to be open without my consent. I have been dealing with this for over a year. I am very tired of discover doing this to me and the credit bureau 's. I want to get this resolved and off my credit report permanently like XXXX told me they would when I first complained last year in XX/XX/2017. Attached are all the legal supporting documents of my identity theft and the FTC report.
Consumer complaint received 2018-08-24
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. (OH)

I have spoken to XXXX XXXX, transunion, XXXX and XXXX multiple times last year in XX/XX/2017 and this year. They stated that they would fix the issue and delete the XXXX   credit card off of my credit report permanently, which never happened. It keeps getting reinserted by XXXX credit card because they keep reinserting it with a different credit card number. They used two different credit card numbers so far. I had my wallet stolen from my vehicle and multiple people used my identity, which resulted in a fraudulent XXXX credit card 's to be open without my consent. I have been dealing with this for over a year. I am very tired of XXXX doing this to me and the credit bureau 's. I want to get this resolved and off my credit report permanently like transunion told me they would when I first complained last year in XX/XX/2017. Attached are all the legal supporting documents of my identity theft and the FTC report.
Consumer complaint received 2021-04-12
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: Resurgent Capital Services L.P. (IN)

The original creditor closed my credit card then it was turned over to LVNV Funding LLC. I sent the collection agency a letter asking for my signature as proof for contract with them. They failed to provide signature but instead sends me some literature on credit cards with that company. After sending more certified letters to the collection agency I receive letters from another collection agency stating they are collecting also. This has been going back and forth between LVNV and Resurgent Capital Services. 
Always calling my phone and telling me I need take care of this.
Consumer complaint received 2018-08-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

Good afternoon. I have disputed several Medical collections on my credit report and each and every time the information comes back as verified. For starters, I should not have any unresolved medical bills. Furthermore, how are the Credit Bureaus verifying the information? HIPAA laws restrict certain parts of my medical files. My personal medical information can not be released to the Collection Agency without my consent and I dont recall signing an agreement with the Collection Agency. Its it the Credit Bureaus responsibility to verify information before inserting it in my Credit Report. I want this unverified, incorrect information removed immediately for all ( 3 ) Bureaus. The accounts have been highlighted.
Consumer complaint received 2018-08-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Hayt Hayt & Landau, P.L. (FL) (FL)

I had a debt with XXXX XXXX credit card. I was going through hard times in my early XXXX and had to use this card to survive, I was young and naive and didnt know much on how credit works. I am now in my late XXXX and finally financially able to pay this debt off. My account was sold to Hayt & Hayt Landau where I agreed to pay them a monthly amount of {$180.00} on the XXXX of every month since XXXX. I have been paying them since XXXX and I have signed and faxed the settlement documents twice but apparently they have told me they never received the documents even though I had faxed it to them twice. Even though I have been paying them monthly in XXXX they had wanted to take me to court and tried to serve me at my house where I rent a room from, they had given my information to someone else who rents a room from my landlords house I dont really know or talk to this person and they disclosed my personal information to this person. This month of XXXX I had an issue with my debit card and talked to the receptionist asking if I can go to their location and pay on Friday XX/XX/XXXX and she said yes and that they close at XXXX. I drove 1 hour to pay them instead of {$180.00} but {$250.00} and when I arrived at XXXX they were closed. They didnt serve me I have not received documents but they said over the phone I have a court date on the XX/XX/XXXX. All I want to do is pay off this debt that I had accumulated in my early XXXX but I am being harassed by this debt collector.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act the following addresses and phone numbers have violated my rights. 

1. XXXX XXXX XXXX XXXX XXXX, Tx XXXX 2. XXXX XXXX XXXX XXXX, Tx XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Phone numbers : 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX 3. ( XXXX ) XXXX 4. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 15 U.S.C 1681 Section 604 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.
Consumer complaint received 2020-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (MD)

I have spoken to PHH Mortgage Consistently and in XXXX the confirmed that I owe XXXX or close to that number. Now I consistently seeit getting higher. I know there is some definete frayd here. I have to continuosly write CFPB to get changes. If I do not see a reduction in my mortgage to the correct amount I will be forced to resort to obtaining legal resources. I am upset that PHH mortgage, a subsidiary of Ocwen, has not corrected that mortgage company 's flaws. I I DEMAND my mortgage balance amount be corrected.
Consumer complaint received 2018-08-24
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: JPMORGAN CHASE & CO. (TX)

I XX/XX/XXXX I took out a loan against my house I gave them all my paperwork because I had a lawsuit filled against me and my daughters for back pay property taxes. My loan went through and they paid off my taxes. My property taxes were and insurance was to be included in payment.But in XXXX the county of XXXX filled another property lawsuit and I never received notice until they the county of XXXX Texas put up a forclorsure sign for back property taxes owed. I went to the county office and said they had not received property taxes and they were XXXX dollars again I kept telling the bank but they would not listen they were paying the wrong taxes on a different lot. In XXXX J. P Morgan took me to court and I told the judge they would not take my payments because we were under a modification but they kept giving me the run around I let the banks attorney and the judge know about the taxes and the forclorsure the county had on my home. On XX/XX/XXXX the judge in XXXX County denied the expidied forclorsure. Now it is XXXX fillies a lawsuit in civil court in the XXXX District of Texas
Consumer complaint received 2021-03-05
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. (NJ)

On XX/XX/XXXX I disputed negative accounts that were listed on my credit report with XXXX as well as the other bureaus since then there had been two disputes closed out without any information sent to me from XXXX regarding XXXX investigations, the information I submitted for removal has not been addressed and it has been way over 40 days and two full months that Ive been disputing with them.they have failed to remove the negative accounts that were not mines or associated with me and that are on my credit profile.
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

per attached creditor is reporting incorrect account status, payment status, balance and past due amount. It seems to be a game of destruction and irresponsibility to ruin and defame those whom demand correct reporting. XXXX blames USAA and USAA blames XXXX. Both should be shamed ... as none of the information reported is correct. This loan was paid in full nearing five ( 5 ) years prior.
Consumer complaint received 2022-07-09
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. (VA)

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. 
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  va, 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 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 2020-02-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I would like to file a formal complaint against Transunion as I understand the CFPB disputes will not also end up being included in my credit report. 

I understand that the Consumer Finance Protection Bureau ( CFPB ) has administrative oversight over compliance with the credit reporting provisions of the FCRA, including compliance by the credit reporting agencies. 

I chose the word dispute to validate debts on my Transunion credit report on collection accounts. Transunion inserted in the comments Account information disputed by consumer.. I contacted the credit agencies via phone and I explained that it is affecting me negatively and they said they would take it off, but can't guarantee what the bureaus would do. 

I contacted Transunion and asked them to remove the comment. I told Transunion that I never intended to file a dispute with the credit agency when I spoke to their rep, my intention was to contact the original creditor which by law I should be able to contact the original creditor myself but the company information is not provided on any of my credit reports. I made it clear I was disputing with Transunion themselves and was told it'll be deleted via phone in 24-72 hours. This has still not happened.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I recently sent XXXX, Equifax, And XXXX Disputes and Neither of them responded to my request which forced me to send them a 30 day demand to comply and they have not still shown any acknowledgment of me contacting them I have attached the letters I recently sent to the companies for reporting inaccurate information in my credit report and not removing the inaccurate information.
Consumer complaint received 2022-07-25
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. (GA)

Upon reviewing my reports, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified inquiry without providing any proof required by law. TransUnion has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiry is inaccurate & I never authorized for my credit to be accessed. TransUnion has failed to provide me with the written authorization or remove this inquiry from my credit file. 
XXXX XXXXXX/XX/2021
Consumer complaint received 2021-04-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (PA)

So, I NEVER knew that my monthly payment was {$490.00} until this XX/XX/2020 payment that was reported late, based on my contract with XXXX my bi-weekly payments are {$220.00}, based on the number of payments due and the amount of money I have payed this company up until XX/XX/2020, I was in belief that I was ahead and the micro payments were maintaining my account. This contract is set up for the listed monthly payments to never be made in full on a monthly basis, its structured to fail its customers, to fulfill the listed monthly payment amount my biweekly payments should have been {$240.00}.
Consumer complaint received 2018-08-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (PA)

As directed by XXXX XXXX  and XXXX XXXX ( contact departments, name and numbers available upon request ) XXXX I have been directed to submit this complaint regard the most recent questionable/criminal activity by JP Morgan Chase / Chase Home Finance / Chase Manhattan Mortgage Company 1. JP Morgan Chase / Chase Home Finance / Chase Manhattan Mortgage Company has/is submitting fraudulent/misleading information to Local, State ( Pennsylvania ), Federal agencies and Court Administrations - Commonwealth of Pennsylvania XXXX, XXXX  County, PA, - Superior Court of Pennsylvania, Appeals Court, Philadelphia, PA, - United States Bankruptcy Court, XXXX  District of Pennsylvania, XXXX, PA ( Note : Fraud on the court has/is taking place by JP Morgan Chase / Chase Home Finance / Chase Manhattan Mortgage Company and its legal representatives ) JP Morgan Chase / Chase Home Finance / Chase Manhattan Mortgage Company has/is submitting fraudulent/misleading information to borrower a Veterans Home Loan recipient in writing and by telephone calls JP Morgan Chase / Chase Home Finance / Chase Manhattan Mortgage Company has/is continuing to distribute inaccurate/misleading/fraudulent mortgage account, mortgage servicing, financial transaction records, mortgage investor information, Veterans Home Loan underwriting and origination requirements ( insurance riders/policies ( disability, mortgage ( pmi ), flood, homeowners ) and escrow requirements Local, State, and Federal law enforcement has been notified and evidence has been submitted A few documents are attached to this complaint Suggest CFPB review documents and complaints submitted prior to this Additional documents, witnesses, and recordings are available upon request If there are any questions or concerns contact complainant
Consumer complaint received 2018-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (KS)

On XX/XX/2018, I relieved a letter from XXXX XXXX XXXX XXXX ( sent from XXXX XXXX XXXX XXXX, MA XXXX ). This letter was addressed to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX. I am XXXX XXXX   XXXX  at the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  KS XXXX. The letter stated that XXXX XXXX XXXX owes {$780.00} to XXXX XXXX   ( no further information given ). I have never held an account of any type with XXXX XXXX and no such debt is reported on my credit report. The letter states that the debt can be settled for 50 % of its total value at {$390.00}. The letter states that it's required to say : " This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. '' The letter directs you to their call center : XXXX  or to their " self-service '' website at XXXX. At the self-service website, payment options include check, credit/debit card, and payment plans. I did not enter any requested info into the website above as I suspect it may be a phishing scam on top fraudulent debt claims.
Consumer complaint received 2018-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION (TX)

My elderly father and his wife have health issues and are no longer able to manage there financial affairs.

I went to BBVA Compass on XX/XX/XXXX with him so i could also be assigned to his checking account. Once i looked at his account, i noticed a monthly charge of approx {$80.00}. on XX/XX/XXXX I inquired about this and BBVA said they have overdraft protection and they owe {$1900.00}. I also asked how much interest BBVA charges and they said it's 21 % APR.

I asked my parents and they had no idea they 1 ) owed {$1900.00} ( no where on their bill does it show this outstanding balance and 2 ) they have no idea they were paying 21 % which seems to be a hefty and unnecessary charge.

After going into a Compass Bank branch in XXXX on XX/XX/XXXX @ XXXX to ask about waiving the finance charge, the teller said i had to call. after more than an hour explaining my plight, they said they were unable to rectify my problem without first paying the entire {$1900.00} so they could close the account. I reiterated my problem wasn't with paying the principle but the interest. They said they could connect me to my branch and they can take care of it. I was transferred to XXXX XXXX XXXX XXXX TX XXXX location and they told me i must come in to their branch ( which is over 45 minutes away ).

They have been charged {$540.00} in interest in XX/XX/XXXX and {$260.00} in XX/XX/XXXX. I only want the interest charge waived and I will pay the principle. My parents have been getting charged by BBVA for over 10 years @ 21 % interest without knowing and dare i say, being told they are being charged this high of an interest rate.