davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX I am writing to file a formal complaint on noted company due to the fact I have been making payments religiously on my Capitol One account .. I had payment arrangments via XXXX XXXX XXXX XXXX XXXX company. My payments were sent on time each month. I contacted XXXX XXXX XXXX today and they stated my final payment was sent on XX/XX/XXXX which means this account has been paid in full. Capitol One immediately turned around and reported to the Credit bureaus that I had the following late history. -- Worst payment status 120-149 Days Late Times 30/60/90 days late XX/XX/XXXX I contacted Capitol One today to try and resolve the matter. They stated I needed to go through the dispute process. I currently have a dispute on this company regarding reporting ; so could not readily file another dispute unless bia mail. 

I am currently in the process of appyling for a mortage and was working diligently on repairing my credit. This recent report in the middle of my credit filing caused my current credit score to drop 114 points causing me to possibly lose approval for housing. They are incorrect in this filing in so much I was never late like this and it is not fair for them to file this status on my credit report.
Consumer complaint received 2022-04-01
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. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ECMC GROUP, INC. (FL)

I received correspondence from ECMC via email regarding a 2004 student loan in the amount of {$420.00} with instructions to reply to the email in order to prevent the loan from going into default status. I replied to the email each time it was sent but did not receive a response. It turns out that their instructions were incorrect and that no one at ECMC was monitoring that mailbox.

The loan was subsequently placed into default and I was instructed to make 9 consecutive payments in a 10 month period so that the loan would be returned to " good standing. '' I made the required loan rehab payments and then proceeded to pay off the loan balance. ECMC then informed me that the loan would remain in default status because I had not submitted paperwork regarding the loan rehab. 

A loan rep had sent me invalid links to sign documents electronically. I requested proper links for documents several times but received no response. 

My credit report still reflects a defaulted loan and ECMC either does not reply to my requests for correction or replies with a form letter that is unrelated to my request This has caused me irreparable financial harm.
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BB&T CORPORATION (FL)

On XX/XX/2017 I went to BB & T bank to open a new checking account. I asked numerous times throughout the process while opening an account they did a HARD credit inquiry. I was told over and over that they do not perform a HARD inquiry and to stay rest assured if one did show up I could come back and have it removed. 

I ended up opening the checking account. A month later, I checked my credit report and sure enough on XXXX it says HARD INQUIRY " Bb & t Inquiry from XX/XX/2017 ''. 

I went back to the Manager of this bank and he said it should not have happened and they would investigate and someone would call me back. I did receive a phone call back from one of their departments and they told me there is nothing I can do about it. 

I never signed anything for them to do a hard inquiry and was lied to. This is a deceptive business practice. I would have never opened an account with BB & T if I knew there was a hard inquiry. They knew this as i made it very clear by asking multiple times if I would get a hard hit on my credit report. And I was lied to. 

I want this unauthorized inquiry removed from my credit report. 

I also would like to see BB & T issue a training memo to anyone employee that can open a checking account that requires them to inform customers that a hard credit inquiry will happen if this type of account is opened. And a disclosure form should be given to the customer explaining what this means. 

My ultimate goal is for BB & T to admit they were wrong and I was lied to. Take responsibility and remove my hard credit inquiry from my Credit reports.
Consumer complaint received 2020-05-08
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. (TX)

XXXX  ; Experian and XXXX  are reporting incorrectly a current balance of {$20000.00}, as well as reporting that I am ( 120 ) days late on the OAG CHILD SU/OFFICE OF THE ATTY GEN partial account number XXXX. ( Please see page attached from my credit report. ) This account is current and needs to report a {$0.00} balance. There were never any late payments. All scheduled monthly payments were made on time. The child support was recently modified and there is no current order. I have attached a copy ( 1 ) Child Support Review Order ; ( 2 ) Current Child Support modification, and ( 3 ) Child Support Judgment ( Release ). This incorrect reporting of an account with a balance due and lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  ; XXXX  and Transunion are reporting incorrectly a current balance of {$20000.00}, as well as reporting that I am ( 120 ) days late on the OAG CHILD SU/OFFICE OF THE ATTY GEN partial account number XXXX. ( Please see page attached from my credit report. ) This account is current and needs to report a {$0.00} balance. There were never any late payments. All scheduled monthly payments were made on time. The child support was recently modified and there is no current order. I have attached a copy ( 1 ) Child Support Review Order ; ( 2 ) Current Child Support modification, and ( 3 ) Child Support Judgment ( Release ). This incorrect reporting of an account with a balance due and lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-04-26
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. (FL)

I have written to XXXX three times requesting proof that that I was late in XX/XX/2019. All they do is to write me and say that I was late. That is not sufficient proof. They should be providing copies of every monthly statement showing that I was in fact late ... just like they would have to do if they were going to Court to prove up their case.
Consumer complaint received 2017-12-07
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. (TX)

Equifax has my current address correct, but my previous address wrong. In order to check status of any dispute with them. you have to supply both current and previous address ( if you have moved in the last 2 years. ) I have tried to get this fixed many times. Once, they instructed me to fax many forms of personal ID to a fax location open to all employees. I refused, as they have a poor record with data security. I was able to find the bad address through their " XXXX '' program that they have to offer due to their data breaches, though that data has been erased now. The address was in North Dakota and when I search on the address, I found that the address is a PO box for a bank credit card. Surely, even Equifax would know that I have never lived there. I have given them the correct data, but they will not fix it. What can I do?
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - 1964 XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2021-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have sent out letters on two separate occasions back to back on XX/XX/2020 and XX/XX/2020. Here it is XXXX and I have yet to get a response. What is going ton? this is against the law and willful non compliance. I want these items deleted per the FCRA. Im not no lawyer and im not about to quote all that legal jargon in this complaint. However I want this stuff removed immediately. Are you blatantly aiming at me and trying to take me out? What is going on.
Consumer complaint received 2017-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (VA)

I have had a XXXX XXXX XXXX XXXX credit card since the late XX/XX/XXXX/early XX/XX/XXXX having originally received an APR rate of ( if I recall ) 6.99 % given my excellent credit rating & payment history. Over the years, this APR has  gradually increased to its present APR of 8.24 %. I received a mailed notice that, as of XX/XX/XXXX, my APR is being increased to 13.24 %, an increase of 5 % points or approximately 60 % increase! When I called XXXX XXXXXXXX XXXX customer service, as well as their Retention/Loyalty division, I was advised that my credit rating & payment history remain excellent ; that there is nothing negative in my file that would cause the increase. The phone rep noted that XXXX XXXX has been " reviewing all lower APR customers '' & " bringing them up to the current APR rate charged to other newer clients ''. The phone rep said he has been getting a number of calls from longstanding, excellent cards holders complaining of these huge increases. I asked if I was being penalized for not having as much usage on my card this past year [ since I had a newer, 0 % APR Chase Freedom XXXX card that I had been using but, since this attractive rate is now completed, have returned to my XXXX XXXX XXXX card use again. I asked XXXX XXXX XXXX to reduce the upcoming increased rate to a reasonable % increase ; I was told my upcoming rate of 13.24 % APR is " still a better rate than our new clients get & also means your excellent credit allowed you to till get a better rate than some other long-term clients are going to receive ''. The phone rep also noted I tend to pay most, if not all, of my monthly balance off so, historically, have paid little interest [ a point I feel has NOTHING to do with the principle of the matter which is a credit card company ripping off excellent clients ]. THIS IS A RIDICULOUS INCREASE AT ONE TIME for a client with EXCELLENT credit history, FICO score, etc. How in the world is Chase allowed to justify this & do this -- a 60 % INCREASE OVERNIGHT for no reason other than they wish to make more money from longstanding cardholders. I wish to lodge a formal complaint & have your bureau investigate this action by Chase [ & no doubt, many card companies who have longstanding clients that pay very attractive APR rates ].
Consumer complaint received 2017-12-07
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. (SC)

My credit was pulled by my loan officer for a mortgage application on XX/XX/XXXX. My loan officer notified me of a collection being reported by XXXX XXXX that I was unaware of. The loan officer notified me I would have to contact Midland to resolve this issue. 

I called Midland and was told the account number I have was incorrect ( they changed the number when they acquired the debt from the original credit card company-XXXX XXXX ) they found it by entering my social security number and then notified me that as of the day the credit was pulled, XX/XX/XXXX, this is " being serviced by XXXX and I would have to call them, provided me a phone number and hung up on me. 

I contacted XXXX and was told they just acquired it and it would take up to two weeks to " load it into their system- I would have to call back ''. I have tried for a week to obtain the information to pay this debt and have been unable to talk to anyone who can or will assist and take my payment. 

I offered to pay Midland in another subsequent call, as Midland is the company reporting the collection on my credit report. They said NO, I have to deal with and pay XXXX, even though XXXX is not the company reporting this on my credit report. 

As of the filing of this complaint, this remains unresolved as they say they have no clue who I am or what I am trying to take care of, I am stuck calling them waiting for them to decide to cooperate and let me pay this. I am very frustrated. 

While searching the internet about XXXX I found something indicating there is a class action lawsuit against XXXX.
Consumer complaint received 2018-06-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

My name is XXXX n i have a checking acountt with hsbc.. i got debit and credit card both.. but i never knew that one mistake i made n which is very badly hustling me.. beacuse i m saying it, if i knew i would have never done that, cz i have a good transaction sith hsbc., Scenerio ... 
On of my friend advise me to do online survey.. i did to be honest.. and i got a check from them too.. i dont remember the company name but i got it USPS service at my home address.. n when i received thst i was happy n excited.. n also i never knew or know ehst is fake check n what is good check :. So i deposited thise checks in my account .. if i knew yhat the check eas fake.. i would never do that.. even when i saw that deposited has made, i promise i havnt spent a single XXXX from that deposite.. and so on.. i promise if i knew i would have never done that. So next day when i sit to make a payment for my husband, i saw that my card was block and my account was suspended.. so i called the bank in the main time n they told me that something fraud related happen so they r connnection me to them, more than 30/35 mins til todays date i call them but no respont.. after than inwent to bank n talk with a represtator, n she explain me .. what actually happen plz help me now with this.. plz its a request ...
Consumer complaint received 2015-06-17
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Michael J. Scott, PC (TX)

Scott, Parnell & Associates XXXX attempted to collect {$2400.00} and then sued me for this amount in small claims court. Then they offered to settle with me for {$2500.00}. At trial, they tried to collect {$2400.00}. They clearly violated the FDCPA and the Texas Finance Code by attempting to collect different amounts. Plus their actions, as attorneys, violated the statues by not paying attention to the lawsuit they filed against me.
Consumer complaint received 2024-02-27
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: CLGF Holdco 1, LLC (KY)

I noticed on my credit report that there were two 30 days late reporting for the month of XXXX and XX/XX/year>. However, I was not late in either of those months. I reached out to the company and advised of this I spoke to several representatives and their supervisors trying to get this resolved. I spoke to supervisors who acknowledged that my report should not be reflecting late, but my report was never updated. Cases were created, but I never received responses. My credit report has been extremely affected by the late payments.
Consumer complaint received 2017-12-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

I contacted XXXX XXXX XXXX on multiple ocassions. I have repeatedly told them this is not a personal debt it is a debt covered by Workers compensation because it was a result of an injury from work. Ive provided them with the correct information for them to bill Workers Compensation but they are refusing to bill. Ive called the office where the services were rendered to me and they said in their system workers compensation did cover that bill. I dont know why they keep putting it on my credit ... its starting to upset me the bill has been paid and Im tired of seeing them put it on my credit
Consumer complaint received 2017-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Contacted Capital One Credit on XXXX XXXX, 2017 regarding denying my access to online banking account to pay my credit card bill. I tried to access my credit card account with the same user id and the same password as I have always used and was denied further access to look at my credit card account information unless I provided my income information and employment status to the company. After calling the company and speaking to a representative and an IT technician I was told that I must provide this information in order to have access to my online account to pay bills. I was never notified by Capital One of this policy change and that unless I provide such information to them I would no longer be able to pay my credit card bill online in the future. As I was told the information is needed for security purposes and identity purposes.
Consumer complaint received 2022-04-01
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. (FL)

ln accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

I have contacted the creditors and Equifax numerous times via phone mail online about these fraudulent inquiries on my credit report : Equifax -XXXX  , XXXX XXXX, XXXX /mail, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX , XXXX, & XXXX. These inquiries are affecting my credit score. Please have these removed ASAP as I did not authorize them.
Consumer complaint received 2017-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (NC)

I have tried several times reaching out to XXXX XXXX in regards to a debt I do not owe. They are not abiding by the law and have disregarded all interaction with this consumers. I have filed a Better Business Bureau complaint, FTC complaint against XXXX XXXX   for trying to collect on a debt that was paid by them to the oringinal creditor. There is nothing in the oringinal creditor lease agreement saids I have to pay XXXX XXXX a dime and I would like this alledge debt remove from all three credit bureaus. If this matter is not settle I am willing to proceed of filing a complaint against XXXX XXXX with the Attorney General office and start a class action lawsuit. All I want is for this alledge debt to be remove from all three credit bureaus. Hunter Warfield has no ground in the state of NC and I will not be bullied and harass about a debt I do not owe. Like I said before I do not have a contract with XXXX XXXX XXXX they need to send the agreement back to the oringinal creditor will not pay an alledge debt that has already been paid. I have asked several times for validation and XXXX XXXX did not provide all recommend documentation that was requested therefore this alledge debt needs to be remove it has been going on 45 days since I have asked for validation and this is unprofessional.
Consumer complaint received 2021-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (AZ)

I received an email notification from XXXX that on XXXX, a Collections of {$91.00} from XXXX XXXX XXXX , XXXX ( XXXX Account XXXX ) was posted to all three credit reporting agencies. The debt was originally from XXXX XXXX XXXX. I've never lived at XXXX XXXX apartments and I'm a victim of identity theft. I've faxed ( XXXX ) and mailed ( XXXX. XXXX XXXX, XXXX, GA, XXXX ) copies of the police report, driver 's license, social security card, XXXX, utility bill, and rental agreement, to Equifax 's fraud department. XXXX disputes have been filed ( XXXX, XXXX, XXXX, XXXX ), and I've spoken to representatives XXXX on XXXX and XXXX on XXXX, and the Collections is still on my credit report. I've even filed with the XXXX, and it didn't resolve the issue.