davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I filing this complaint in dispute of a late fee that was applied to my Kohl 's account in error. I have NEVER been late on this account or any account for that matter. I initially disputed this in XXXX, contacted all 3 credit bureaus and the matter was resolved. Now I received another late fee in error. On XX/XX/XXXX I received a late fee of {$29.00}, I made a payment online on XX/XX/23 for {$190.00} after trying many times through the automated system to make a payment with no prevail. The payment was reversed without being notified. I was not aware of this happening until I received an alert of my credit scores dropping and saw another late fee applied on XX/XX/23. I contacted Kohl 's several times and talked to many customer service reps and supervisors for days, XXXX I made a payment of {$190.00} and {$80.00} of late fees were adjusted off of the account as well as the late payment remark. During this time I opened disputes with all 3 credit bureaus to have the late payment removed from my account since the late payment and chargers were removed from Kohl 's account. This was resolved and my score returned to normal with all 3 bureaus. I had a credit of {$35.00} on my account and no payments owed. Now another late payment was reported for the same issue that was resolved the previous month.
Consumer complaint received 2023-03-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (NY)

COLLECTIONS / CHARGED OFF ACCOUNT REPORT NEGATIVELY TO MY ACCOUNT
THEY RESONDED BUT DIDNOT REMOVE NEGATIVE INCORRECT INFORMATION.

CREDIT BUREAUS STATED THEY DID AN INVESTIGATION BUT HOW I THAT POSSIBLE WHEN THE OPEN DATE THE DATE LAST ACTIVE AND DATE LAST REPORTED IS NOT ACCURATE THIS IS GROUND FOR REMOVAL . THEY ALSO VIOLATED MY RIGHTS UNDER 15 U..C 1681 ECTION 604 A SECTION2:THE LAW CLEARLY STATES CREDIT CREDIT CANT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS
I HAVE NOT GIVEN THESE BUREAS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL c
Consumer complaint received 2022-05-01
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: Experian Information Solutions Inc. (TX)

Pursuant to the Fair Credit Reporting Act U.S. Code 1681s-2, you ( EXPERIAN ) have a duty to provide accurate information, and you are prohibited from reporting information with actual knowledge of errors,. I, the consumer, have notified you ( EXPERIAN ) about the erroneous reporting via the following : certified mail on XX/XX/2022, via CFPB Report # XXXX on XX/XX/2022, via FTC Report # XXXX and via CFPB report # XXXX on XX/XX/2022. You are electing to continue to violate my consumer rights. 



Pursuant to FCRA U.S. Code 1681e ( b ) -you are out of compliance due to inaccurate reporting Pursuant to FCRA U.S. Code 1681s-2- the information is in accurate Pursuant to the FCRA U.S. Code 1692e- the information is false and misleading Pursuant to FCRA U.S. Code 1681b-I did not give written permission to furnish this information
Consumer complaint received 2022-01-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (TX)

I sent a letter to the company multiple times regarding the dept. The last response I got from them they sent me back a copy of the XXXXl treatment I got that day. I read that it was illegal and that they are in violation for sending information about the treatment I got. WHEN I sent them a letter saying that they were in violation. They never responded.
Consumer complaint received 2020-01-27
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. (TN)

I mailed in dispute letters to the three credit agencies Equifax, XXXX, and XXXX  to have them make the necessary corrections to my credit reports. I mailed the dispute letters on XX/XX/2019 and I have not received a response from them yet.
Consumer complaint received 2020-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I mailed in dispute letters to the three credit agencies XXXX, TransUnion, and XXXX  to have them make the necessary corrections to my credit reports. I mailed the dispute letters on XX/XX/2019 and I have not received a response from them yet.
Consumer complaint received 2022-01-15
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. (CA)

My credit report went down recently due to an unknown XXXX account being listed on my credit report as an authorized user. When trying to contact XXXX they won't give me any account information or take me off even when I try to verify my identity. I tried disputing it, but It was not resolved in my favor and the account is still on my report lowering my score.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (IN)

I purchased a debit card and put {$400.00} on it. I have been on your web site for 3 hours trying to register my card on you web site!!! Your web site keeps telling me to try again, again and again. I am truly frustated!!!!!! I have NEVER BEEN ON SUCH A XXXX WEB SITE!!!! HELP!!!!!!!!!!!!
Consumer complaint received 2018-02-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RSI Enterprises, Inc. (AZ)

This " company '' has been calling my home for months, using various numbers, leaving messages saying that someone here ( no name provided ) owes money and it's an attempt to collect a debt. They claim to be from RSI Enterprises. My husband and I have made repeated attempts to contact them and have either been put on hold immediately upon answering and left on hold for up to an hour before we hung up or the calls disconnect as soon as answered or they say to leave a message, which we will not because we don't want to fuel the fire. As far as we know, we do not owe anyone money for anything. We have received NO correspondence from anyone stating otherwise. It seems that after nearly a year, we would have been turned over to a collection agency that would provide a letter or it would be put on our credit and nothing of the sort has happened. I would like them to STOP calling me if they have no intention of stating what the matter is or sending me a letter to tell me rather than play games with me.
Consumer complaint received 2021-11-30
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Upgrade, Inc. (NV)

I made a payment to payoff the loan on XX/XX/21 as there is an option under the make a XXXX time payment for additional principal payments and payoff quotes. I paid what the amount was. I went back to check the account on XX/XX/21 and it showed I had a balance. I called the office and spoke with a representative who told me payoffs could not be paid online although the option was there. So I made the final payment with interest included with the representative over the phone and was assured the payment would process and Id have a XXXX balance. I checked the account once more and its now showing I have a balance due of {$1.00} and to payoff would be {$1.00}. I have called and emailed to have the situation resolved with no success. The company is practicing in deceptive tactics to continuously receive extra payments for errors in their payment processing.
Consumer complaint received 2021-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I recently received my " annual escrow account disclosure statement account history '' document dated XX/XX/XXXX for the escrow period from XX/XX/XXXX through XX/XX/XXXX. 

I recently reviewed the document and noticed that my payment for the month of XX/XX/XXXX is not incldued in the past payments history for payments to escrow. I made the payment and the statement indicates a payment in the amount of {$260.00} was credited to escrow in that month. It is not clear in any mortgage statement related to this account, from XX/XX/XXXX through today, that the XX/XX/XXXX escrow payment was reversed or where it may have went. 

In addition, the amount anticipated owing to County of XXXX taxing authorites for property taxes is incorrect. The amount to be paid no later XX/XX/XXXX and following is {$1300.00}. You ( and I ) were notified of this increase prior to your preparation of the current escrow disclosure statement and it should be reflected in the anticipated payments section of th disclosure document.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-11-30
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. (FL)

Ive sent multiple letters and FTC Reports to XXXX Trans Union and XXXX. All three refused to investigate my claim. Ive told them Ive been a victim of identity theft. They keep saying they verified it. But Ive havent seen anything in writing. The following accounts are All fraudulent. Ive never done business with these companies or entered into a written contract. 
XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Account # XXXX
Consumer complaint received 2021-10-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

Both medical Collection companies have Violated my HIPAA RIGHTS. I did not sign a HIPAA form for this collections companies to access my medical records! This is a Violation XXXX XXXX XXXX XXXX XXXX And FIRST FEDERAL CREDIT CONTROl.
Consumer complaint received 2019-08-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I have been trying to ask them to lower the outrages monthly loan amount they expect me to be able to pay. 
The interest on this loan is SO high I will never be able to pay it back! 
An original loan of {$10000.00} I now owe {$50000.00} or more ... 
Ive never been able to pay the CRAZY monthly amounts they have asked for!
Consumer complaint received 2021-07-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (PA)

Chase fraud department called me claiming that I need to call them back, call originated from XXXX to call back XXXX and give the reference number XXXX Both numbers state chase is presently closed both numbers come back as chase numbers and now chase is denying these numbers are theres I have no chase accounts.
Consumer complaint received 2021-07-07
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: MiraMed Revenue Group LLC (FL)

XX/XX/2021 I checked my credit report and it has been brought to my attention that Miramed Revenue Group , LLC has 2 negative remarks on my report of {$120.00} and {$120.00}. The total debt they are claiming that I owe them is {$250.00} ( see neg_remark.jpg ). On XX/XX/2021 I mailed Miramed Revenue Group , LLC a registered letter via certified mail, requiring a signature of receipt, requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. In short, I asked them to validate the debt they claimed I owed them and if they could not validate the debt they must request that all credit reporting agencies delete the entry ( see Miramed_validation_letter.pdf ). I mailed Miramed Revenue Group , LLC the registered letter to its listed address on XXXX and from their main website and I have yet to receive a response. The registered letter was sent by Certified Mail via USPS ( see certified_mail_receipts.jpg ). These letters are tracked and they show that they have been delivered, signed for, and received by a Miramed Revenue Group representative. It has been over 30 days and I have yet to receive any response from Miramed Revenue Group.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (NJ)

I hired Lexington Law for credit repair on XX/XX/XXXX, XXXX their service was terminated XX/XX/2021. 
I paid them {$55.00}. 
I asked them to cancel service because they did not provide me with copies of letters that they claimed to have sent out on my behalf. I had to argue with the paralegal -she refused to allow me to speak with a supervisor. When she refused to provide copies of what was allegedly sent on my behalf and refused to allow me to speak with a supervisor, I terminated their services. 
I received an email stating I would have access to my client portal for 60 days. They then shut down my access to the client portal. 
I was not seeing anything happening to indicate that Lexington Law had actually done any work ; they refused to speak with me. I filed a complaint with the XXXX  and today they sent me copies of what they allegedly sent on my behalf. 
Instead of mailing the letters so that I would not give up any of my rights -these lawyers filed disputes and challenges electronically. Their proof of work performed does not indicate beyond a reasonable doubt that they filed anything at all on my behalf.
Consumer complaint received 2021-07-06
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I have submitted a dispute with experian credit bureau 3 times about a false claim on my credit report of a car repossession. It is with the company XXXX XXXX XXXX. Their address is XXXX XXXX XXXX, XXXX XXXX XXXX ma XXXX. I have never taken out a loan for a vehicle in my life and have only leased my cars. I called XXXX XXXX XXXX personally and gave them my name and my date of birth and they told me that they have no one in their record with MY NAME and MY BIRTHDATE. So that obviously means it is not me in that repossession and it should not be on my credit report. This is impacting my credit score but it seems everyone that works at experian credit bureau does not know how to do their job correctly. So I am filing a complaint towards them.
Consumer complaint received 2021-07-07
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: AMERICAN EXPRESS COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with FCRA XXXX XXXX has violated my rights. 

15 U.S.C. 1681section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 reason.
Consumer complaint received 2020-01-28
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: BROKER SOLUTIONS, INC. (CA)

It all started with my interest to refinance my mortgage with NEW AMERICAN FUNDING ( NAF ) in XX/XX/2019 but just died when my Sr Loan Officer, Ms XXXX XXXX no longer responded to my inquiry regarding my mortgage insurance. Then on XX/XX/2019, I got a credit alert that NEW AMERICAN FUNDING ( NAF ) and XXXX XXXX processed hard inquiries without my knowledge or approval. This has affected my credit score! I immediately sent out an email to NAF Sr Loan Specialist, XXXX XXXX, the manager of Ms XXXX, to help me understand why I got these inquiries as I never gave authorization to pull my credit report. She NEVER responded. On XX/XX/2019, I then called NAF Customer Service and was referred to CS Specialist XXXX XXXX, for assistance. I forwarded all supporting documents to help with his investigation ( see attached ) thru email. Despite all the supporting documents forwarded to Mr XXXX and my repeated follow up on the status of my case, on XX/XX/2019, Mr XXXX finally responded only to verify if my main concern was due to the recent inquiry that occurred on XXXX. Very disappointedly, I responded on the same day, repeating as to why I am reaching out to them is because I am disputing the hard credit inquiries they posted without my approval. On XX/XX/2019 I received a call from NAF Sr Loan Specialist XXXX XXXX and she CONFIRMED SHE MADE AN ERROR WITH HER INQUIRIES. I asked Ms XXXX to remove the error immediately and she acknowledged. The next day, XX/XX/2019, I emailed Mr XXXX to follow up and ensure that Ms XXXX will FULFILL HER COMMITMENT TO REMOVE THE INQUIRIES. After several follow up, I kept receiving the same responses from Mr XXXX that they will contact XXXX XXXX to have the hard inquiry removed. To this date, I still have not received any confirmation that my request has been completed. They admitted the error but no correction is being done despite my repeated follow-up request.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NH)

I applied and was approved for a credit card with home shopping which uses synchrony bank. I put in a dispute for charges on product I did not receive. They then reported me as late. Ive called them over and over to get this taken care of already. But? Every time I called I was given the same run around. I finally paid the bill to avoid running into a credit reporting issue. I had a statement from them showing I paid twice but they wanted me to prove it. So their statement showed my payments they wanted documentation showing HOW I paid them. They put late payment on my report. Then they showed my account closed several times. Their actions have taken my scores down from the XXXX to the XXXX. I ordered credit reports from all three agencys trying to get to the bottom of it. Im a former XXXX XXXX XXXX  and always tracking my scores. Were trying to buy a new house and now my rates are a mess. Someone needs to hold this bank accountable. Can you help me? Im out of options. This is absolutely unfair business practices.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NY)

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2013 with an amount of {$12000.00}
Consumer complaint received 2018-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (HI)

We had an account with American express and was in a good relationship with them, however, as of XX/XX/18 monthly minimum payment has increases from $ XXXX-XXXX a month to almost {$300.00} and this after a request to inquiry in why monthly payment was so high and to adjust or correct. 

I have gotten no response and would like to inquiry.