davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-29
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. (IL)

I have contacted Experian and explained that I have NEVER applied for anything using my credit report. I have explained numerous times that the accounts for XXXX XXXX XXXX {$400.00}, XXXX XXXX {$1000.00}, XXXX XXXX {$200.00}, XXXX XXXX {$7300.00}, XXXX XXXX XXXX  does not belong to me. These are not my accounts and I have not received anything from these companies. I have been a victim of identity theft and these accounts were opened as a result of fraud!!!!!!! The address information used to get these accounts I have never lived at which are XXXX XXXX, XXXX XXXX, and XXXX XXXX in XXXX, IL. The only address that I have lived at my entire life is XXXX XXXX XXXX XXXX, IL XXXX. Please remove this information because I have not applied for these accounts and I have not received anything from these companies.
Consumer complaint received 2018-06-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: U.S. BANCORP (WI)

They are calling my work saying I owe money I do not. They are threatening legal action talking to co-workers and leaving messages on my work phone telling me to contact this other firm because I am going to go to jail. I asked him to stop and not threaten me and he said I do not tell him what to do. He then asked me to transfer him to my boss. They called my work 4 times in the matter of minutes.
Consumer complaint received 2022-09-11
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. (AL)

I have reached out to XXXX company on numerous occasions to try to resolve this fraudulent account that has already been removed from XXXX XXXX Report. The account are violating multiple FCRA laws. Such as 15 USC 1681 ( b ), 15 USC 1681e ( b ) and 15 USC 1681.
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

Today, XX/XX/2020 I called XXXX to dispute the charge of {$1000.00} that this company, ( COMPLETE PAYMENT RECOVERY SERVICES, INC-XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX Florida XXXX ) was attempting to collect from me. 

According to Ms. XXXX XXXX, she would be sending me the copy of check # XXXX that I wrote from XXXX XXXX XXXX  to a Church in the amount of {$1000.00} which was supposedly cashed at a local XXXX # XXXX in XXXX Texas on XX/XX/2020. 

I called XXXXXXXX XXXX XXXX Headquarters and spoke with XXXX and asked her to verify if someone had opened up an account with my name to which she responded. NO. 

Hence : I believe this is a scam to collect money from seniors who would normally make out checks to the church and who would easily feel intimidated by a letter from a collection agency that is threatening to affect their credit if the amount owed is not paid in full. 

In fact, when you call this number it literally states to have your account information handy to include your account number and the routing number. 

THIS IS A DECEPTIVE PRACTICE THAT HAS TO BE STOPPED. 
NEVER EVER GIVE YOUR PERSONAL INFORMATION TO VERIFY ANYTHING!
Consumer complaint received 2022-01-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have an auto loan with Bank of America, and have been making all payments on time using their in house auto-payment system. I recently opened a new business checking account with them in XX/XX/2021, and ran into an internal technical issue where the new account essentially booted my other bank off of my auto loan causing my auto payment to not go through. After seeing a late fee in XXXX I immediately called in to which I reached an executive leader who informed me of the backend issue and assured me the fee would be waived as it was internal, and helped get the issue resolved. 
Coming up to XXXX, they simply moved the fee from XXXX to XXXX payment instead of waiving it. To avoid another fee, I paid the amount with the fee and called in to discuss the issue multiple times, and on 3 seperate occassions was told it would reflect on my next cycle. The next cycle still does not reflect any refund, and Anytime I call back in, I speak to supervisors who place me on indefinite holds and disconnect my calls. 

XXXX XXXX Escalations manager- XXXX Florida placed on 25 min indefinite silence.XXXX XXXX CST. 

XXXX XXXX senior escalations manager- XXXX Florida- refused to send documentation The company seems to be claiming they are waiving these fees, then simply collecting them on the back end.
Consumer complaint received 2021-10-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I originally filed a dispute on XX/XX/XXXX via certified mail to all three credit reporting agencies : XXXX, XXXX and Equifax. I received a letter on XX/XX/XXXX from them stating that the Collection account has been verified as accurate. In my letter I requested for them to send me copies of the documents they used to verify the collection. They have failed to send me any documents. They have continued to report this inaccurate and unverified collection on my credit report. On XX/XX/XXXX I sent a U.S. Postal certified mail receipt to XXXX XXXX XXXX XXXX XXXX requesting that they send me copies of the documents they used to verify the collection. They have failed to send me any documents. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Update : I called XXXX via phone yesterday XX/XX/XXXX and spoke with a representative that advised me that the collection from XXXX XXXX XXXX has been removed from my credit report. The representative stated that XXXX XXXX XXXX contacted them to remove the collection from my credit report. I would like for Equifax and XXXX to remove the collection {$4700.00} from my credit report.
Consumer complaint received 2020-04-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

-Entered into debt management company XXXX XXXX XXXX on XX/XX/XXXX -Served with notice of suit on XX/XX/XXXX by XXXX XXXX XXXX XXXX . representing Capital One Bank ( USA ), N.A -The debt management company was receiving payments for the debt to Capital One and forwarding payments to Capital OneXXXX XXXX XXXX XXXX in the amount of {$85.00} -Signed a  stipulation agreement document agreeing to pay the debt through the debt management company on XX/XX/XXXX XXXX XXXX  XXXX XXXX . wanted additional funds in the amount of {$90.00} to be deducted directly from my checking account ( I complied with the request ) -XXXX XXXX XXXX XXXX XXXX agree to this agreement and then on secured a judgment with XXXX County Courthouse on XX/XX/XXXX, while receiving the payments as agreed. 

-Contacted XXXX XXXX XXXX XXXX . concerning the judgment and was basically informed that " there was nothing that they could do, oh, well. '' -The debt is now paid in full, however, there is a judgment on my credit report for a debt I had an agreement to pay.
Consumer complaint received 2021-11-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I did a pre-qualification for a car loan and was advised to send in my banking statements. I sent in XXXX, XXXX and XXXX to capital. I received an email to call in regarding my application and was advised I could not used my XXXX XXXX  banking statement. They stated I can not used this information although it is coming from XXXX XXXX.
Consumer complaint received 2020-04-29
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: Resurgent Capital Services L.P. (HI)

I find myself disputing this company every month. They are in properly reporting. On XXXX XXXX the derogatory remark was removed yet it is still present on XXXX. I explained to the company that I did not live at the address as well as my social security number was compromised on several occasions. Many purchases made I was not even present in that state. They also have an account from XXXX and I was only XXXX at the time that they are demanding payment. XX/XX/XXXX- XX/XX/XXXX I lived in XXXX   and once I left XXXX  I moved to XXXX  . I have been living in XXXX  since XXXX.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Companies included : Experian, XXXX XXXX, XXXX XXXX, XXXX Experian has consistently falsely reported the wrong information regarding each of these other companies, and has failed to change the negative information after conducting two disputes per account, or company. 
I paid off my XXXX XXXX account and have the documentation that proves it but I should think XXXX XXXX could verify that fact. The account status was last verified in XXXX of 2020, but I cant seem to get the correct info to Experian to correct their error. Similar issues with XXXX and XXXX accounts. I truly have no knowledge of a XXXX XXXX account and it shows I never made a single purchase with the account, but it reflects negatively on my credit report and Experian will not dispute it again. XXXX   sold me a new SIM card years ago at ne if there store locations, but I didnt have time to pick out a new device for my new added line, because the store was closing for the day. I never ended up using that SIM card at all in any device but six months later I was getting collection notices from XXXX where they had assigned me a device and a plan that NEVER existed, I never even took the sim out of its Plastic punch out card holder. I went to the store first where I bought the card and they passed the buck to customer service via telephone to address my issue, customer service referred me back to the store for help. Meanwhile, I have 6-8 months of charges for a phone and a plan that I never signed up for saw or used. What can I do?
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

On my credit report, it shows that I am current with 1 missed 30 day late for XXXX XXXX. I have never been late and have received a call and a letter from XXXX XXXX apologizing, but yet it is still on my credit report. Even though they promised to remove it.
Consumer complaint received 2019-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Earm LLC (CA)

XXXX XXXX is harassing me and my children by continuously calling our cell phones claiming that I owe a loan to XXXX. I told him I do not owe a loan and he then read out my ssn #. I asked if he had my address so that I could respond in writing but he ignored me and told me that I was rude. I told him that I was recording the call with an app on my cell phone and to not call me anymore.
Consumer complaint received 2020-04-29
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. (NV)

Equifax is STILL reporting two inaccurate charged off XXXX  XXXX XXXX credit card accounts on my credit reports after numerous disputes. Both XXXX  and XXXX  have removed these accounts on the basis that the debt is NOT MINE, however they claim they have " verified '' the debt and account with the creditor. How are you going to verify the debt if it's not mine? The current charge off amounts are {$5600.00} and {$5900.00} all the way back from 2014. They have not furnished any proof whatsoever that the debt is in fact mine and continue to hold down my scores and from obtaining future credit. I will most definitely be taking legal action if they do not immediately remove these accounts from my report.
Consumer complaint received 2018-06-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MI)

I am formally submitting a letter of complaint over the sudden increase in monthly mortgage payments and requesting a refund from LoanCare , LLC. I am also requesting that my escrow account be closed. 

New FHA rules no longer require that lenders of FHA loans must maintain an escrow account. The homeowner is permitted to maintain his escrow account at his own bank. 

For the first year, my mortgage payments were {$1200.00}. The second year, they were {$1200.00}. In XX/XX/XXXX, they shot up to {$1700.00}. That is an increase of {$520.00} per month. 

I have spoken with five customer service representatives at LoanCare, none who have been able to explain the rate increase. 

My property taxes in XX/XX/XXXX were {$3200.00}. In XX/XX/XXXX, they were {$5200.00}. Thats an increase of {$2000.00}. 

My hazard insurance has remained largely the same, as has my monthly mortgage interest. 

Dividing {$2000.00} over 12 months, my monthly mortgage should only increase by {$170.00}. 

Yet LoanCare has increased my monthly mortgage by {$520.00}! 

Heres a breakdown of what I should be paying monthly : Principal & Interest : {$790.00} PMI : {$110.00} Hazard insurance : {$100.00} City taxes : {$430.00} TOTAL : {$1400.00} Federal law gives lenders the ability to have a cushion of only two months maximum of escrow payments. In this case, my monthly escrow payment is {$660.00}. Double that and its {$1300.00} maximum per year that LoanCare can request for a cushion. 

{$1300.00} divided over 12 months is {$110.00} for the cushion per month. 

So adding the extra cushion payment would make my monthly mortgage rate {$1500.00}. 

By charging me {$1700.00}, LoanCare is violating federal law and overcharging me. 

I have already submitted a formal complaint to the XXXX XXXX XXXX, and noted that LoanCare is not accredited by the XXXX and has an F rating based on multiple complaints and unresolved disputes. 

I want a refund of my escrow, and request that LoanCare close out my escrow account. Moving forward I will only pay the principal and interest on my loan and will maintain an escrow account at my bank. 

If LoanCare refuses this request, I will refinance my mortgage with another lender.
Consumer complaint received 2022-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

In response to my complaint, the documents attached by collection agency ( Reference number : XXXX of identification number XXXX of Portfolio Collection service- the document submitted for validation did not describe the details about specific products or services they claim that I purchased. The claim of cash withdrawal in this new document is not submitted with proper identification on what day and what place this transaction was done? 

In earlier validation the document submitted, this claim of cash withdrawal was not reported when I requested for full validation of the claimed debt. Furthermore, there is no direct communication from the original creditor regarding the charges claimed by the collection agency. The fraud complaint form from the collection agency can only be used after through validation is completed establishing about the claim by Portfolio.
Consumer complaint received 2020-07-15
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. (IL)

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 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, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 

My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Consumer complaint received 2022-09-11
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. (TX)

Am a victim of identity theft I was looking over my credit report and saw some accounts wasnt mine XXXX XXXX XXXX  account XXXX and XXXX XXXX XXXX account number XXXX. 15 U.S.C 1681 section 604 A section 2 the law clearly states a consumer reporting agency can not furnish a account without my written instruction.I havent given these accounts written permission to furnish these accounts on my credit report
Consumer complaint received 2021-11-01
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Kohl 's calls me several times a day, every day and leaves a voicemail. I have scheduled a payment and agreed to schedule a payment for my remaining balance when I get paid next. I still receive cash, emails and texts constantly to make a payment.
Consumer complaint received 2018-06-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (MI)

Over the past 3 years i have been charged over 12000 dollars in XXXX fees due to over drafts and other fees by chase bank. I am not rich I love paycheck to paycheck and got myself caught up in the loop of having to pay these fees to stay afloat. I have been refunded max set by bank of 100 dollars a year I believe I have beendubted into having to do this and feel hurt by them.
Consumer complaint received 2022-09-11
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: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-05
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. (VA)

XXXX XXXX XXXX is reporting 60 late payment for the month of XX/XX/2020, while the payment was posted on XX/XX/2020. 
Attached is XXXX XXXX XXXX XXXX statement showing the payments posted on XX/XX/2020. 
Please adjust the information on my credit report for XX/XX/2020 to show on time payment.
Consumer complaint received 2022-09-11
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

I am reaching out in regards to my my payment history. I would like to update it with late payments removed. The reason being is because these reports on my consumer report are causing me extreme stress. I am stressed because its not supposed to be there also making it hard for me to network. I seriously dont appreciate this. This is literally causing me hardship, these illegal practices being done! Late payments are literally illegal, Billing Error 15 U.S code 1666b. I would like to demand these be removed. Please help me out.
Consumer complaint received 2020-04-29
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. (CA)

I have been making on time payments on my car since I purchased it in XXXX. In XXXX of XXXX I told that I needed to make arrangements because I may not be able to make a full payment and what can we do about it. They offered me a 3 month installment where that one payment would get divided evenly in addition to my regular payments. I agreed as that would help. Well know one informed me that it would look like Im late on my payments. Those three months are showing up as 30 days late. After the fact, I asked them what was going on when I was making my payments on time as usual. They said well since I never made a full payment and technically it wasnt getting paid off until the third month that thats how they would report it. I informed them that no one told me anything like that. Had I known I wouldnt made a way to just pay it. Now my good record has turned into a negative status because of how they are reporting it. They didnt give me the facts about that. They rushed me on the phone for a quick fix and screwed me over in the end. I spoke to a supervisor and they said oh yes thats how we report it.