davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pinnacle Credit Services, LLC (CA)

This account was supposedly opened in my name XXXX, and charged off in XXXX. I have tried repeatedly to contact the creditor for verification of this account to be mine, Ive also disputed this account numerous times for inaccuracies. This account meanwhile is till open, even though it reports Closed/Charged off. 
XXXX XXXX  XXXX
Consumer complaint received 2016-06-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (VA)

Recently I went through some financial short comings when I lost my job in XX/XX/XXXX. 
During this very trying time I was current on all my mortgage payments, the balance of the mortgage ended up paid in full on XX/XX/XXXX. After making repeated attempts to clear the derogatory reports that US BANK Mortgage had made to XXXX, XXXX XXXX and XXXX.US BANK MORTGAGE is still reporting false information to this date interferring with my ability to obtain a job, credit and a fair interest rate.
Consumer complaint received 2016-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

I completed a short sale in XX/XX/XXXX and I was informed from the independent foreclosure review that all negative reporting will be removed. The mortgage company is also still reporting a late that occurred XX/XX/XXXX that needs to be removed.
Consumer complaint received 2021-01-26
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: LoanCare, LLC (CO)

XXXX XXXX XXXX XXXX reported a derogatory mark on my payment in XXXX stating it was 30 days overdue. I have documents supporting both XXXX and XXXX payments were made on time which I have submitted to the company and they will not remove the late payment. I am trying to refinance and am waiting for this removal to do so as it greatly impacts my credit score. I raised the original issue with XXXX XXXX  in XXXX to which they replied there was not enough information ( I submitted proof of payment for both months just in case ). 

It is very difficult to get in touch with a representative for customer service and they do not allow credit dispute over the phone which creates a very lengthy and unnecessary process.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (IL)

Recently I went to  XXXX    XXXX   to open an account. I was denied b y Early Warning.  I requested a copy of the consumer report, where to my dismay, I found several inaccuracies.     Please note that I was a victim of identity theft, and attached is a copy of the corresponding police report. Moreover, I also recently filed bankruptcy and some of the accounts were included in the bankruptcy.  See Bankruptcy Notice of Filing and Discharge.      I have also included a copy of my most recent   XXXX   report which will substantiate this information for you as well.
Consumer complaint received 2015-10-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (AZ)

I deposited a check into my Wells Fargo account. The check bounced. I was charged a " returned check '' fee that amounted to XXXX % of the check 's value. 

The Wells Fargo manager acknowledged there is no way of me preventing this charge, but refused to issue a refund.
Consumer complaint received 2017-05-23
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 mailed a Multip le Inquiry Removal Letter o n  XXXX   XXXX ,    2017 b y certified mail in order to dispute information in regards to  XXXX  inquiries that was being reported on my credit report. They received the letter on  XXXX   XXXX  , 2017    and they completed the request on  XXXX   XXXX ,    2017. The  request that I submitted included inquiries that were not factual and I received the same response for ALL inquiries which were " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it s tates that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 7 days after the receipt of my certified letter, one can assume that there was no investigation into this matter. I am in the process of purchasing a home and having this many inquires on my credit report display a sign of financial trouble when this is absolutely not the case. I am submitting this complaint due to the lack of investigation into my original dispute for inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2016-10-28
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Credence Resource Management, LLC (CA)

a person by the name of XXXX XXXX and XXXX called my mothers phone number saying that I owed a dept and that I had to call them at following number XXXX I do n't know which company this is and how they got my mother phone number..
Consumer complaint received 2023-03-28
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)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-22
Product: Credit card — 
Issue: APR or interest rate — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have been a credit card customer of Capital One for the past 8-10 years and my account was always in good standing. This is also actual my only credit card. I made an online payment over the XXXX XXXX holiday that due to the holiday and week-end time frame it ended up being 1-2 days late. Suddenly with no notice Capital One raised my interest rate from 3.77 % to a 23.15 % rate. This is a 20 % rate increase. I have a good credit rating and would never pay a rate this high. I now ca n't afford the monthly payment the minimum payment jumped to almost {$600.00} per month and I ca n't afford this. I have repeatedly called Capital One and was told there is nothing they can do. I even went into their XXXX MD branch their manager XXXX was trying to help me but when he called they gave him wrong info even telling him I never had a 3.77 % rate. That is not true my statement is the proof.
Consumer complaint received 2016-02-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital one closed XXXX of my business accounts because they claim they needed an EIN number, which they have on my other card for same business. I received no letters or calls to warn me of this account closure or to request information. They say they sent letters and now today after 2 days on the phone, a rep said they did try to call. Their reps are not on the same page and must not have access to the same information. New information seems to materialize in their favor the more time I spend on the phone them! 
I have XXXX other cards with them, XXXX being a business card with the same info as the account they closed. They also took XXXX rewards points and applied them to my balance. 
I called them and asked them to reinstate the account and they keep saying they can not and that because they did not receive the EIN info by said date that they had to permanently close the account. They are claiming that it is against federal regulation to reopen this account. Their reps are dismissive and condecending. They do n't really seem to want to rectify the problem and they are not forthcoming with the truth regarding their choices. 
I am a very unhappy customer and am considering closing down all of my accounts with them.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally request the deletion of an account from my credit report. The account in question is XXXX XXXX - XXXX XXXX XXXX  XXXX which was settled in full on XX/XX/year>. 

In accordance with the terms agreed upon with the creditor, the payment was made with the explicit understanding that the account would be deleted from my credit report. 

My ability to proceed with moving is contingent upon having a favorable credit standing. It is imperative that this account is promptly removed from my credit report to accurately reflect my financial status and allow me to proceed with confidence in securing housing.
Consumer complaint received 2022-09-05
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. (IL)

n accordance with the Fair Credit Reporting act 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 2015-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (PA)

I was de-escrowed in XXXX 2014. I chose to pay my taxes and insurance on my own due to previous problems with Ocwen. I paid my homeowners when it was due. Even though my escrow was closed and had a XXXX bal they paid it too. They show a negative balance in my escrow for the payment they made. The insurance company refunded them their payment and they have not credited it to my account to remove the negative balance. Faxed them the info several times they refuse to understand and have raised myinterest and principal payment to get their XXXX back and they already got it back from XXXX.
Consumer complaint received 2016-01-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Suburban Credit Corporation (MD)

This debt was paid through XXXX XXXX XXXX in full in 2013. Some how with the large load the medical centers have with all their patients my accounts was turned over to Suburban Collection Agency. I contacted the hospital concerning this debt and they stated this account was paid in full and they will contacted the collection agency to have this item removed from my XXXX credit report.
Consumer complaint received 2015-05-27
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I contacted Kohl 's directly upon my purchases for XX/XX/XXXX while shopping at customer service to receive paper statements. In XX/XX/XXXX, I still had not received a statement so I called Kohl 's to find out why I had not received a statement. The representative stated I was late on my payment. I advised him that I had not received a statement yet. He stated he would remove late fee and bring account current. I made a payment as per attached pdf file. I continued to make payments drawn on or before the XXXX of each month. Some came out as late as the XXXX. I never missed a payment and made more than minimum due. However, Kohl 's has charged me {$160.00} in late fees stemming from the XXXX payment issue. I believe this to be an unfair scheme by them to collect fees. I did not receive a statement, inquired and made a payment the same day. The representative stated they would bring account current and remove the late fee. That never happened and created a situation where each month would be late even though I pay more than minimum due. I tried to reach their POC, XXXX XXXX, with XXXX voice messages to no avail. Then today, she calls and states that they will make no adjustment and that they would only provide a correspondence to me. She refused to acknowledge my concerns. She simply refused to talk about any specifics or reason why they would not refund late fees. Very cold but not unprofessional, just detached and cold!
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX, 2021, received message from Trans Union Credit, that my credit file just received a credit inquiry and I knew it was not me. 
The inquiry came from XXXX, phone XXXX, after about 30 minutes of going thru all different departments, I was told to ask for a CUSTOMER CARE AGENT, explained to them and they sent me to their INVESTAGATION DEPARTMENT, I spoke to a man named XXXX, he took all my info. and agreed with me that my inquiry was from a fraudulent individual. XXXX told me they would send a message to TRANS UNION, telling them that they are DELETING their credit inquiry, and ask that Trans Union likewise remove the inquiry from my report As of todays date XXXX XXXX, 2021, TransUnion has not received word from XXXX XXXX!
Consumer complaint received 2019-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: URS Holding, LLC (NY)

Alltran Education Inc. calls me after I legally requested them to cease and desist all contact with me. They're in violation trying to collect a debt I don't owe. They can't physically validate the debt as I requested them to. I wrote to them and asked them unless they send me all physical evidence requested to validate this debt, they should never contact me again and must remove my name from thy record. 
However, I kept getting phone calls from them. different time during the day. They use different phone number to call me many times, each i would back they no longere in service which cause me nuisance, I feel Ive harassed by this compagny I feel threatening by they abusive behavior agaist me. 
I have contacted the creditor about this unauthorize loan they opened under my name in the past. They refused to investigate the school that sent them these fraudulent applications to collect on my behalf without my knowledge. 
Altran education continuously sending me correspondence, pressuring me after they've received my cease and desist letter. 
I feel like they try to scam me force me into paying back a loan that I never used and I dont owe. 
I asked them to contact who sold them the debt and notify them of this debt being disputed and to contact the credit bureaus as well they ignore all my request to clear the wrong debt, they have in my name under my social security number.
Consumer complaint received 2017-01-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: AmeriHome Mortgage Company, LLC (VA)

I recently paid off a mortgage loan at AmeriHome Mortgage Company , LLC, XXXX, NJ XXXX. Within a day or two after the loan was paid off, online access to our records was abruptly cut off. I am now unable to see my last payment how it was applied to my loan. I am also unable to see a transaction history of deposits and payouts to and from my escrow account. I have not received any explanation or itemization for a refund check that we received in the mail. This is a rude and abusive way to treat a borrower. I need this information to balance my records and compute my taxes. I do n't think it is fair to ask me to lick a stamp or pick up a phone to get access to obtain MY information.
Consumer complaint received 2020-10-19
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. (AL)

In XX/XX/2020 I filed a dispute with this credit bureau about the unverified account XXXX XXXX account # XXXX and XXXX XXXX  account # XXXX In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you
Consumer complaint received 2019-02-16
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. (GA)

I have been trying to get Experian to update my report. They show a KD on acct # XXXX & XXXX when my account has been paid in full. I know if they sent a request to XXXX XXXX, they would see this has been paid in full. As it stands this is not accurate. This is hindering my ability to obtain credit.
Consumer complaint received 2024-01-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (CA)

XX/XX/year> - Bought tickets through XXXX XXXX and messaged XXXX XXXX that I was interested in buying tickets and got scammed {$400.00}, this was 2 separate payments of {$200.00} through XXXX with the same person named XXXX XXXX. 
XX/XX/scrub>XXXX XXXX XXXX - I called Navy Federal Credit Union to report this scam and talked to a lady who asked if this was because of good and services that was not received and I said yes. She immediately said we can't do anything about it. I was devastated during this time so I did not have anything to say as I was not aware how to handle this situation because this is my first time getting scammed. 
XX/XX/scrub>XXXX XXXX XXXX - I requested money back from the recipient of {$400.00} through XXXX and they declined it at XXXX XXXX 
XX/XX/scrub>XXXX XXXX XXXX XXXX I filed a complaint through Federal Trade Commission to support this situation for when I called Navy Federal Credit Union again. 
XX/XX/scrub>XXXX XXXX XXXX  - I filed a complaint through Federal Bureau of Investigation to ramp up the gravity of the traumatizing situation I'm in. 
XX/XX/year> XXXX PST - I emailed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of this university and so does the scammer and the private XXXX XXXX where she had posted the tickets to scam people is connected through the university. 
XX/XX/scrub>XXXX XXXX XXXX  - I called Navy Federal Credit Union Fraud Department once again to report this fraudulent charge and asked if I can file a claim, the guy said that I can't dispute this because this is through XXXX and explaining that it's just like cash repeatedly. I mentioned that I already filed a complaint through FTC, FBI and Local Police and I was trying to see if Navy Federal can help with this situation and he repeatedly said no and apologizing that he can't do anything. I asked for someone else to help me with this situation and he did not transfer me and said that can he can help me all day long but this is the right department. I mentioned that this is technically a type of fraud and he said " no, fraud is when you're sleeping and someone had done something to your account. It's dishonest, but not fraud. '' I think that is unprofessional and not helpful at all because I have never been scammed money before and I have a clean record of my bank history and to not even be offered any help to resolve this traumatizing situation and help with reimbursing options is unreasonable.
Consumer complaint received 2019-02-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Solomon and Solomon, P.C. (NY)

Solomon and Solomon collection agency in XXXX NY contacted me about a debt they are claiming I have through XXXX XXXX  XXXX XXXX XXXX XXXX last XX/XX/2018 ). I never gave them permission to keep calling me after I spoke with them. I ended up blocking their office number in XX/XX/2018 because they kept calling me. Around XX/XX/2018 they started contacting me from their toll free number and they have left voicemails twice. I never gave them permission to ever leave voicemails on my phone from either number. The heading on their collection letters states they are not legally allowed to call or leave voicemails to anyone without permission.