davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
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: Experian Information Solutions Inc. (CA)

THIS WAS A CHARGE THAT I DID NOT DO. THE COMPANY IS XXXX XXXX ; THEY CHARGED MY XXXX XXXX XXXX XXXXXXXX ON XX/XX/2023. FOR {$19.00} FOR A MEMBERSHIP I NEVER JOINED AND XXXX XXXX XXXX XXXXXXXX CHARGED ME. I WAS UNAWARE OF THIS CHARGE, AND THEY CHARGED ME LATE FEES TOTALING TO XXXX DOLLARS. I REACHED OUT TO MY XXXX, AND THEY WAIVED ONE LATE FEE, BUT THEY SAID THEY ARE INVESTIGATING THIS CHARGE, AND THEY NEVER DID. I HAVE REACHED OUT TO XXXX XXXX  BUT THE PHONE NUMBER DOES NOT WORK. I AM 30 DAYS LATE ON THE CREDIT FILE WHICH I PAID AND IS UPDATED NOW TO PAID. THIS IS NOT FAIR I HAVE NEVER BEEN LATE ON ANY OF MY BILLS.
Consumer complaint received 2020-06-26
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. (CA)

Experian Credit Bureau refused to increase my fico score regardless of : 1.  XXXX  XXXX recent correct error and remark on credit report. 
2. Decrease Car payment by {$13000.00}. 
3. Decrease Credit Card from {$5500.00} to {$0.00}. 
4. Decrease monthly home mortgage by {$600.00} 5. Decrease Student Loan every month. 
6. Never late on any monthly payments. 

Based on the previous 6 reasons to increase your Credit score, Experian decided to decrease my fico score. Compared to the other two credit bureaus, Experian credit score is 100 points off.
Consumer complaint received 2024-01-11
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX.
Consumer complaint received 2024-01-11
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: Experian Information Solutions Inc. (CT)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

*PERSONAL INFO* PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My name is XXXX XXXX, I am a customer with capital one for XXXX years. I want file a complaint about my credit interest charges. 
In XX/XX/XXXX evening, I received a letter from capital one, tell me my accounts are frozen, I should call a number to unlock my accounts. 
In XX/XX/XXXX, I made a phone call. They tell me they can not take care this issue during weekend. Ask me call them later. 
In XX/XX/XXXX, I called them and unlocked my account. I have XXXX checking accounts, one has more than {$32000.00} and the other has more than {$6000.00} in the accounts. 
I set up autopay for XXXX years, this month the payment date is XX/XX/XXXX. They can not charge me because they frozen my accounts. 
In XX/XX/XXXX, XXXX day after unlock my account. they charged me interest {$89.00} from my credit card and {$4.00} from my wifes credit card. 
In XX/XX/XXXX, they charged me {$27.00} for past due fee and {$25.00} from my wifes credit for past due fee. 
In XX/XX/XXXX, I found these charges when I check my online banking. So I call them, they transferred me XXXX times, from XXXX department to the bank department, and from bank to the credit, and to the bank, and to the credit- - - Finally, they said they can return my past due fee, because I didnt anything wrong to cause the pass due. But they can handle the interest, its above them authority. They give me number ask me call them. 
In XX/XX/XXXX, I made a call, after transfer me several times, they said they can not refund me the interest charge. 
This is why I am here, I think I didnt do anything wrong. I have enough money in my bank accounts and I set up autopay. They can not withdraw money from my account because they frozen my accounts. I unlocked my accounts as soon as I can. 
For example, I owe you {$10.00}, I want return {$10.00} to you with cash, but you refuse take it. Can you charge me past due fee? 
I am asking capital one refund these XXXX interest charges. XXXX is {$89.00} and XXXX is {$4.00}. 
I believe every phone call we made have been recorded. 
Thanks!
Consumer complaint received 2022-12-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (TX)

I am trying to get PMI taken off of my house. I sent the print off that Caliber sent me on XXXX XXXX/I overnighted it. I included a check for an appraisal and all of the improvements I have made on my home. Keep in mind, the paper I mailed back to them is the one they sent me when I inquired about PMI removal. After hearing nothing back, I opened a case with XXXX Caliber mailed me a blank paper just like the one I filled out. I filled this one out and sent it in again. I didn't hear from them for a week or 2 and then I received a check from them for the same amount as the one they cashed of mine originally. I kept receiving random letters from them, then I got one saying under Federal Rules, my improvements didn't apply. I did my research and this was incorrect, additionally, they never even sent anyone out so they wouldn't know. Days after this, I receive another letter asking me to send a check for an appraisal but this letter has a higher price than the first XXXX. The first letter they sent me asked for {$150.00}, and now this one is asking for over {$400.00}. It seems like they are doing everything they can to make this difficult and not allow me to remove PMI.
Consumer complaint received 2020-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (VA)

PNC account was connected to XXXX  in the past and I planned to continue this process as it is an easy way for myself to save money but now PNC is no longer able to connect to XXXX  so I can no longer add money to this program.
Consumer complaint received 2024-05-06
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (NV)

Prior to my acceptance in the school, XXXX XXXX was known as XXXX of the strongest and most elite schools in the country for XXXX  education. The admissions representative used the prior elite level of the school in convincing me that it was the right decision for me. Unfortunately, in the years prior to my arrival, the selectivity and elite status of the school had been tarnished. During the ownership by XXXX XXXX XXXX, the admissions skyrocketed and the level of quality in education went down. I thought I was accepted on the strength of my portfolio and experience, but it later came out that they were accepting anyone who was willing to take on student loan debt. I was mislead continually through the student loan process about work placement rates, ability to pay back student loans, and the quality of education I would be receiving. I attended XXXX XXXX from XXXX, XXXX to XXXX, XXXX. 

I am a class member in the the class action lawsuit " Sweet v. XXXX, '' where the Department of Education has listed XXXX XXXX in Exhibit C which was labelled in court documents that attendance at one of these schools justifies presumptive relief because of strong signs that they carried out misconduct.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USA 1681. The accounts below have violated mi rights. 15 u.s.e 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse tem of information, other than records of convictions of crimes which antedates the report by more than seven XXXX. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaceurate. 
Delete the INQUIRIES below : 1.XXXX XXXX XXXX XX/XX/2023 2.XXXX XXXX XX/XX/2023 3.XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (NJ)

LexusNexis had previously stated that they would remove items from my car insurance report. My insurance pulled my insurance score card and everything is exactly the same. They have done nothing to what they said they would. Original CFPB claim number XXXX
Consumer complaint received 2020-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

Submitted a complaint via this site, company responded to call with any further questions, I attempted to call regarding account being paid in full but they will not speak to me via the phone. I submitted statement in writing requesting that they respond with information regarding receiving the full payment and a response to delete from credit file. That was mailed XX/XX/2020. To date, I have not received any response from this company and it is still showing on my credit report as not paid.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (WI)

CITI UNLAWFULLY CLOSED MY CREDIT ACCOUNT. 

15 U.S. Code 1666a - Regulation of credit reports ( a ) Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.

( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. 

( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported.
Consumer complaint received 2022-10-04
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: Spring Oaks Capital, LLC (FL)

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

This is the response from the XXXX department and when I called to get the information on how to remove or pay I spoke with XXXX the customer service agent at XXXX and I know calls are recorded and she says the balance is XXXX. But how is it that it is reporting as collection/charge off. But you are saying here with your response to cfpb case : Dear XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  ) is in receipt of the complaint you filed with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX. In your complaint, you expressed concern regarding the account information furnished to the credit reporting agencies by XXXX and you would like for them to be updated. XXXX is a financial technology company, not a bank. Banking services provided by XXXX XXXXXXXX XXXX XXXX. or XXXXXXXX XXXX XXXX  XXXX FDIC. We take all matters which affect our XXXX members very seriously. XXXXXXXX XXXX XXXX. serves as the issuer of the XXXX XXXX XXXX account and as such, takes the matter of your complaint very seriously as well. We conducted an investigation to better understand the full scope of this matter. The following is a summary of our findings. A review of our records determined that we began furnishing information on your XXXX XXXX XXXX account to the credit reporting agencies in XX/XX/XXXX and last reported the account in XX/XX/XXXX. XXXX reports information accurately to the three major credit bureaus. Our records indicate your account is being reported accurately. To remain fair and impartial to all our members, we are unable to modify our credit reporting procedure. Please feel free to contact XXXX XXXX Services at XXXX if you feel that this issue has not been resolved, or if you have additional questions or concerns. Sincerely, XXXX XXXX XXXX XXXX XXXX. This is inaccurate and according to 15 USC 1681n ( civil liability for willful noncompliance ) and if that is the case you knowingly is and saying one thing and credit report is saying another. XXXX  rep said that the account says XXXX and should be reporting as such and told me to dispute with the credit bureaus and they suppose to remove it. At this point if that is the case it needs to be removed asap
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Wells Fargo Bank Acct # XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.
Consumer complaint received 2024-05-03
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: Larry H. Miller Group of Companies (TX)

The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2020-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Collection Bureau of the Hudson Valley, Inc. (CT)

Collection Bureau of Hudson Valley put a negative collection account on my credit file regarding a optimum bill in the amount of {$290.00} this was included in a bankruptcy in 2019. I never received notification from them.
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (FL)

I am filing this complaint to bring to attention the egregious and persistent failure of Vance & Huffman LLC to comply with the Fair Credit Reporting Act ( FCRA ), a failure that not only impacts me personally but sets a dangerous precedent for consumer rights violations nationwide. My previous complaint to the Consumer Financial Protection Bureau ( CFPB complaint number XXXX ) was met with a response so lacking in substance and accountability that it borders on contempt for both the regulatory process and the rights of consumers. Vance & Huffman LLC has demonstrated a pattern of behavior that shows a systemic disregard for the obligations imposed by the FCRA, specifically the requirement to notify consumers prior to reporting debts to credit bureaus. This notification is not a courtesy but a legal requirement, designed to protect consumers from unwarranted credit damage and to provide an opportunity to dispute incorrect or fraudulent claims. In my case, no such notification was provided. The debt was reported without my knowledge, without my consent, and without giving me any opportunity to address or dispute the claim. This action has not only potentially damaged my credit score but also my trust in the financial systems that are supposed to operate within the bounds of the law. Vance & Huffman 's reply to my initial complaint disregarded these concerns, focusing instead on a superficial acknowledgement of subsequent communication which does not address the initial violation. This approach is indicative of a broader operational ethos that prioritizes expedience over legality and consumer well-being. It is an ethos that underestimates the intelligence and rights of consumers and assumes a lack of accountability that I am here to contest. Their failure to address the root of the complaint in their responsea detailed, documented, and legally grounded notification of debt before any report to credit agencieshighlights a grave misunderstanding of or disregard for the laws that regulate their industry.
Consumer complaint received 2024-05-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Absolute Recovery Services, LLC (TN)

I looked at my XXXX report on XX/XX/XXXX and still noticed XXXX is reporting incorrect information. I sent my letter XX/XX/XXXX to remove this collection. The amount is inaccurate & I would like this removed from my account.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (UT)

I was affected by the Equifax data breech, and it has affected my credit report a lot and my identity. please clear anything on my Equifax account and credit report. Below is a document with Equifax admittance
Consumer complaint received 2024-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2024, I was in a middle of a XXXX  game. After the game ended, I check my phone and seen that a transaction had been made on my account. I immediately called my bank to resolve the issue but they kept directing me to another department. At one point they had me on hold for over an hour, meanwhile the transaction had been finalized. I called before it finalized to avoid this mess but it didnt work. Then they kept distributing me to departments telling me that the bank couldnt do anything for it had been made through XXXX. So I called them but when I did, they directed me back to my bank to finally to make a fraud claim. So I cooperated and then called a few days later to check on it. They said that it was through my phone and Face ID but I dont know how if I didnt even have my phone. They then said they couldnt do anything about it and left it at that. So then I called again a few days later to try to resolve it because I lost money without my consent but it was no help.
Consumer complaint received 2024-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

There is a person located in XXXX XXXX that has access to my account and has admitted to it and its doing Fraud on my account, the person did transactions on my account also used my XXXX to transfer money to a PERSON THAT I DONT RECOGNIZE!!! CHASE BLOCKED MY ACCOUNT UPON MY REQUEST FOR THE FRAUD THEY DID ON MY ACCOUNT! CHASE HAS DETERMINED THAT THEY WILL NOT TAKE CARE OF THE FRAUDS DONE ON MY ACCOUNT AND THAT THEY WILL BE CHARGING ME! AND RETURNING THE MONEY TO THE PERSON WHO DID THE FRAUD!! I NEED HELP!! I WAS ROBBED AND OBVIOUSLY BECAUSE HE IS IN XXXX XXXX NOBODY WILL DO NOTHING ABOUT IT!! PLEASE THIS IS MY ONLY HOPE!