davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Capital One is changing my bank account without my permission. They are changing it so that I no longer receive rewards. I used this bank for everything, and now I have to go through the hassle of moving all my money elsewhere. This is not acceptable. They should not be able to just force you to change. I agreed to this account, not to some other account. They should have to pay me for the time it takes me to move to a new bank because of their horrendous customer service.
Consumer complaint received 2015-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (CA)

Refused to agree in writing that account would not be reported on credit report if paid in full by the XXXX. Paid in full by the XXXX and per the recorded conversation with XXXX and her supervisor. The account was reported on my account in direct violation of our agreement.
Consumer complaint received 2015-03-24
Product: Credit card — 
Issue: Late fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have a credit card that is with Bank of America it has been on auto pay for years. The auto pay did not happen in XXXX. I was not aware of why because I did not stop the auto pay. Bank of America Charged me a late fee due to none payment. After calling Bank of America and speaking to the bill pay department, the online department the credit card department and transferred back to online banking I was told that there is a system upgrade that caused an issue. However they still charged the fee and could not confirm that the auto pay was going to happen in XXXX. If they knew there was a system issue why would they not auto correct the issue instead of charging the fee? Because they want to XXXX from people and hope they do n't complain. It took XXXX minutes out of my day and no department took real responsibility they are making it difficult so that people give up and they can collect fees they should not even have charged.
Consumer complaint received 2015-12-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I was the victim of a scam six years ago for a large sum of money. I was sent fraudulent checks, which I was not aware of at the time, and my bank cashed those checks out to me even without the necessary funds to cover the checks. Thinking that this money was from a legitimate employer I cashed the checks and I sent the remaining money as they had asked. I was still in college at the time. Bank of America closed my account and made me pay the money back through a debt collector. Worried that my credit and reputation was at stake, I setup payments and paid all the money back. Still any time that I try to open a new bank account, I am rejected even though I have good credit and no other complaints on my history besides this one incident. I am always told that I need to talk to the " Risk Department. '' They then tell me that there is nothing they can do to remove my name off the alert and have me contact the XXXX ( XXXX ). When I call that companies customer service they tell me that there is nothing they can do and that Bank of America is the company responsible for removing my name from the list. Thankfully, I was able to get an account with another bank by starting out with a very limited savings account and was allowed to have a checking account after we " developed a relationship '' and I was put on a trust list with their bank. I can not even be added to my wife 's Bank of America account due to this issue. My credit score is really good and we are looking to buy a house soon. My loan specialist really wants both of our names on our bank accounts. Because this has been such a hassle, my wife is probably going to have to close her account with Bank of America and put all of her savings into my account with my bank ; therefore creating more work for her. My wife 's account is where the majority of our financial savings lies and we need to be able to show that for the home loan we are applying for. I do not understand why I am not able to be cleared even after I have paid all of the amount of the scam off. Though bank error was also a fault in the issue, I paid all of the Claim amount to the debt collector by XXXX of 2012 in order to try to reestablish my reputation.
Consumer complaint received 2015-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (CT)

I have a negative item on my credit report from ShellPoint Mortgage Serv which was opened in XX/XX/XXXX. The original debt was with XXXX XXXX XXXX which has since been absorbed by ShellPoint Mortgage. It was the joint responsiblity of myself and my exhusband, XXXX XXXX. In XX/XX/XXXX I filed Chapter XXXX. All of my debts were discharged in XXXX XXXX. I have contacted the company, including an officer of ShellPoint to try to get this resolved on all three credit reports. The company will not correct their records. I am taking significant hits since this is a negative itme on my credit reports, the ONLY negative item. 

Can you help me? 

XXXX XXXX
Consumer complaint received 2015-03-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (GA)

I received a call on my cell phone. It was a hang up when I answered. I called back and discovered I was called by a collections company. I do not owe anyone any money. The representative who answered identified himself as XXXX XXXX. He had a foreign accent. I told him I was called and hung up on. I gave no info about my location, etc. He said the company was trying to reach XXXX and gave a partial address that I did not catch. No city was indicated. I told him I did not know the person, did not appreciate the call on a cell phone and the hang up. I asked to speak to a supervisor and have my number removed from the list as I was not a proper contact. He said a supervisor could not help me. Wanted to know if I knew how to contact XXXX after I said I did n't know a XXXX.
Consumer complaint received 2015-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RJM ACQUISITION LLC (LA)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Consumer complaint received 2015-04-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (WA)

I keep receiving phone calls from XXXX XXXX XXXX XXXX stating that they are trying to collect a debt for XXXX bank. The only account I hold through XXXX is an XXXX Store Credit Card. I called the number on my card and they have confirmed last month 's ( XXXX XX/XX/2015 ) bill was paid by the due date and this month 's ( XXXX XX/XX/2015 ) is set for the correct amount paid on the due date. Not only do they keep calling asking for money, I have received calls both on XXXX, and I have gotten automated voice recordings on my cell phone.
Consumer complaint received 2015-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (CA)

XXXX was the owner of a prior debt. Five days after I settled this debt the same account was sold to another debt collector. The new debt collector Commonwealth Financial refuses to remove debt from credit report.
Consumer complaint received 2015-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Select Portfolio Serving, SPS, is not acting in " Good Faith '' in the underwriting and preparation of a loan modification which was in fact already granted in XXXX of XXXX by the former bank note holder, XXXX. 
I have fully complied with all their requests for financial information for the past 6 months. They are requesting the same financial information over and over again. I have sent them " proof '' of income several times only to be informed it is not enough. 
I have already given them the following Documents:XX/XX/XXXX TaxesBank StatementsInsurance statementsrental income for the house in questionrental income fore the XXXX XXXX XXXX income for investment property located at XXXX XXXX XXXX XXXX XXXX Fl5 months of consecutive rental income direct from the Federal Government ComputersProfit and Loss StatementsDetailed listing of my ExpensesRMA formAll this information can be verified by my Taxes which were professionally prepared by XXXX XXXX and XXXX XXXX CPA, XXXX New York XXXX 
SPS has formally acknowledged the receipt of this information via email confirmations to me dated:XX/XX/XXXX, XXXX confirmations of receipt XXXX/XXXX/XXXX, XXXX confirms of receipt XXXX/XXXX/XXXX, XXXX, XXXX confirms of receipt XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX, XXXX confirms of receipt XXXX/XXXX/XXXX. In total, there are XXXX separate emails from me that they confirm were in fact received by them. 
Despite my total cooperation and a deluge of information from me which can be easily verified, SPS continues to deliberately delay and or sabotage the recognition of a Mortgage already put in place by XXXX or grant a new mortgage taking into consideration the failures of XXXX and now XXXX Bank to accept my mortgage payment of {$1700.00} for several years. In fact, XXXX had accepted my payments for 9 months. 
I have attempted to correct this situation through personal phone calls, letters and lawyers. To date, no one is listening. 
Once again, the loan had been modified in XXXX and I was current on the payments when the note was transferred to the new servicer. The new servicer required me to re-apply for a loan modification which put me at risk of foreclosure because the new servicer did not accept payments after the loan was transferred. 
Florida is a XXXX XXXX and Foreclosure matters are referred to XXXX XXXX. The bank and I are required to participate in a Loss Mitigation Workout Solution. 
This matter has been placed on the court 's calendar and I submitted opposition papers to a Summary Judgement Motion on the basis that the Note to the Subject Property was not attached to the Bank 's Motion papers. 
There is a sale date scheduled for XXXX XXXX, XXXX and the bank has all the documents to approve a Loan Modification, but is not in COMPLIANCE with FEDERAL GUIDELINES. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
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)

I hope this letter finds you well. I am writing to address a concerning discrepancy in my credit report regarding late payments on my account. Upon reviewing my report, I noticed that late payments were inaccurately listed, which has had a negative impact on my credit score. I contacted the company associated with this account, and they acknowledged that there was an error on their end. They assured me that they would update and correct my account to reflect the accurate payment history. They explained that they sent the statement to the wrong address, causing the late payments on my end. I find it perplexing that your bureau continues to report these late payments when other credit bureaus have already corrected the status of the account. This raises questions about the verification process used by your bureau to ensure the accuracy of the information reported. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX historical late payments 30 days each payment In accordance with the law, my rights have been violated. Late payment reports to your consumer report is illegal. In 15 U.S. Code 1681a : Definitions and Rules of Construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Transactions are not included in the report and the request to is to remove late payments from my transunion, XXXX, XXXX consumer report.
Consumer complaint received 2024-08-09
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. (TX)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2015-05-13
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Auto Finance calls me multiple times a day even though I pay my bill on the same date every month which is the XXXX of every month. They call me from different phone numbers stating that my bill is due and/or late which is inaccurate because I have auto-pay set up with my bank and it comes out of my check automatically the XXXX of every month.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2015-09-30
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Google Compare Credit Cards Inc. (KS)

I have been locked out of my google wallet account and will not be notified of the reason for such. I have emailed, called, and contacted multiple times with no useful response to the issue. I feel that I have the right to know why incase there was something that could have been compromised with my account and/or personal information that google keeps on file.
Consumer complaint received 2024-08-09
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. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA 3 credit bureaus are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 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 2015-03-22
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I HAVE A FRAUD ALERT ON ALL MY CREDIT REPORTS THAT INDICATES AND ALERTS CREDITORS TO CONTACT ME TO VERIFY MY IDENTITY BEFORE CONSIDERING, OPENING OR ESTABLISHING AN ACCOUNT IN MY NAME. I HAVE EXCELLENT CREDIT, HAVE {$00.00} BALANCES OWING, HAVE NOT USED MY CREDIT IN OVER 15 YEARS AND EARN WELL OVER $ XXXX OR MORE PER YEAR WITH VERY HIGH FICO SCORES OF XXXX, XXXX AND XXXX. XXXX BANK DELAWARE COMPLETELY IGNORED MY FRAUD ALERTS ON MY CREDIT REPORTS, ACCESSED MY TRANSUNION, CONTINUED TO ADVISE ME THAT THEY DID NOT HAVE AN APPLICATION FOR ME IN MY NAME FOR THEM TO DO NOTHING BUT SEND ME A DECLINATION LETTER 30 DAYS LATER SAYING THAT I DID NOT HAVE ENOUGH CREDIT WHEN I ACTUALLY DID. XXXX XXXX COMPLETELY VIOLATED MY CIVIL RIGHTS WHEN THEY REVIEWED AND PULLED MY TRANSUNION CREDIT REPORT. I EITHER WANT THE CREDIT CARD I APPLIED FOR AND THE INQUIRY DELETED OR I WILL BE CONTINUING TO REPORT XXXX XXXX FOR THEIR FAILURE TO COMPLY TO THE FRAUD ALERT POSTED ON MY CREDIT CARD. XXXX XXXX WAS OBLIGATED TO CALL ME TO VERIFY MY IDENTITY AND ASK SECURITY QUESTIONS AT LEAST ; AND INSTEAD THEY IGNORED THE FRAUD ALERT AND DECLINED ME PERIOD WITH POOR EXCUSES FOR DECLINATION GENERATED FROM A COMPUTER INSTEAD OF A HUMAN BEING TAKING A LOOK AT THE APPLICATION AND MY CREDIT REPORTS INSTEAD OF JUST TRANSUNION 'S CREDIT REPORT ALONE. 

I DID NOT DESERVE TO BE TREATED THIS WAY, IT 'S NOT PROFESSIONAL AND THE APPLICATION PROCESS AT XXXX IS NOTHING BUT A FLUKE AND NEEDS TO BE REVAMPED OR INVESTIGATED BECAUSE IT IS NOT AN ACCURATE PROCESSING VESSLE. I AM APOLLED AT THE MANNER IN WHICH XXXX XXXX DECLINED ME AND VIOLATED MY CIVIL RIGHTS WITH MY FRAUD ALERT ; AND I MAKING COMPLAINTS TO WAKE XXXX XXXX UP IN GENERAL SO THAT THEY CAN SEE THAT THEY MADE A MISTAKE IN THE MANNER IN WHICH MY APPLICATION WAS PROCESSED AND DECLINED.
Consumer complaint received 2015-08-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First National Collection Bureau, Inc. (OH)

Today XXXX/XXXX/2015, I was instructed by XXXX to conference them in with First National Collection Bureau XXXX Inc. to confirm that I paid my agreed settled amount of {$230.00} in full. The First National Collection representative, XXXX XXXX, confirmed that the debt was paid in full, but went on to say, to myself and the XXXX representative, that I need to pay more than the settled amount. Is this legal for First National Collection to request more money, especially since this disputed debt exist due to XXXX attempts to bill for an additional service that I never asked for?
Consumer complaint received 2015-12-07
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (MD)

I have reached out to XXXX XXXX to make a settlement on a care credit account. After multiple discussions with collection specialists, I asked for clarity on the reduced settlement amount that I was offered. XXXX refused to provide me in writing prior to making the settlement payment of {$1500.00} that this is the amount that they offered to pay. I then asked to speak with a collection manager and was told that the manager was not on duty by XXXX XXXX. Per XXXX, no letter can be sent until after payment to reflect settlement. He initially refused to allow me to speak with a manager. I was then transferred to XXXX XXXX who then admitted that he was a collections specialist and not a manager. I then transferred to XXXX XXXX who identified herself as a manager. She initially told me that following payment on my settlement, I would receive my confirmation in 7 to 10 days. She then refused to answer any further questions and transferred me back to XXXX XXXX. I am now being told that I will not receive my confirmation of payment for approximately one month. I raised the concern of paying a settlement of debt without any proof of the agreement. I was told that the call is recorded and that is sufficient enough. I am requesting XXXX XXXX provide me in writing confirmation of the agreed upon settlement. I was told I can not receive any proof of amount for settlement via fax or email.
Consumer complaint received 2015-12-07
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE (FL)

I requested a balance transfer with XXXX XXXX Barclays credit card to pay off my XXXX XXXX card on XXXX XXXX. After I requested the balance transfer I have called XXXX XXXX multiple times between XXXX XXXX to XXXX XXXX to check the status because XXXX XXXX says it 's posted but the XXXX account does not show the balance transfer. I even repeatedly ask XXXX XXXX to investigate the issue but the representative keeps saying if the account number I entered was correct, the payment will go through and post on my XXXX account. On XXXX XXXX, XXXX XXXX 's representative told me that they are going to investigate, but a later conversation with a XXXX XXXX supervisor reveals that there was no investigation. On XXXX XXXX, XXXX XXXX finally agreed to investigate but provided no update to me until I called again today. Today on the first call the XXXX XXXX representative says the issue was still under investigation. On my three-way call with XXXX and XXXX XXXX later today, the account number was verified to be correct but XXXX says XXXX XXXX used a wrong delivery method. XXXX XXXX keeps denying that they made false representations and refuse to refund me the interest I was charged because of their mistake. XXXX XXXX offered to do the balance transfer again at the same term as a resolution, but does not guarantee that they will use the correct method to delivery payment, which means it is not a resolution at all. I am very disappointed because XXXX XXXX 's repeated misrepresentations ( all of the conversation were recorded on XXXX XXXX 's side ) has caused me to pay extra interests on my balances on my XXXX account that I could have avoided.