davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Accelerated Receivables Solutions (WY)

Accelerated Receivable Solutions had me served on XX/XX/2020 for debt that had been paid in full on XX/XX/2020. When I called concerning the summons they assured me without proof that they had corrected the issue and that I would be receiving notification that the court summons had been reversed. I have never received that correction and I am still on the Docket with the XXXX County Court for debt already paid in full. Today when I called the agency, contrary to collection laws, they failed to identify themselves on the phone, failed to identify who they were, asked questions concerning the issue prior to announcing that they would be recording the phone call or that it was an attempt to collect a debt. Then after assuring me over the last several phone calls that all debt had been satisfied, suddenly had hold debt that I had never been notified about in writing in their office and demanded payment. They have to be prompted numerous times to send receipts for proof of payment, and they refuse to send proof of debt when it is requested. Collection laws clearly state they must identify themselves at the beginning of the phone call with first and last name and what the organization is, that it is an attempt to collect a debt and that they are recording you, and this can not wait until after they have talked and badgered you for 10 minutes. Additionally ARS is charging a 30 % processing fee ( XXXX  dollars to even take payment on a debt they never notified me in writing upon receipt in their office ). And they stated on the phone that they had the debt in their office for a couple weeks, which meant they were sitting on the debt contrary to collection laws to accrue additional interest before notification. However I have never received notification from this company for any debt, instead I find it on my credit report and have to investigate and locate them. This is also a violation of the credit collection laws in that they are making no attempt to notify the person responsible for the debt that they have acquired it. XXXX  XXXX  XXXX, and XXXX XXXX have stated through their financial officer that they immediate send the debt to the credit company on the day that they bill the consumer, and in many instances its a fight to get one or the other company to recognize that bills have been paid.
Consumer complaint received 2017-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (VA)

I have had a mortgage with Chase for almost 20 years. A couple of years ago I opened an " Ink '' business credit card account with Chase. After receiving the new card, I phoned their customer service to merge the credit card account with my existing mortgage account so I could access both with a single login to their web site. They did not inform me at the time, but in doing so they actually created a *new* online profile for me, and in the process they disabled the automated ACH payments I had set up to pull my mortgage payment directly from another bank on a monthly basis. Although I eventually realized there was a problem after reviewing my bank statements several months later, several of my mortgage payments were late due solely to Chase 's own actions, and these late payments are now reflected in my credit report. I attempted to contact Chase to have them resolve the blemish they caused on my credit report, but they would not. I attempted to dispute the issue via a credit reporting agency, but again Chase refused to accept responsibility.
Consumer complaint received 2020-03-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I purchased this property in XXXX for {$65.00} it was an arm buy .The mortgage ballooned to 9.5 % interest rate I have tried 3 times with XXXX  to refinance this loan .I purchased a house in XXXX in which my interest rate in 3.5 % from another lender. Every time I've tired to get the rate lowered XXXX always turn me down .In this time a 9.5 rate is unheard of my credit is not bad either .XXXX  has stuck me with a Predatory loan I had this loan for 13 years I paid XXXX and as of today I still owe XXXXplease help if I could just get it lowered a few points what make XXXX think if I can pay 9.5 % I cant pay a lower interest rate this is not fair at all This loan is being transferred by XXXX to Select Portfolio Servicing on XXXX XXXX
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  XXXX XXXX XXXX  DPT ED/XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s )  below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX  XXXX XXXX XXXX  DPT ED/XXXX  XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX  DPT ED/XXXX  XXXX XXXX
Consumer complaint received 2020-03-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION (OR)

On or about XX/XX/2020 I decided to close a checking and savings account that I had with Simple Finance ( BBVA ) for  approximately 5 months. The service was disgustingly poor and their web banking interface incompetently designed. 

The instructions on their website said to send them a message indicating I desired to close my account and they would reply promptly and close the account. After three business days they failed to reply so I was forced to call them. After speaking with them, they told me it takes them almost a month to close an account even though there is a balance of {$0.00}. They further stated that this delay is due to BBVA requirements.

I want the accounts closed now. I do not want to maintain any account or connection with Simple Finance and / or BBVA any  longer. 

I doubt there is any residual interest due as I immediately drained the account as soon as interest posted for last month. If there is any interest due, they must send me a check.
Consumer complaint received 2024-10-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (LA)

There are FOUR Collection agencies who refuse to give me written original debt validation : XXXX XXXX - {$650.00} XXXX XXXX- {$460.00} XXXX {$160.00} Credence Resource Management- {$410.00} Most recent : Contacted via telephone XX/XX/year> I've contacted XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/year> Disputed with no success. These debt collectors just say I owe, but refuse to give me original written validation of debt from the creditors.
Consumer complaint received 2020-03-17
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: EQUIFAX, INC. (AR)

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$25000.00} DEPTEDXXXX XXXX {$5900.00} DEPTEDXXXX XXXX {$12000.00} US DEP ED XXXX {$18000.00} XXXX XXXX XXXX {$3900.00} XXXX/XXXX  XXXX {$8200.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$2600.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$5100.00} XXXX XXXX {$6000.00} XXXX  XXXX {$1400.00} XXXX  XXXX {$5000.00} XXXX  XXXX {$5500.00} XXXX, XXXX XXXX {$1400.00} US DEP ED XXXX {$44000.00} DEPTEDXXXX   XXXX {$2000.00} XXXX XXXX {$2000.00} XXXX  XXXX {$8500.00} XXXX   XXXX XXXX {$4200.00} XXXX XXXX  XXXX {$4900.00} XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$16000.00} XXXX XXXX {$3800.00} US DEP ED XXXX {$15000.00} US DEP ED XXXX {$7700.00}
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (HI)

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XX/XX/XXXX XXXX
Consumer complaint received 2020-03-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (RI)

I have applied for a conventional mortgage refinancing with Santander Bank. In the process of applying I received a copy of my credit report from XXXX  and learned that the credit score that XXXX  sends to corporate clients is materially different than the credit score that XXXX  shows me in my XXXX  account. Santander 's credit score is XXXX while the credit score XXXX   shows me is XXXX. The difference is material in terms of rates and not supported with any justification. I am an XXXX XXXX and my wife and I make over {$300000.00}. We have paid off all credit cards and revolving credit with the exception of my mortgage and HELOC loan with Santander Bank. During the financial crisis of XXXX-XXXX,  bias in credit report was rampant and I believe that I the discrepancy in credit scores between XXXX  and FICO is the result of XXXX  bias. Additionally, the credit score shown in my XXXX  account is based on a marketing scheme by XXXX  to sell boosting credit scores by upgrading your account to get a higher credit score.  XXXX  is selling one credit score to business and another to individuals in a scheme to make money but fraudulently posting two different scores! This is fraud and given the ensuing financial crisis will result in fewer qualified people of XXXX receiving a good rate on refinancing when it is needed most.
Consumer complaint received 2020-03-17
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. (KY)

For over 6 years now I have been battling identity theft. I have sent Transunion my FTC paperwork my court paperwork, paperwork they asked for and now i am attaching a new and update police report ( this is the 3rd one ) they are still reporting the fraud.
Consumer complaint received 2024-10-14
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. (GA)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2020-03-17
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. (KY)

I am a victim of identity theft that started in 2014, here we are 6 years later and I am still fighting. I have sent in my FTC report, my signed paperwork from a judge and now I will be attaching today a new and updated police report ( this is my 3rd in 6 years ). While Experian had handled the fraud and identity theft much better that the other two reporting agencies they are still reporting some major things that do not belong to me. I am so confused on how I can send in court paperwork, legally signed by a judge clearly stating these accounts are not mine but yet they remove them and then add them right back on or send me a letter stating maybe I reported these in error. NO!!!! MY LIFE AND THE LIFE OF MY CHILDREN HAS BEEN DESTROYED BY THIS! If a court order and a police report clearly telling you these are not mine are not good enough then what is. What they are doing is illegal. They are just as guilty as the person who stole my identity at this point in time. They know these accounts are fraudulent and yet they still keep them on ther
Consumer complaint received 2020-03-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This collection agency put this business credit card on my credit without any notification or letter notifying me of the existence of this debt. They kept calling my work place and leaving messages about this debt with 3rd parties. On XX/XX/2019 they removed this debt from credit bureaus and even though I requested them to validate the debt they did not and proceed to add the collection item back to mt credit with a different account number. I called the original creditor and could not get any information was told it was sold to this collection agency.
Consumer complaint received 2017-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I got an email from capital one saying that I should use my credit card or else they would close it because it was not being used. So, I promptly went ahead and used the card when I went to fill up gas. I had not used the card in a bit as I had lost it while moving and never seen it since. I had also gone into a branch in the interim and they had promised me that they had sent out a card. 

I went to the grocery store today, and my card did not work! On the screen came up something that said DO NOT HONOUR. I was really embarrassed and felt like a criminal. 


Then I called in tonight ( XX/XX/XXXX ) andt he reo said my card d d not work because I had missed a payment which was of course not true. After being questioned over it, the rep admitted hat it probably had nothing to do with that and said the card was closed due to inactivity.
Consumer complaint received 2018-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (IL)

I applied for a Barclaycard on XX/XX/XXXX. I received an email stating that I would be contacted with 10 days about the status of my application. By XX/XX/XXXX I had not been contacted so I looked it up myself and found that I was denied. As I make enough income and have credit in the upper 700s, I was very confused as to why I was denied. The notification stated that I was sent a letter explaining my denial, which I never received. I tried contacting several numbers and each one either required a credit card number to continue, or the representative told me they could not help me. I was finally given a number to call that should work, so I tried that. The first day I was on hold for 3 hours before I had to take a work call. The next day I was on hold for 2 hours before I had to take a work call. As someone who works in the lending business, I know that Barclays needs to provide me with an Adverse Action Notice which I did not receive. There is also no way to contact Barclays unless you are already a customer.
Consumer complaint received 2017-11-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Navient is my loan servicer for loans taken out in XX/XX/XXXX-XX/XX/XXXX. They most recently failed to inform me that my loans were being transferred to usa funds. I am currently waiting to start XXXX school in XX/XX/XXXX. Everything was fine and up to date, I had been awarded federal pell grant. And then just a couple weeks ago XX/XX/XXXX to be exact my loans were declared in default. I 'm a single mother who attended a fraudulent for profit art college. I 've just recently filed for borrower defense loan forgiveness. But I 'm aware of the fact that this current administration has n't stood up to their responsibility to help us students that have been defrauded. Dept of education collected millions of dollars from my school for fraud and they are still holding me responsible for the debt. So it 's a win win for them. Ok so I 'm waiting for that to go through. But in the mean time I had my federal funding pulled for XXXX school because Navient was trying to pull the wool over my eyes. I obviously would n't have defaulted knowingly since I have school starting in XX/XX/XXXX. So XX/XX/XXXX default, and Navient reps are saying there is nothing they can do I have to deal only with collections. Collections only wants their money and if I am unable to make outrageously high payments to them before XX/XX/XXXX they will add 25 % of total loan amounts on to existing loans further compounding my problem. They do n't even consider income sensitive payment option. Let me say this again, I 'm a single mother raising XXXX XXXX trying to go to school, fulfill a dream and make our lives better. I work waiting tables but my XXXX program suggests we not work or work very little. So without funding from my pell grant I am finished. I worked for years on prerequisites for XXXX. Never taking out loans or taking federal money. And now navient declared me in default because I was unaware they were transferring loans has sealed my fate. And right before school starts. I do n't know if I even have time to get this worked out. But navient has fraudulent shady practices on top of my for profit college taking advantage of me just adds insult to injury. I 'm at a loss.
Consumer complaint received 2017-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (AZ)

I have contacted XXXX XXXX XXXX in regards to a Discover credit card account ending in # : XXXX that was opened fraudulently in my name and someone using my personal information. Discover continues to hold me liable for the fraudulent account and charges that arent mine and dont belong to me. I contacted my 2 U.S. Senators from Arizona, Senator XXXX XXXX and XXXX XXXX and informed them of this matter. Senator XXXX and XXXX sent me a letter and informed me that they will look into this matter, contact XXXX XXXX XXXX seeking a resolution to this matter, and possibly call senate confirmation hearings for executives from XXXX XXXX XXXX to appear at senate confirmation hearings due to receiving similar complaints from other constituents in their district.