davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NV)

What the pandemic started and my capacity to earn money was disrupted, I requested forbearance, I was assigned to XXXX XXXX, the forbearance was approved for XXXX, XXXX, XX/XX/2020. In XX/XX/2020, I requested for another 3 months forbearance, I understand that it was approved for XXXX, XXXX, XX/XX/2020. In XX/XX/2020, I again requested for another 3 months extension and that the case was assigned to Ms XXXX XXXX, I spoke to her over the phone and she said that I will have to send {$2000.00} with a copy of my bank statement which I complied the company returned the check. I then called the company and I informed XXXX XXXX that I am in New York sick as I am diagnosed with XXXX XXXX at XXXX XXXX XXXX under the supervision of XXXX  Dr. XXXX XXXX. Mr. XXXX, told me to deposit the check in my account and he wants that by phone, I have to pay {$3900.00} to approve the the requested forbearance for XXXX, XXXX and XXXX that I requested. I did not comply as the procedure seems to be not normal. I am scared of losing my house as what I did is to sell my old house and use the entire proceeds of {$150000.00} plus another {$50000.00} for home improvement and the Covid 19 came. I am thinking of refinancing the house through reverse mortgage if I can qualify Lender SHELLPOINT MORTGAGE. 

XXXX XXXX advised me to disregard the alarming letters which he said automatically generated but Ms. XXXX letter intend to foreclose the property and the company is sending me mixed messages. 

I would be glad if the money I owe during the pandemic be placed at the end of the loan before its maturity
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (CA)

I was robbed on XX/XX/30 took me seven days to get a live person on the phone I have my call log to them then I was told some documents were being sent and would take 3 to 5 days this was on the XXXX I get on the XXXX I fax it over I had until the XXXX to get them in. So I call this morning and they already closed my dispute I have done some investigation of my own and these people are on camera using my card and I dont get my money back. This direct Express card needs to be taken off the market.
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (MI)

From XX/XX/XXXX-present Ford motor credit continues to report late payments on my account every late payment on my account has been disputed and is not accurate they refuse for removed it and continue to attack my credit. Bring my score down. I am Not able to make payments on the car they have blocked me from paying on the car the car was totally out XX/XX/XXXX has been with the insurance sinceXX/XX/XXXX besides documentation and communication Ford Credit motor company refused to work with me and think i have The car when i do not have the car they contacted me harassing making fase statements on my credit report. 

I am Trying to resolve this matter they should be in contact with the insurance company they have the car and was trying to sell it. They have been calling car shops for the car i never Been too, family members & friends asking about this car i do not have. Constantly reporting late payments constantly making the balance higher fees higher late payments knowing i do not have the car and the car has been a total loss for over three months how is it legal for me to not have the car the car be told to me by the insurance company & ford credit motor company that it is a totally loss yet balance keep going up & they refuse to work with me & any way to resolve this matter. 

I am Trying to figure out where the car is & make payments arrangements & get a lawyer because they are treating me unfairly and stilll harassing Me and reporting untrue things on my credit report. This matter dealing with the insurance company and ford motor credit and  they way they have treated me and how i how Lost my car and independence has send me into a deep XXXX i have been hospitalized they know this and they know I do not have the car they know I am not trying not to pay my car note or avoid payments yet they still call non stop, ask me the same questions over and over again, call my job, boyfriend harass me and send me into a deeper XXXX. 

This is the third car i have Had with Ford i am a loyal customer i have Paid off two other cars drove fords for over 10 years. Was an employee my family has workers there for over 40 years mate over 10 years and this is how they treat you terrible all they care about is money. Said they would waive all late fees they said no we wont they keep saying different things now they are refusing everything and being rude to every one i have had call on my behalf. They know the conditions of the car they know the car is not driveable they know it is totally out they know i do Not have the car the insurance company does! Yet they constantly call me for it i can No afford to pay the whole car note because i still Have to get around but i can Still pay something but they will not allow me to they are being so disrespectful and hard to work with and i dont understand why!
Consumer complaint received 2022-01-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Kashable LLC (PA)

I paid off my loan with XXXX Kashable in XXXX of 2021, however due to issues with our systems at my agency being hacked, and my govt ID needing to be reset, I was unable to stop my financial allotment. I mentioned this to XXXX Kashable and they were able to refund my allotment payments. On XXXX, I was able to gain access to the system and stop the allotment. I contacted XXXX Kashable and provided them this documentation, however despite this, they are holding my funds arbitrarily, and state they will not issue my refund ( s ) despite me fully paying off my loan and providing documentation that the allotment was stopped, and why there were issues with it.
Consumer complaint received 2015-07-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX. XXXX and I live atXXXX XXXX XXXX XXXX, XXXX, CA XXXX. I have not received an answer from the Chase bank as to why they paid XXXX to anyone in my name. Since 2007, I have asked for this information and to date the ChaseHomeMortgage dept. has not rendered same to me. Please advise.
Consumer complaint received 2021-05-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Since XX/XX/2021 Capital One has been attempting to collect a {$500.00} credit card debt from me that is not valid. Capital One has also violated my consumer rights by sharing my private information. Also i have been charged interest which is another violation of the Fair Debt Collection Practices Act. I've attached a document showing the violations committed by capital one The following violations have been done here : 15 usc 1692 ( 5 ) 15 usc 1692f ( 1 )
Consumer complaint received 2022-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On or around XX/XX/2022, I received mail from Portfolio Recovery Associates , LLC. In the envelope was a form that was quite disturbing to me. It included my name, address, and the advertisement of sale of an alleged debt. In response to that, I immediately notified XXXX, XXXX, and XXXX that I had been a victim of identity theft. I also sent Portfolio Recovery Associates , LLC a letter ( Certified Mail ) stating that I have been a victim of identity theft and stop furnishing on my consumer file or to validate the alleged debt. Portfolio Recovery Associates , LLC responded by sending me random billing cycle statements that I have no knowledge of. Also included, was a letter allegedly from XXXX XXXX saying Portfolio Recovery Associates , LLC now owns my alleged account. Portfolio Recovery Associates , LLC did not provide any valid proof that I owe them any alleged amount. In addition, Portfolio Recovery Associates , LLC, are in violation of several 15 U.S. Codes and I have notated them in order to receive monetary relief because my credit file is being suppressed by reason of this. I have provided several documents of proof to support my claim.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX repeatedly and deliberately put profits ahead of its borrowers it engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back, and placed an unfair burden on people trying to improve their lives through education
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX repeatedly and deliberately put profits ahead of its borrowers it engaged in deceptive and abusive practices, targeted students who it knew would struggle to pay loans back, and placed an unfair burden on people trying to improve their lives through education
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

15 USC 1681 im in the process of buying a house and this credit report is defamation to my character and livelihood for this credit report be inaccurate. i noticed unauthorized inquiries on my credit report that i would like removed. According to the FCRA, these unverified and unauthorized items must be removed. XXXXXXXX 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 XXXXXXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX child sup has incorrect information on my credit report that also is causing damage to my livelihood. I've been denied careers and business opportunity due to inaccurate credit reports.
Consumer complaint received 2022-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

I made several large purchases on my Chase credit card amounting to around XXXX dollars and then proceeded to pay off that balance from my checking account the following day. 

The payment was processed and it was reflected on my account, however, Chase will not release my credit even after the balance has been reduced to near zero even after one full week. 

This leaves me unable to use the card as I have near-zero available credit on the card even though I have fully paid off the balance. 

When I contacted Chase, they claimed that the payments were " floated ''. After multiple correspondences, they asked for proof from my checking account that the payments have been sent from my checking account. I proceeded to send them the transaction statements from my checking account, and then chase proceeded to ignore my communications. 

This should be straight forward, the money left my checking account, Chase has received the money, the money has cleared and posted the account and is accurately reflected in the balance, but somehow my credit limit does not reflect the payment.
Consumer complaint received 2018-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have already contacted the bank and they have resolved this issue and refunded the interest fees.

This is informational, so that others do not run into the same trap.

When scheduling AutoPay through Bank of America bill payment, there are 4 options in the following order Select an amount Amount Due Minimum Amount Due Account Balance Fixed Amount One would assume that the second option ( Amount Due ), would result in a payment that equals the last statement balance, however it will actually on pay the minimum amount due. 

In my opinion, these options are confusing and setup so that the consumer pays the minimum and gets charged a interest fee. Most consumers will not call in to dispute this. That is what the bank is relying on.
Consumer complaint received 2022-01-24
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IL)

Hello, I am desperately trying to clear up student loan issues with Navient. They have me taking out loans at XXXX XXXX XXXX, where I have NEVER taken courses from. There are 4 loans in the following amounts paid to XXXX XXXX XXXX. in my name : 1 ) {$11000.00} 2 ) XXXX 3 ) {$17000.00} 4 ) {$30000.00} My credit score has been very affected by this and I'm trying so hard to be able to get my official student loans in a place where I can manage paying them back. 
Also, in 2012, ten years ago, I submitted all of my Teacher  Loan Forgiveness signed forms and have been fighting ever since them to get the releif from my years of teaching service in very low performing schools. 
Currently, I am working in a very low performing school in XXXX Public Schools as a XXXX XXXX. XXXX, trying to organize a way to pay back my loans and with the hopes of getting a portion of them forgiven, however, all of the above loans are to a Univ. that I have NEVER attended. I would appreciate it if you could please investigate this and help me to resolve this matter. I have nothing from this Univ. on my transcripts and can request them to be sent to you if needed. 
Please contact me and help me to resolve this issue please! 
Thank you, XXXX XXXX Former Names ( XXXX XXXX, XXXX and XXXX ) SS ... XXXX
Consumer complaint received 2022-01-24
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. (AL)

XXXX reported a collection to the 3 credit bureaus. I am not sure that collection is mine, however I did pay the collection and have attached a receipt showing it was paid on XXXX. The collection company told me ( See attached letter ) that they will remove the collection off of my credit report. As of today, the collection not only shows on my credit report, but also still shows the balance as not paid ( See attached paperwork ). This should have been removed and updated as paid but still has not been done. I have contacted XXXX about this and they stated I need to have the credit bureaus remove this.
Consumer complaint received 2021-05-12
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. (PA)

Hello, I submitted a dispute with Experian on XX/XX/XXXX regarding incorrect late payments reported by XXXX on my credit bureau ( see attached ). In my letter I asked specific questions regarding these late payments and how they were reported. Never received a response. On XX/XX/XXXX, I sent another dispute ( see attached ) requesting additional information to which I never received a response. On XX/XX/XXXX I sent a third dispute ( see attached ) requesting the information again. I received an email saying their were dispute results, however the link does not allow me to see any results ( see attached ).
Consumer complaint received 2016-08-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

I HAD CHANGE DECREASE IN INCOME, OWEN SUGGEST I QUALIFY FOR A MODIFICATION LOWER MY PAYMENT TO AFFORD IT. IVE BEEN TRYING FOR XXXX MOTHS TO NO SUCCESS. OWEN DENIES ME WITH I KNOW I QUALIFY XXXX % OCWEN STATES IT MY " INVESTOR WHO OWNS MY LOAN WONT HELP ME???????? MAKE S NO SENSE WHY WOULD OCWEN TELL ME I CAN GET A MODIFICATION TO HELP ME WHEN THEY INSIST MY INVESTOR WONT HELP! PLEASE HELP
Consumer complaint received 2022-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 16811 ), I am practicing my right to challenge questionable information that I have found on my credit report. I previously request debt validation via certified mail and advised that I am a victim of identity theft. Your office failed to respond to my debt validation request. For the record, I have no knowledge of this account. I am a victim of identity theft and did not open this account. 
I am requesting that the accounts be removed from my personal credit report, as this account was opened fraudulently. I have placed a fraud alert on my credit profile to prevent this from happening again. Please restore my credit back to good standing by removing these accounts ( XXXX & XXXX ) which I did not open.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 I login to my account and it was locked ... advised to call customer service to find out what happened. I called, spoke to a representative and ask questions about my current balance of almost {$3000.00} and 9 claims pending. I was not given anything and makes me more anxious about what is happening to my money and claims.
Consumer complaint received 2022-04-09
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I consumer XXXX, am submitting a complaint against company Portfolio Recovery for violation of federal law 15 USC 1692g repeatedly. I requested a validation of debt and cease and desist all communications in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Every time they responded they only provided 1 and 2 of the 5 requirements of the law. The company may be able to claim that have the right to receive payment of the balance but they absolutely have no right to report such negative items on my consumer reports. I never gave them written consent to report anything on my consumer reports. Also, by continuing to report these negative remarks on my consumer reports they are violating my request for cease and desist by indirectly communicating these alleged accounts on my consumer report. I am requesting that the company Portfolio Recover immediately delete such reporting off my consumer reports. Below it clearly states what the laws says is required to properly validate an alleged debt. 
( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Consumer complaint received 2022-01-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I have repeatedly been called during work by Capital One Credit, and they also helped cause me to be terminated from my employment at USPS in XXXX Wisconsin, becuase I would get upset and yell at them. They have done this since XXXX of 2021. They also when setting up the account had me photograph and send them my dirver 's license, which is a Real ID license. I feel this is illegal. Real ID should not be copied or Photgraphed ever.
Consumer complaint received 2022-01-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding my student loan ( CAPITAL ONE BANK USA N A, XXXX XXXX XXXX ). The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?