davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I closed my Kohl 's account on XX/XX/2019. After closing my account they have added comments to my credit reports that are unexplained. XXXX  has " Comment : Closed - Dispute resolved ; consumer disagrees/account closed by consumer ] '' XXXX has " [ Comment : Closed - Account closed at consumer 's request, Account closed at consumer 's request and dispute investigation completed - consumer disagrees ]. '' XXXX  has something similar but Kohls has now disappeared from that credit report as a closed report. I have contacted Kohl 's multiple times, however, they are not able to tell me what or when a dispute had occurred. I have never disagreed with anything that has occurred between Kohl 's and myself. I did a Dispute in the past few weeks, but after the investigation the credit bureaus stated that Kohl 's continues to say that the comment is correct. I am not sure what to do next to get these comments removed from my reports.
Consumer complaint received 2018-11-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

The servicer ( Select Portfolio Servicing, Inc ) refuses to accept my payments.On XX/XX/2018, I tryed to make a {$1000.00} payment which is more than one payment ( My regular payment is {$690.00} ). The servicer ( Select Portfolio Servicing , Inc ) Refused to accept my payment. The servicer is purposely not accepting my  payments and is trying to take away my home through foreclosure. Please help!
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 USC 1681. 

Account name : XXXX, Account number : XXXX. Account name : XXXX XXXX, Account Number : XXXX. has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish 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 inaccurate.
Consumer complaint received 2022-03-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (CA)

Hi, I have been in contact with Truist for the last two weeks trying to access my online banking in order to make changes to my mortgage payment and access needed documents to file my tax return. I have spent over 16 hours on the phone with Truist and they are unable to grant me access to online banking and can not make the changes to my mortgage payment, which benefits them. I would like to increase my principle payment.

I have asked to speak managers each time and have been disconnected when I ask to do this. 

I am beyond frustrated and I think it is criminal they are denying me the ability to increase my principal payment on my loan. 

Cheers, XXXX
Consumer complaint received 2019-09-02
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: JPMORGAN CHASE & CO. (OH)

XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX  XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - Jpmcb Card Service XX/XX/XXXX - XXXX XXXX   XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - Jpmcb Card Service XX/XX/XXXX - Jpmcb Card Service XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX Fraud Inquiries. They won't remove
Consumer complaint received 2018-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

Ocwen has not responded to us regarding a payment that they incorrectly input into their system. They have not confirmed that they corrected the XXXX payment and made the adjustment to {$2400.00}. I got an email saying that you and ocwen had closed my complaint because it was a duplicate. BUT it is not a duplicate complaint. They incorrectly processed my payment and have not fixed it. Also, they said that they would send me an email with confirmation that they incorrectly made a mistake so I can provide it to our bank but they did not do that either.
Consumer complaint received 2017-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

There has been several hard inquires that I did not authorize and they refuse to validate the applications and remove if no application for credit is verified. 


XXXX XXXX Date Filed XXXX/XXXX/XXXX Type XXXX Phone Number MAIL ONLY Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type All Banks Phone Number MAIL ONLY Address XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Personal Loans Cos. 
Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Filed XXXX/XXXX/XXXX Type Miscellaneous Reptg. Agencies Phone Number Address
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX/XXXX account number XXXX High Balance is reflecting XXXX dollars however the balance due is reflecting reflecting {$520.00}. The highest balance being lower than the balance due doesn't make sense. This is a violation of the FDCPA delete immediately I disputed with XXXX, Trans Union, XXXX and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is a violation of the FDCPA and needs to be removed.
Consumer complaint received 2019-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC (GA)

Security Credit Services contacted me about a collection account from the appliance service XXXX , XXXX. They stated it was for small amount of {$39.00}. My wife talked to the representative and agreed to pay the debt as long as it would not be reported to my credit. The representative agreed and took the payment. This was the first phone call received from this collection company so no other attempts were made by them and none ignored on my part. Security Credit Service collected payment from me for the debt and proceeded to violate a verbal agreement, which is legally binding in the state of Georgia and still reported the collection to my credit as a PAID collection with a XXXX balance. How negligible to report a small balanced collection after a payment was received without fuss and we were told it wouldn't go to my report. Technically, I didn't received what I paid for and this is considered FRAUD. I'm will be taking legal steps to file in small claims court if this matter is not resolved and removed from my credit. A claim with my bank will also be made for the small figured amount since it's a fraud transaction if I do not receive what I paid for.
Consumer complaint received 2018-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I opened a checking account with HSBC online on XX/XX/2018 as a part of he {$350.00} promotion, was able to setup online and mobile app access on the same day. After that I made two {$5000.00} mobile deposits, one on XX/XX/2018 and another one on XX/XX/2018. 

On XX/XX/2018 I received a message from HSBC Fraud Prevention Department, reference number XXXX asking to call back and verify my identity. The message specifically stated that the department is available 24 hours a day, 7 days a week.

On the same day I had called back around XXXX CST and after 15 minutes of wait was told the the Fraud Prevention Department 's hours XXXX XXXX EST and the usual wait time is 30 minutes. 

I called back again at XXXX CST/XXXX EST and after waiting 41 minutes without getting to anyone had to hang up. 

Called back on the same day around XXXX CST/1XXXX EST and after waiting 51 minutes without getting to anyone had to hang up again. 

As I am writing this XX/XX/2018, XXXX CST, I've been waiting for 20 minutes so far. 

My account is disabled and I am unable to access it online or through the mobile app with {$10000.00} sitting there. 

By far, the worst customer service I have experienced.
Consumer complaint received 2022-03-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Hi. Please help me with these accounrts I am reporting. They have been included wrongly in my account and it has already casued me so much distress since they are hurting my credit scores. The bureaus do not want to delete them no matter how i explain this to them. Please
Consumer complaint received 2022-03-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Hi. Please help me with these accounrts I am reporting. They have been included wrongly in my account and it has already casued me so much distress since they are hurting my credit scores. The bureaus do not want to delete them no matter how i explain this to them. Please
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XXXX 's account number XXXX High Balance is reflecting XXXX dollars however the balance due is reflecting reflecting {$1000.00}. The highest balance being lower than the balance due doesn't make sense. This is a violation of the FDCPA delete immediately I disputed with Experian, XXXX XXXX, XXXX and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is a violation of the FDCPA and needs to be removed.
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NV)

In XXXX, I had a Chase Sapphire Reserve Card. We cancelled the card at the end of XXXX as it was a travel card, and no one was traveling during the pandemic. One of the charges on the card for a cruise line was refunded. Chase decided to send the refund back to us in the form of a check in the amount of {$19000.00}. 

That check was never cashed and misplaced. When found, after a year, the check was no longer valid and expired. I still have the check in my physical position if needed. I contacted Chase on XX/XX/XXXX, regarding the situation and an Agent from the Payments Team said that I would receive a new check, which I never got. I called again on XX/XX/XXXX, and spoke to Agent XXXX from the Payments Team, who said that he would put a rush on payment, but the check was never received. Finally, I contacted Chase again on XX/XX/XXXX and spoke to Agent XXXX ( they will not provide last names ) from the Payments Team. For whatever reason, Chase can not tell me if another check was ever sent or processed. I indicated to XXXX that would file a claim with CFPB and also explore other options available to me. 

In short, Chase legitimately owes me {$19000.00} but its process and bureaucracy seems unable to process a new check nor inform me of the status. Since the account is closed, Chase seems unable to create a customer service thread, therefore every time I call I need to revisit the entire situation. I really need your help as it is a lot of money and I am not getting anywhere with Chase.Thanks for your consideration asn assistance!
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX Account Type : Open Account Open Account Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$610.00} {$610.00} Last Reported : XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-11-07
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. (TX)

I have disputed the student loan XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX accounts with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal
Consumer complaint received 2018-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Control Technology, Inc. (NC)

Company : Account Control Technology XXXX Debited out of my account on XX/XX/18 after a recorded phone call. 

This collection is for tuition debt to XXXX University in the amount of {$2100.00}. I paid my collection on XX/XX/2018. I was told by the representative that the collection would be removed from my credit report. He stated the " School '' would remove it. The call was recorded. I had moved and did not receive notification of the debt until it hit my credit report. 

The collection has not been removed from any of my credit reports, it still reports to all three. The school said they have nothing to do with it being reported, that it is being reported by the collection agency. The collection agency says it's the school. Per the attached file it is being reported by Account Control Technology. 

It was promised it would be removed once it was paid and should be removed as they said would happen in the recorded phone call.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The following were unauthorized hard inquiries that were made to my credit report. 

XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

Comenity bank for Victoria 's secret enrolled me in paperless billing without me checking a box. I paid a balance online and they must have enrolled me in paperless billing even though I never checked a box to be enrolled in paperless billing. I would never do that, I hate paperless billing because I receive so much spam, I could miss a bill.The next month, I went to Victoria 's Secret and made a purchase. Two months later I get a call from Comenity that I am late. I never saw a bill, it could have gone in my junk box or they never sent it, who knows? They assessed {$28.00} ( first month ) + {$39.00} ( second month ) in late fees and {$2.00} in late charges. The lady on the phone lied and said that she would waive the late fees but not the finance charges which she said was only {$1.00}. So I paid the balance immediately over the phone and requested to be removed from paperless billing, I did not have access to my online account at the time. When I got home, I realized that not only did she not waive any of the late fees but she also kept me enrolled in paperless billing. I then un-enrolled myself from paperless billing and closed my account over the phone. I have received no confirmation that my account is closed. Its still showing that I owe {$39.00}, the second late fee.
Consumer complaint received 2019-09-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Levy & Associates, LLC (OH)

I have requested proper legal documentation from LEVY & ASSOCIATES LLC ( XXXX XXXX XXXX ) XX/XX/2019 XXXX XXXX. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT.
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AL)

To Whom it May Concern, On XX/XX/XXXX, I spoke with both XXXX & XXXX XXXX in regards to a collection account placed with CCS for XXXX in which I do not owe. I am requesting a validation of debt in which as XXXX stated on a recorded line I am being charged for canceling before my contract term & that discounts were removed, which is untrue. Im being charged for an additional month in which I did NOT have insurance with XXXX. 

I sent a SIGNED cancellation on XX/XX/XXXX - my policy # XXXX was not cancelled and payment was still auto-drafted on XX/XX/XXXX. 
I called on XX/XX/XXXX and had the policy cancelled, receiving email confirmation on XX/XX/XXXX. They stated that they would refund me for the auto-draft as it was in error. I disputed with my bank because I DID NOT AUTHORIZE the transaction and per my cancellation letter, I revoked all authorizations and contact with XXXX. 
I received another cancellation confirmation on XX/XX/XXXX. 
On XX/XX/XXXX, I received a notification that my payment was not successful which is because I won the dispute with my bank and the funds were returned. I revoked authorization prior to XX/XX/XXXX when the payment was taken. 
On XX/XX/XXXX, I received a cancellation notice for non-payment of the {$180.00} premium for the same policy number # XXXX. It was stated that this policy would be cancelled XX/XX/XXXX but previously, it was been cancelled via both verbally and written communication. I was sent two confirmations of cancellation on both XX/XX/XXXX & XXXX. 
So I was charged for an additional month at the rate of {$180.00} in which I did NOT have coverage with XXXX. 

Who authorized my policy to restart for an additional cancellation on XX/XX/XXXX? I did not. In response, I am requesting full validation and investigation of the cancellation process after I 1 ) sent in written cancellation & 2 ) confirmed verbally on XX/XX/XXXX that my policy would be cancelled. 

I will be needing these items sent to my home : - [ ] The declarations page between XXXX & myself showing where cancellation fees are charged and discounts are removed once the policy is cancelled. 
- [ ] A full file review of my policy with acknowledgement of who authorized policy # XXXX to restart once cancelled on XX/XX/XXXX by me, the Name Insured. 
- [ ] All notes placed on policy # XXXX I have taken the test to write insurance policies and I have worked continuously with my insurance company for 5+ years. I am very aware of what is written in an insurance policy as I create them. 

I am not liable for insurance coverage that I did not receive nor need. I am not liable for a charge that I revoked authorization on and was still processed. 

XXXX XXXX XXXX
Consumer complaint received 2022-06-17
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX  days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-03-30
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: EQUIFAX, INC. (TX)

Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX according to FCRA ( 1970 ) 15 U.S.C 1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize. 15 U.S.C. 1681 section 602 A States I have the right to privacy.