davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: JPMORGAN CHASE & CO. (OR)

Had 2 more calls about collecting a debt from chase, I have no accounts of any kind with chase nor will I ever. 
They are rude XXXX XXXX XXXX voicemail on this one said they would come to my house and arrest me.

Voicemail transcription : House __ you get arrested please press one to connect are concerned officer to resolve this matter thank you
Consumer complaint received 2020-07-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (PA)

TOnight at XXXX is the deadline for my company to submit much needed funds from the PA XXXX Certification for Covid XXXX relief. I need to link my bank account for transfer and the system said 'this service may not be available. ' Seriously? I stand to lose XXXX $ grant over a glitch in your system.
Consumer complaint received 2023-03-10
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: OneMain Finance Corporation (AZ)

In accordance with the fair credit reporting Act XXXXXXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Consumer complaint received 2018-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

My mortgage loan was transferred from Capital One to XXXX. We paid XXXX the XX/XX/2018 payment. Apparently the transfer didn't happen until XX/XX/XXXX Capital one reported this as late I have filed a complaint and sent all information to Capital one and XXXX I have proof of payments
Consumer complaint received 2021-04-12
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. (GA)

I checked my Equifax report and seen this account all reported by Equifax the same day, I believe that equifax made a mistake reporting. This is not my account. Speaking to the original creditor, no knowledge of who this was. I did file a XX/XX/XXXXwith the FTC reference # XXXX Collection Agency XXXX XXXX XXXX  Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$350.00} Amount {$350.00} Status Date XX/XX/XXXXXXXX StatusXX/XX/XXXX Date XX/XX/XXXXXXXX, XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # XXXX XXXX XXXX XXXX  Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX
Consumer complaint received 2022-02-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (GA)

Medical Data System l reported a collection account to my credit report without my written consent. Medical Data System used my personal information and damaged my privacy without my authorization. My identity was stolen and Medical Data System l has committed fraud, which is a federal violation.

It is against federal law to furnish any medical information. It is a HIPPA violation and any medical reporting should be excluded.

15 US CODE 1681a ( d ) ( 3 ) ( A )
Consumer complaint received 2021-05-24
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. (IL)

This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Consumer complaint received 2020-12-02
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: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX, TX XXXX -- -- - XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- ALL THESE ADDRESSES ARE NOT MINE ***FCRA Violation -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX {$8700.00} XXXX XXXX XXXX {$320.00} XXXX XXXX/XXXX XXXX {$590.00} XXXX  XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$1000.00} < -- - ALL THESE ACCOUNTS ARE NOT MINE. FCRA Violation
Consumer complaint received 2018-10-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc. (WA)

I was out of the country during the XXXX and upon returning in XXXX I received a letter from XXXX XXXX, on behalf of XXXX XXXX attempting to collect an unknown debt. Their letter was dated XX/XX/2018. However, due to delayed mail and my absence I did not have 30 days to dispute said debt. I called them immediately and requested for a delete for payment. They were not accommodating. They advised me to call XXXX XXXX. I called XXXX XXXX because I was never even aware of the debt to begin with. It was a final bill from the sale of a home in FL. I live in XXXX. I never received any bill from XXXX XXXX ( my previous bills were e-pay, but upon closing account I lost access ) and XXXX confirmed that they had an erroneous mailing address. I had no idea this bill was even owed and should have been given the opportunity to pay it in full. XXXX neglected to mail it to the correct address and closed my online account so I had no access. 
XXXX XXXX failed to give me 30 days to dispute this debt. I mailed XXXX XXXX on XXXX XXXX a written request to delete this from my credit and give me the opportunity to pay, but I have not heard any response from them. This is the only derogatory mark on my credit and I was never given an opportunity to pay.
Consumer complaint received 2017-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

I am a XXXX XXXX and my financial planning is based on the assumption that I will be eligible for PSLF after 10 years of repayments. 

I left one XXXX to start at another XXXX in the beginning of XX/XX/XXXX. My payment date for that month was XX/XX/XXXX, which happened to be the Sunday between my last day at the former job and my first day at the new job ( I worked Monday through Friday at the former job, kept that schedule at the new job, and took no break in between jobs ). 

XXXX XXXX told me that I was therefore unemployed at the date of my payment and that payment would not count towards my PSLF requirements. 

This is obnoxious and unethical. If I chose to make the payment a day later, it would have counted, so I am essentially being penalized for paying my payments on time. 

I could have simply wrote on my employment certification form that my last day of employment was that Sunday, even though I work Monday through Friday, and that would have been fine. But because I chose to be responsible and honest, I am being punished by an irresponsible and dishonest loan servicer with zero accountability to the public. 

Furthermore, to consider me " unemployed '' for not working during the weekend when I have been consistently employed full-time with NO gaps in my employment is pure nonsense. 

I have spoken to multiple people at XXXX about this issue and they have told me there is nothing they can do. According to them, this is my fault - I should have known that they would have considered me unemployed for not working on that Sunday, and rescheduled my payments accordingly. Evidently and counter-intuitively, making things easier for everyone involved by enrolling in automatic payments and paying my payments on time is frowned upon by the loan servicer. 

Any assistance with this issue would be greatly appreciated. The fact that XXXX gets away with this behavior and there is no way for the public to hold them accountable when they are the sole servicer appointed to handle PSLF is entirely unethical.
Consumer complaint received 2021-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One 's two step verification process is nonresponsive and would not send the verification code to the landline phone number I have on file. 

today XX/XX/21 I tried contact customer service regarding the issue and recieved no help whatsoever.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, I wrote a dispute letter to TransUnion & XXXX  & XXXX   credit bureau, asking for verification of a XXXX XXXX account thats being reported on my TransUnion & XXXX  credit report per 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. ( Verification Letter Attached ) The verification letter was sent certified mail and was received on XX/XX/XXXX by TransUnion & XXXX. ( Delivery certification letter confirmation attacked ). 
On XX/XX/XXXX I received a letter stating that TransUnion & XXXX   investigation was complete. After reviewing the report, TransUnion & XXXX stated that Outcome : Remains. This item was not changed as a result of our processing of your dispute. ( TransUnion report page 1 and 2 attached ) After reviewing my report, I did my own investigation and placed a call to XXXX XXXX to see if they had any information on me for this account. On XX/XX/XXXX I placed a call to XXXX around XXXX XXXX  and spoke with a representative name XXXX ( AKA XXXX no employee number was given. He indicated that they have no information on this account, because they sold it to a third party on XX/XX/XXXX. 

After placing the call to XXXX XXXX, I knew that TransUnion & XXXX  was in clear violation of the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. 
I am very concerned about the validity and accuracy of TransUnion & XXXX  investigation, as this inaccurate item remains on my credit report, which is a clear violation of the FCRA. 
If TransUnion & XXXX  had investigated properly, rather than using a e-Oscar system, they would have known, that this account does not exist per XXXX XXXX, but TransUnion & XXXX  claims to have verified this account was accurate. 

It is at this time that I will point out that in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form through the e-Oscar system that does not even contain the reasons for my dispute is not reasonable.
Consumer complaint received 2023-03-10
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: JPMORGAN CHASE & CO. (CA)

In accordance with the Fair Credit Reporting Act, this creditor, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency Connot furnish an account without my written consent.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2020-12-02
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. (TX)

I filed a dispute against XXXX XXXX XXXX  early XX/XX/2020 when I noticed it appeared on my credit. I had no knowledge of nor was I informed of the debt prior to submission on my credit report. Upon my investigation I found out the it was a 3rd party attempting to collect a debt on a account ( XXXX XXXX  university ) that was already REMOVED from my credit as it was proven to be a result of identity theft. The removal of that account was over a year ago. in response to my complaint, XXXX XXXX  responded via cfpb that indeed they did not have verification proof of the purchased account, agreed to stop collection. The credit bureaus however claims that the information is accurate and reporting correctly but will not provide me with proof of validation. The credit bureaus could not have been provided with evidence of validity if the actual company admitted to NOT having validity themselves. This is an attempt to collect an identity theft account and need to be removed urgently. There are police reports, FTC reports, XXXX cases, numerous CFPB claims and the actual federal government has actually dismissed the loans associated with XXXX as I have NEVER attended this university. Remove this account from my credit.
Consumer complaint received 2023-03-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

I entered a mortgage forbearance during XXXX. i reached out last year and made a payment to start back my loan payments. Was told the program was not complete yet and I had plenty of equity to use money for other things like paying off bills. And, that the payment I paid didn't matter and would go to the back of the loan. Made another payment this year to start back mortgage payments and was also told the forbearance ends in on XX/XX/XXXX. At the start of the program I had the option to resume payments when comfortable and put outstanding amount on the end of loan. I could refinance loan and pay higher payment. Lastly, pay three lump sum payments which I can't afford. The only option they are giving me is lump payment of {$46000.00} dollars. I have a good job and can easily resume payments. also, I have about {$250000.00} in equity. I cant get a loan from anyone because I wasn't allowed to make three consecutive payments. My interest rate is 4 % and if I am forced to refinance I will have a lot higher interest rate. I feel like I was set up to lose my home and the only option I have is to pay the lump sum. Can you please help me? We can't lose our family home.. Thanks so much.. XXXX XXXX XXXX 
The Company is Rushmore Lending.
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Bureau is reporting inaccurate information on CCB/XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2022-04-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NJ)

I signed a document for my mortgage modification with a 3 % interest rate. I am told 1. They needed it back sooner 2. That there was a page that had my signature where it should display the notary. 
There was no set deadline on the paperwork and I and my family was sick so it did take me longer than these things normally take. I asked to get the signature issue corrected and I was advised that I could not abs that I needed to go through loan modification again which mean losing my 3 % interest rate and getting an interest rate of 4.8 %. This mean an almost $ 500 monthly increase in my mortgage. 
I would add I had been paying the rate at 3 % for about 5 or more months. 
I asked for a review and yo escalate this and I was told it is not possible and there was no review process available.
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

When I apply for credit related things it comes up I am deceased. But for state and federal filings it does not it seems. My father passed away 14 years ago and since then alot of credit things of his and mine have been mixed or me reported dead. I was told you can help with this.
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (TX)

Well Fargo Business Credit Card has a due date on the card of XX/XX/XXXX but had a closing date XX/XX/XXXX. I made a payment XX/XX/XXXX, and they applied to previous statement due to closing date from previous billing cycle being after due date for next billing cycle, and next statement showed I was late with a late fee. I complained and they waived the late charge, but they put up my interest rate up from 15.99 to 29 %. I called and complained when my interest rate was increased. They understood that it was not late when reviewing it, but stated they could not do anything over the phone. They sent me a form to fill out. I did, and sent it certified. I called them and they stated they never received it. However, despite stating they never received it, they sent a response stating they could not put my interest rate down due to me being " late '' on my payment. I talked to my bank and called back, but they told me I would have to fill out form again, but they had difficulty locating an " escalation member '' that could send me the form again. This happened again this year. I made a payment on XX/XX/XXXX which was the closing date for the previous billing cycle when due date was XX/XX/XXXX. They applied it to previous months payment and now it is showing I am late with a late fee. This is predatory toward businesses and unethical.
Consumer complaint received 2019-03-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mel S. Harris and Associates, LLC (FL)

On XX/XX/2018I had outpatient XXXX at XXXX XXXX Medical Center XXXX XXXX XXXX, in XXXX, FL. Prior to the XXXX the outpatient XXXX nurse at XXXX had contacted my physician, XXXX XXXX XXXX, MD, in XXXX XXXX, Fl and given him a list of pre-op laboratory tests that were required to be completed prior to the procedure. This list omitted the PT and PTT tests. These tests could have been done by the lab that did my other tests, at little or no expense to me, but because they were omitted by XXXX 's nurse, the hospital did them as a " stat '' test immediately prior to the outpatient procedure. Neither the procedure or the tests are considered to be for an " emergent '' situation for the following reasons : 1. this was an outpatient test and the diagnosis did not warrant admission to the hospital. 2. The physician that performed the XXXX XXXX  at XXXX did not deem the test as " stat '' or emergent as his office scheduled the test 3 weeks after the referral to his office was submitted by my consulting spine surgeon. 3. the diagnosis of possible XXXX  XXXX is by definition a chronic, not acute, condition. 
I was not given the opportunity to have my lab perform the tests because outpatient intake nurse said she would " take care of it ''. The procedure could have been rescheduled for another time but this option was not presented. Instead my blood was drawn and the tests done and the charge that was submitted was for a " stat '' procedure.
Consumer complaint received 2019-03-13
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. (IN)

A collection from XXXX XXXX XXXX was added to my credit report around XX/XX/2019. On XX/XX/2019 I filed a complaint with the CFPB stating that the account was illegal, null, void and not collectible. XXXX XXXX XXXX stated that they would delete the collection from all 3 credit bureau reports. However, Im showing that this account has not been deleted.