davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (KY)

My mortgage was being serviced by XXXX XXXX  XXXX in XXXX. I asked and received Forbearance with them. Then on XXXX XXXX, XXXX, my mortgage was taken over by Select Portfolio Servicing. I spoke with my Relationship, Manager  XXXX XXXX and I told her about my Forbearance. XXXX XXXX said that forbearance information had not been received Yet. Two months ago I called SPS to say I was ready to end the forbearance and restart payments. I missed the XXXX XXXX payment. This is when I was told that my account had been sent to their legal dept. to start the foreclosure. I never received anything from them stating they were not honoring my previous agreement with XXXX. I asked for the letters she said were sent to me. XXXX. XXXX has not sent any copies of any letters. She says I owe XXXX in payments and XXXX in escrow. 
How is this possible? Why wasn't I told SPS did not have to honor the CARES ACT?
Consumer complaint received 2017-11-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tate and Kirlin Assoc (FL)

Received a notification from my credit report that an account was added that I have no knowledge of and that no written notice was provided. After checking all of my credit reports I see that this collection agency reported this account improperly on my report., My report also states that this debt was opened in XXXX XXXX, 2017, which is also incorrect. It appears they have illegally reaged this collection account on all of my credit reports which is having a negative impact on my credit.
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group (AR)

XX/XX/XXXX I am unaware of this alleged debt that the CKS Prime Investments stated I owe them in the amount of {$610.00}, that I supposedly opened with them on XX/XX/XXXX. Per consumer law a collection agency has to provide validation of any debt on my consumer report under 12 CFR 1006.34 ( b ) ( 5 ). If they do state they have provided the information, I would like the method of validation, all correspondence of who you talked to, their phone numbers, emails and addresses. I have not been given a chance to dispute the account according to 12CFR 1006.34 ( c ) ( 4 ) ( I ) The collection agency is violating my consumer rights by using false misleading, misrepresenting and deceptive means.
Consumer complaint received 2021-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Consumer complaint received 2020-07-09
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. (GA)

I HAVE NO IDEA HOW THESE INQUIRIES GOT ON MY CREDIT PROFILE. PLEASE REMOVE THESE FRRAUDULENT INQUIRIES FROM MY CREDIT REPORT AND SEND AN UPDATED COPY.
Consumer complaint received 2017-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (NY)

I applied for the XXXX XXXX issued by Barclays on XXXX/XXXX/XXXX at about XXXX XXXX XXXX. I was not instantaneously approved for the card, so I called XXXX at about XXXX XXXX XXXX to find out about the status of my application. I spoke with a representative who told me that in order for Barclays to process my application, I would have to send to Barclays through the mail a copy of my drivers ' license, a copy of my social security card, and a copy of one of my utility bills. In this age of identity theft, I have never heard of anything so absurd as a request to send all of my personal identifying information in one envelope to some random P.O. Box through the mail leaving me with no confidence that my information is secure!!!. XXXX knows what would happen to those copies once dropped into the mailbox! My girlfriend experienced the same issue when applying for the XXXX XXXX and, after asking to speak with a supervisor, was able to confirm her identity with Barclays by answering the questions the supervisor asked based on information in her credit report. That supervisor also told my girlfriend that sometimes Barclays will verify a customer 's identify by sending a code via text to the customer 's cell phone. When I asked for the same courtesy, the supervisor I spoke with insisted that I must send my identifying information to Barclays via mail or fax. As far as I am concerned, this should be illegal. There are many far better ways to verify my identity than to ask me to expose myself to identify theft. A COPY OF MY SOCIAL SECURITY CARD TOGETHER WITH MY LICENSE??? THROUGH THE MAIL??? ARE YOU SERIOUS??? Are Barclays executives prepared to answer to Congress to explain how this method for verifying customer information is secure???
Consumer complaint received 2019-05-21
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (OK)

I refused to commit fraud at their request and my loan modification was cancelled. My son is on the deed and they requested he sign a release he did and they refused it stating it had to be in cursive, my son has always printed his name. I disputed this multiple times on phone Filed complain with OCC they referred to CFPB. I was threatened with foreclosure during the entire call. Chase said to send in copy of drivers license on XX/XX/2019 and XX/XX/2019. I was told I would receive a letter of confirmation so I could send in a copy of his license. During that call chase also stated they sent loan modification out to all and every borrower who was behind on their payments, I questioned this because I had been trying to get one for  the last three years and was denied for miscellaneous reasons. I attempted to make payment of {$230.00} several times in XXXX but it was refused finally the Executive office contacted me on XX/XX/2019. Said my modification defaulted XX/XX/2019 for failure to send in fraudulent document. She advise me I would have to bring loan current no other options. I advise her of previous conversations and I never received notice it had been cancelled but my XX/XX/2019 reduced payment amount was accepted. I told her I was not going to commit fraud. She said she would research but I would have to bring the loan current or be foreclosed upon. The reduced payments have made the loan even more delinquent.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NY)

XX/XX/2024, I looked at my report. I sent a letter to XXXX on XXXX XXXX asking them to reinvestigate these accounts : Citi Cards/Citibank , and here is my account number : XXXX XX/XX/2024, they sent me their investigation and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case.
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CO)

I opened a credit card with Chase Bank in XXXX XXXX. At the end of XXXX XXXX, Chase closed my credit card with absolutely no warning. Which dropped my credit from a XXXX to XXXX. The reason they closed it was because after reviewing my account ( after they already accepted me and opened an account ) that I had too many credit card accounts already opened and the other reason that they closed the account was because we went over the credit limit by XXXX CENTS. After a XXXX XXXX phone call with Chase on XX/XX/XXXX, my account was placed under review to see if it could be reopened ( had to pay {$70.00} before they would put it under review ). On XX/XX/XXXX, I received a call from Chase stating after the review my account has been reopened. On XX/XX/XXXX, 3 DAYS later, Chase closes my account without any warning again. This causing my credit to drop from a XXXX to a XXXX. Forgot to mention, we were beginning the process of buying a house, which chase knew about before closing the account the a second time.
Consumer complaint received 2017-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Focus Holding Company (TX)

There is a balance of about {$980.00} on my credit. I For Focus management.. 
It was not mine.I called the original company which is XXXX XXXX. Gave them the account number they verified uts nit mine. I have deputed with XXXX and XXXX  twice.XXXX was the only one to remove it.. 
They refuse to remove.I have also contacted XXXX XXXX XXXX XXXX Gave them the account number that shows on my credit. Its not mine its my daughters from her previous address.
Consumer complaint received 2017-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northwest Collectors Inc. (IL)

This company is reporting a negative account on my credit report, and we do n't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. 
I tried resolving the issue with XXXX on XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Also, I sent the company a letter on XXXX/XXXX/XXXX asking for a legal contract and there was no response.
Consumer complaint received 2017-11-19
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CO)

I signed up for a 12 mo no interest promotion at XXXX furniture. The purchase was made XXXX. The First payment was made in XXXX of XXXX. On the last statment they changed the due date from XXXX to XXXX and stated that that was the end of the XXXX mo period. I had set up payment to be on the XXXX of each month for the previouos XXXX. When i got the last statment I noticed a red box stating the last payment was due on XXXX/XXXX/XXXX. I decided to cancel my recurring monthly payment from my online bill pay at my bank and tried to set up a one time last payment and something went wrong. They never recieved my last payment and ended up charging me full interest. I should have just left it alone. However, I tried to do the right thing, made the change and it back fired on me. I do not think it is fair for the company to change the due date of the last payment. Regardless of when my purchase was made. I belive they new this would happen and they have measures in place to force people to still pay interest. Feels like very unfair business practice. They do not have this language in place anywhere in their statements or contracts. IF it is there it is confusing. If they want payment in exactly 12 mo they should set the due date same as the purchase date. I feel the interest charge should be removed.
Consumer complaint received 2017-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received a letter on XX/XX/XXXX from capital one congratulating me on opening my new card which I idi not do. I never filled out an application online or in writing. I called them on XX/XX/XXXX and asked them to close this account immediately and asked how this was opened. They suggested that someone in my household opened the account which was very insulting as it is my wife and I alone. I have contacted them on the phone on XX/XX/XXXX and they refuse to discuss the account even though I have given them the credit card number unless I give them my SS # which of coarse I will not. I have never applied for a Capital one card and my SS # is my personal information. They refuse to answer the question of if the account is closed without it and I refuse to give it to them. Is this another XXXX XXXX Fraud problem with Capital One Please advise
Consumer complaint received 2017-11-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC (IN)

ONCE AGAIN HARVARD HAS DONE IT AGAIN. THEY FAILED TO VALIDATE DEBT AND CEASE AND DESIST COLLECTION EFFORTS AND STP CONTACR REQUESTS WAS IGNORED. CEASE CALLING OUR CELL NO.
Consumer complaint received 2022-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-03-31
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX  Account Name/ XXXX XXXX Account # XXXX Account Name/ XXXX Account # XXXX, Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX XXXX Account # XXXX Account Name/ XXXX XXXX Account # 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
Consumer complaint received 2020-07-09
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. (GA)

I HAVE NO IDEA HOW THESE INQUIRIES GOT ON MY CREDIT PROFILE. PLEASE REMOVE THESE FRRAUDULENT INQUIRIES FROM MY CREDIT REPORT AND SEND AN UPDATED COPY.
Consumer complaint received 2017-11-19
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management (TX)

Collection company would call several times a day even when I asked them to stop calling. XXXX XXXX the interest appeared to continue to go up. When I thought I was close to having the account paid off, the amount would go up again. It was a ever ending loan.
Consumer complaint received 2024-03-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (AR)

XX/XX/XXXX I am unaware of this alleged debt that the Jefferson Capital System stated I owe them in the amount of {$12000.00}, that I supposedly opened with them XX/XX/XXXX. Per consumer law a collection agency has to provide validation of any debt on my consumer report under 12 CFR 1006.34 ( b ) ( 5 ). If they do state they have provided the information, I would like the method of validation, all correspondence of who you talked to, their phone numbers, emails and addresses. I have not been given a chance to dispute the account according to 12CFR 1006.34 ( c ) ( 4 ) ( I ) The collection agency is violating my consumer rights by using false misleading, misrepresenting and deceptive means.
Consumer complaint received 2021-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I XXXX XXXX sent Capital One Bank a cease and desist/debt validation notice on XX/XX/2021 regarding a debt they are reporting to the credit bureau attached to my file. 
Capital One Bank did not respond pursuant to 15 usc 1692 ( G ) ( A ).
Consumer complaint received 2017-11-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I am a XXXX XXXX veteran and my medical benefits are fully covered yet I have several small medical collections on my credit report from XXXX which range from $ XXXX {$46.00}. I should have no medical collections since I am fully covered by insurance.
Consumer complaint received 2020-11-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2019-05-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK (MA)

In XX/XX/XXXX, this loan was discharged in US bankruptcy court. Discover Student Loans ( aka SLC ) continued to collect monies and report to credit agencies that my payments were delinquent and sending letters as such of my account being past due. I was informed by SLC that they did not discharge my loan and needed to repay. I have been paying on this loan since then at varying payments based upon my payment agreement with SLC. In addition, they offered me a 0.25 % discount for setting up automatic payments. In the past 5 years my rate has gone from 6 % to 11 % and billing reflects no such discount from automatic payments. I have consulted with my bankruptcy attorney, and this loan was in fact discharged and Discover ( SLC ) has been unlawfully collecting payments from me. I have forwarded all documentation to Discover ( SLC ) and when I speak with customer service I get no answers or help from the representative. I have made approximately $ 4000+ in payments and my loan balance continues to increase. Furthermore, my ex husband has contacted Discover claiming fraud, which Discover closed its case in XX/XX/XXXX stating he did lawfully co-sign for the loan. I was informed from discover that they did investigate but he can continue to file. This is harassment that the company continues to allow someone to file such claims, when it has been previously investigated twice.
Consumer complaint received 2021-03-24
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. (OH)

Account : XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX  # XXXX I have not been late on the account and request Method of verification for late payments. Per the Care Act and payments made on the account should not have been registered as Late. 

Please correct payment history.
Consumer complaint received 2017-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

I opened Amex Delta Gold credit card with XXXX plus XXXX $ of promotion offer in XXXX, XXXX. I have met the spending requirement in XXXX and contacted the Amex many times saying the offer will be posted in my account. But it has been 5 months and nothing happened.
Consumer complaint received 2022-09-10
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: EQUIFAX, INC. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 2. The following status is Incorrect and unverifiable XXXX Account Number : XXXX Delete this account. 3. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Please Delete this account. 
4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 6. there is some inaccurate information reporting. XXXX XXXX XXXX  Account Number : XXXX Please Delete this account.