davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I received a notice from my mortgage loan servicer, Select Portfolio Servicing, to provide proof of insurance for a policy that had expired on XX/XX/XXXX. I sent that to them. On XX/XX/XXXX, I received another letter asking for proof of insurance for the prior year, XX/XX/XXXX to XX/XX/XXXX. I did not have insurance in place during that year because my home was in foreclosure and they had scheduled an auction. The home is no longer in foreclosure and all the auctions, three of them, were canceled. 

Then I received a bill from them for {$3500.00} for insurance ( force-placed ) for the lapsed period, the prior year. This is double what I pay now and it was for a year that had already passed. 

It 's hard to believe they can do this, but they did it. If I could buy insurance for a previous year, I would have done it but it seems only mortgage companies can do this and force it on the homeowner.
Consumer complaint received 2020-12-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. ()

Hi There, Recently I moved temporarily to XXXX with my family. We moved because my business was mostly shut down due to Covid restrictions. Before moving I notified Chase that my new mailing address was in XXXX but my business was still operating as I was working remotely until there is a vaccine and I can once again travel back to California. 

Without warning Chase completely froze and canceled my account. I had {$80000.00} of money in my account and they said they sent me a check!!!! AN {$80000.00} check in the mail!!!!!!! I can't pay my assistant because that is the account that I use for payroll. I have always had a high balance in my account and never had any defaults. I have been a loyal Chase customer. I can not understand what triggered this. Please help. I no longer have an account where I can get paid. This is very troubling.
Consumer complaint received 2020-12-01
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 submitted Identity Theft affidavits and police reports on XX/XX/2020 ... .I have never filed Bankruptcy or had any of the accounts listed in the following attached documents ... Clerk of courts even stated that they haven't supplied any such information to either of the 3 bureaus. The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (WA)

Chase Bank stopped sending our XXXX statements. 30 year perfect history with Chase with multiple accounts. They claimed we went paperless, but never sent an electronic notice or statement of any kind for the second account. Immediatley brought account current when discovered. Our credit card statements come in the mail as well as electronic notices, but nothing for this other account. If you go paperless they should send you electronic info. Sent a certified letter on XX/XX/XXXX, with no response to XXXX XXXX at Chase. USPS in XXXX, LA says Chase picks ups and scans their own mail. They failed to scan this letter to XXXX XXXX, but verified they recieved it on XX/XX/XXXX .They are greatly affecting our credit with this which is absurd. We need immediate resolution.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

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 2020-09-01
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: Experian Information Solutions Inc. (GA)

To Whom It May Concern : On XX/XX/XXXX, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. The high credit or original amount is being reported inaccurately and inconsistently on all three bureau reports. All information on a consumer report must not only be accurate but also consistent on all three bureaus. How is it that there is a discrepancy in this account? 
XXXX Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I am looking at a balance in the amount of {$1700.00} under this collection account. How is that possible? Sold account can not carry balances at all. This is utterly incorrect! 
XXXX XXXX Account Number : XXXX Delete this inaccuracy from my report IMMEDIATELY! 

For EXPERIAN 1. I am looking at a balance in the amount of {$1700.00} under this collection account. How is that possible? Sold account can not carry balances at all. This is utterly incorrect! 
XXXX XXXX Account Number : XXXX Delete this inaccuracy from my report IMMEDIATELY! 

For XXXX  1. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The high credit or original amount is being reported inaccurately and inconsistently on all three bureau reports. All information on a consumer report must not only be accurate but also consistent on all three bureaus. How is it that there is a discrepancy in this account? 
XXXX Account Number : XXXX Delete this account for reporting inaccurate information.
Consumer complaint received 2020-12-01
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. (FL)

I sent Identity Theft Affidavits and Police reports on XX/XX/2020. The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together.
Consumer complaint received 2020-11-17
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (FL)

This complaint is against Navient, the company that services my daughter 's student loans and for which I have Power of Attorney. Despite having my phone number, Navient calls other members of my family and acquaintances of my daughter. I have a robo-call blocker on my phone number and they insist on using a robo-call dialer in attempting to reach me. When those calls are blocked they resort to calling others. Yesterday they even called a children 's dance studio where my daughter took dance lessons 15 years ago! This is unethical and should be illegal.
Consumer complaint received 2020-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, Ive been disputing with this company XXXX XXXX XXXX XXXX for awhile about this fraud debt. The company verified the account was not mine and the charge was not mine. Also the dental office said the charge was not made by me or anyone on my plan. However, they sold the debt and the responsibility to remove fraud was on the debt owner. This company continuously gives me the run around. When I started disputing months ago providing all documentation the debt was around XXXX $ now its a over XXXX XXXX I asked to pay off to get it off my credit report and they tacked on more fees and have no online system to verify payment and get documentation of proof of payment. 

Originally company took over 60 days to respond which would be an automatic deletion from credit file. However, I wanted to gain as much information about the fraud to report to FTC. This account is fraud. Rep even looked up the account and gave me the name of the person and told me I needed to contact them and go to court to sue the person to pay them for the debt which is unethical. Please remove as this is fraud. This was a line of credit and not part of any plan I had dental office proved it wasnt anything covered by my plan and I did not sign for the treatment nor was the treatment done on anyone from my plan. Dental office states it was fraud.
Consumer complaint received 2020-12-01
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. (CT)

I've been submitting disputes with this company since XX/XX/2020 only to be ignored over and over again. I've sent police reports as well as identity theft documents supporting my claims and this company chooses to ignore my disputes. This company is in complete violation of the fair credit reporting act and doesn't seem to care cause they are not held accountable for their actions. I've been emotional and financially scarred from this. I've been denied shelter for me and my family do to the negetive effects this has on my credit. I've been involved in Equifax 's recent data breach as well.
Consumer complaint received 2020-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Hi, Ive been disputing with this company XXXX XXXX XXXX XXXX for awhile about this fraud debt. The company verified the account was not mine and the charge was not mine. Also the XXXX  office said the charge was not made by me or anyone on my plan. However, they sold the debt and the responsibility to remove fraud was on the debt owner. This company continuously gives me the run around. When I started disputing months ago providing all documentation the debt was around XXXX $ now its a over XXXX . I asked to pay off to get it off my credit report and they tacked on more fees and have no online system to verify payment and get documentation of proof of payment. 

Originally company took over 60 days to respond which would be an automatic deletion from credit file. However, I wanted to gain as much information about the fraud to report to FTC. This account is fraud. Rep even looked up the account and gave me the name of the person and told me I needed to contact them and go to court to sue the person to pay them for the debt which is unethical. Please remove as this is fraud. This was a line of credit and not part of any plan I had XXXX office proved it wasnt anything covered by my plan and I did not sign for the treatment nor was the treatment done on anyone from my plan. XXXX office states it was fraud.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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.

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 2022-11-16
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: CAPITAL ONE FINANCIAL CORPORATION (OH)

Hard inquiries, Capital One Bank XXXX was issued on XX/XX/XXXX and XXXX, XXXX issued on XX/XX/XXXX. Three letters were sent out to the 3 major credit reporting bureaus in XX/XX/XXXX to have these inquires remove, because I was unaware and did not give my consent.
Consumer complaint received 2020-12-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. ()

My name is XXXX XXXX XXXX, I temporarily moved out of USA. I gave my forwarding address @ my friend address in US @ XXXX. 

Recently somebody opened a Debit card account # XXXX XXXX XXXX XXXX on my name with Chase, physical card came to my friend 's address, hence came to our notice. However I requested Chase to close this account today, not sure what are the other damages happened or going to happen. 

I see they/fraudster used online username as XXXX, emailid as XXXX XXXX XXXX, this I came to know, when I try to see if I can create online account with the given card number. 

I am out of USA for now, could you please help track this before bigger damage happened?
Consumer complaint received 2020-12-01
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. (LA)

Credit bureaus if they reinsert a removed item from your credit report without notifying you in writing within 5 business days. 

Consumer protection afforded by the FCRA Section 611 Part ( A ) ( 5 ) ( B ) ( ii ) Fine {$1000.00}
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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.

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 2021-10-12
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. (OH)

I have sent three affidavit credit dispute letters starting on XX/XX/21. My written request was for TransUnion to remove all unverified accounts from my credit report. One remaining account that is incorrectly reported is XXXX XXXX XXXX who sold the account to XXXX XXXX. XXXX and XXXX have ignored my requests and continue to report erroneous information on my credit reports. 

I have no signed contract with XXXX, no investigation of XXXX has been made to show an original credit application on file. XXXX has reported several accounts with XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. I have been unable to look at my credit report with XXXX. XXXX has followed suit with several reports from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX and others that have not been verified prior to adding the accounts to my credit report. 
Under Section 609 & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it has not been verified. I have been ignored by TransUnion, XXXX, and XXXX. I demand that this illegal way of reporting ceases to exist on my credit report.
Consumer complaint received 2020-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION (CA)

On XX/XX/XXXX I paid my pay off account balance of {$810.00}. After paying off what my statement indicated would be my pay off account balance I was charged {$10.00} of interest while my payment was being processed. I've had my credit card with BVVA Compass since XXXX and had never missed a payment. Due to COVID and living in XXXX county I was forced to move out of my parents home since I had to continue working and my parents have XXXX XXXX and could not be expose. On XXXX I was exposed to XXXX  by my roommate. I had to quarantine and could not go near my parents home. I did not have access to my mail until recently. I received 1 letter in XXXX that my balance was past due. I called BVVA Compass immediately and asked why I was being charged. They said it was interest accumulated while my balance was being paid off. I paid the unfair interest charged after my pay off balance and the late fees accrued, to avoid getting any more fees. To top it off BVVA Compass reported the so call late payment to the credit bureau and my credit score dropped by 79 points. I called BVVA Compass for help. I asked why I had been charged interest after their online account statement clearly stated my pay off balance was {$810.00}. I tried to explain how I had never missed a payment, I was willing to set up for auto-payments, and explained my situation due to XXXX. The customer service was insensitive and stated they could not help me. It is not right for BVVA Compass to have charge interest while my payment was processing for the full account pay off balance. And for a company of this size to be inconsiderate of the global pandemic and the circumstances some of us have to face.
Consumer complaint received 2021-04-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (NY)

case # XXXX - XXXX was closed after the response from the company stating " Your dispute was received and the debt was validated by the original creditor. If you have proof of cancellation or payment, please send it to our office '' This response has nothing to do with the Affidavit of truth that was sent out on XX/XX/2021 that wasn't responded to correctly and had nothing to do with the validation of debt. 

An affidavit unrebutted stands as Truth. 

Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. XXXX XXXX ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true '' A notice of Default and Opportunity to Cure was sent out on XX/XX/2021. 

You do not have the right to dictate the law.
Consumer complaint received 2018-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (VA)

I was alarmed once I reviewed my XXXX, XXXX  and XXXX  credit reports and found that I was reported as having a late payment on the date below on my Best Buy credit card : 60 days past due as of XX/XX/2014 30  days past due as of XX/XX/2014 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.