davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

Have made Several payment settlement XX/XX/2018 XX/XX/2018 XXXX/218 and XX/XX/2018 on the first set I needed them send me the agreement in writing called them in XXXX several times trying to see where the letters were and find out what date they were mailed out XXXX acct was for XXXX and settled@XXXX and acct with capital One for XXXX Settled@XXXX These Two Accts. were to be paid by XX/XX/2018 and if I needed more time I was to call them in may I called them again and told them that I still had not received the letters I spoke to a XXXX he then told that the letters were not out because I needed to give them Permission to contact me and call me I ask a fax number so I could send them what they needed XXXX gave me a fax number to fax the release I tried to and their fax was not working I called the back they gave me another number it did not work so I mailed them to them and onXXXXorXXXX of XX/XX/XXXX I called them back to see what was going on I was connected to a Operation Manager she told me that to email her the release and then she would send me an email reply to them by say that I Agree and they would email me the Letters and she would put it until XXXX I never received the email so I called them again and this XXXX they told me that the pay off agreement was no longer and that I need to a higher amount on accts I am still waiting for the email payoff agreement I now think that this their way to get more money I also asked to speck to Corporation., was told that they had no way of connecting me with Corp because of this I have Lost my funding and my3.5 % rate is gone the home was sold to a new Buyer
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (NY)

I ( as a Consumer under 15USC 1692a ( 3 ) protected under Federal laws ) never gave XXXX my written consent to share any of my personal information with any consumer reporting agency, under 15USC 1681b ( a ) ( 2 ). And 15USC 1681a ( 4 ), my right to privacy.
Consumer complaint received 2021-05-23
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. (DE)

My name is : XXXX XXXX My address is : XXXX XXXX XXXX XXXX, De XXXX My phone number is : XXXX My employer is : XXXX XXXX Please remove anything on my consumer reports that does not reflect this.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (FL)

Good Morning, I have been with my Barclays Bank Credit Card company for 10 plus years and have never missed a payment or been over 30 days late, never! In XXXX of 2020 during the height of COVID, my job was in jeopardy and I was not completely focused on other issues. I sent {$420.00} to the credit card for payment. Apparently {$460.00} was due and I didn't realize it. In XXXX when I sent the bill, it was a few days late and they received in XX/XX/XXXX I believe. Well that put it over 30 days late for the {$40.00} from XXXX. I asked Barclay 's Bank for forgiveness and to take this off my credit report. My credit score was XXXX and it is now in the mid 600 's because of an honest mistake during a world-wide pandemic. They refused to take it off and said it was due to the integrity of the credit reporting. Again, we are under this global crisis and I have never been late with them. They refused via letter and I followed up and got a call from someone in customer service and he refused also. I made the point, if I asked originally for forebearance, this would not have been an issue, but again, my job was in jeopardy as my hours and salary were cut. I did lose focus on other things, but due to my long history of payments with them, I thought someone could help with a good will adjustment to take the late off my credit report. They refused. I am now begging you for assistance to see if they can take this off. It i basically a {$40.00} mistake by a few days over 30 days during this world crisis and they are not helping. 

Thank you.
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (TN)

XXXX.I have never had an account with this company WELLS FARGO CARD SERVICES , REMOVE from all credit agencies from reporting. 
XXXXconsumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) XXXXThis letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication XXXXI am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WELLS FARGO CARD SERVICES the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) XXXXI am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) XXXX.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
XXXX15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
XXXXAs mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) XXXXWhile pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
XXXX15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) XXXX. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2022-09-14
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (NY)

I am hereby requesting a clear explanation as to why you will not correct your error in reporting to each of the credit bureaus that I was late with a payment on my loan. I have attached every payment I made regarding my mortgage loan with your financial institution. I am requesting that you review this information Under the Real Estate Settlement Procedures Act by way of a written request regarding the servicing of my loan. 
Name : XXXX XXXX Account # XXXX I will show your error chronologically with the following appendix : ( Appendix 1 ) Payment information taken from my account on the Mr. Cooper website. 
( Appendix 2 ) Payment information taken from my Bank account ( Appendix 3 ) I received my Welcome package from Mr. Cooper on XX/XX/2022. 
( Appendix 4 ) Receipt of Payment made in XXXX. 
( Appendix 5 ) Records of each Payment taken from payment activity on website. 
( Appendix 6 ) All Statements regarding my loan ( Appendix 7 ) Your denial letter I am requesting that you review the information attached and contact each credit bureau stating my loan service transfer occurred during this time period and payments were made at different intervals and different amounts. This therefore caused an error on your reporting. I am formally submitting this complaint not only to Mr. Cooper Qualified Witten Requests, but also to Mr. Cooper Customer Relations, and to the Consumer protection Financial Bureau. MR. Cooper has a legal obligation to report accurate information regarding my mortgage loan.
Consumer complaint received 2024-05-18
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: Onity Group Inc. (MS)

I am formally writing this complaint because it has come to my attention that the account I have with your company is constantly being updated and verified by the consumer reporting agencies. Specifically, XXXX. The account I have with your company is being disputed because it is shown inaccurately in my consumer report which is damaging to my financial reputation, and it ruins the integrity of my consumer report. 

This is not a refusal to pay anything so do not get the wrong idea and discriminate against me for exercising my legal right under federal law hence the Fair Credit Reporting Act. 

PHH MORTGAGE SERVICES continues to verify with the consumer reporting agencies through XXXX that the information being reported is accurate and complete. This is not the case. The account shows up as incomplete for the years XXXX, XXXX, and XXXX because it shows instances of No Data or a dash in the payment history section of the account implying that there is no record of the existing payment as seen in my consumer report.

The Fair Credit Reporting Act prohibits unverifiable information and incomplete accounts from being reported to consumer reporting agencies. I request that you provide the correct information that is factually missing as shown in my consumer report. I will highlight the areas and attach what I am seeing directly from my point of view.
Consumer complaint received 2019-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (HI)

merchant : XXXX XXXX credit card co : Chase I have tried multiple times to resolve this with my credit card company since XXXX. They are now telling me that it is past the date and I have no recourse for a fraudulent charge on my card. The merchant XXXX XXXX has a a history or overcharging our card and manipulating invoices. 

I have submitted documentation multiple times, and Chase has chosen to either ignore my documentation or take the manipulated documents from the merchant as valid. 

I have original email correspondence from the merchant of the original emailed invoices, they emailed altered invoices to Chase to document the charges. 

I have emailed, faxed and called Chase on multiple occasions regarding these charges with little or no resolution. They keep telling me to wait for a letter in the mail, but when the mail comes and I send documentation back, there is no way to know if someone is working on it. I last spoke to a representative from Chase today at XXXX Hawaii Time.  His name was XXXX and now he tells me I have no recourse because too much time has passed. I started this in XXXX. I last called and submitted documentation on XX/XX/XXXX. They told me to wait up to 30 days, now he tells me that too much time has passed? 

I have more documentation to submit if necessary, history of emails, fax transmittals etc, but I was not given an opportunity to discuss what information they thought was valid and invalid. 

I am so appalled that my credit card company is not protecting me from this deceptive vendor and the representative would not tell me why they think the charge is valid, only that there is no further recourse.
Consumer complaint received 2024-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (IA)

I have filed several complaints pertaining to a payment plan to repay past morgage payments missed due to covid, the payment plan that was offered the payments where to high for me to afford, and I requested a lower payment, by extending the terms of repayment from XXXX months to a longer period ( XXXX months. They stated that they would send a reconsideration for my request to the XXXX department for a reconsideration of my request. I have just received an update to my credit report, and its states that the account is closed and in foreclosure, without any word on their decision to reconsider my request.
Consumer complaint received 2020-08-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CO)

I called Chase today to close my account again since I asked them to close last XXXX. Instead of closing my account with only {$1.00} or something, they keep the acct open when it was not supposed to be open. I closed it last XXXX. Chase charged me twice for XXXX and XXXX when I have NOT used Chase online or account at all knowing I have no money there and asked them to send me the rest through address. They did not and keep it open. They charged me intentionally. 

Today, I asked Chase to close it again ... they refused to close because of the negative balance. Negative balance was not on my part but from their part, they did it intentionally to charge me when I have not used online or their website or my acct at all until today, so that was when I learned I have negative balance. 

The reason why I wanted to close with Chase is because they did not accept a credit card I wanted to have to improve my credit score.  Instead of helping me, they did not approve and did they really expect me to keep Chase who denied my application for Credit Card? No. So I asked them to close but they did not and refuse to close TODAY just cos of negative balance which was done intentionally. My bank with XXXX XXXX  XXXX XXXX does not charge me at all.
Consumer complaint received 2018-03-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (GA)

XXXX XXXX XXXX hasn't sent any correspondence, nor have they responded to letters sent in reference to a debt claimed. Date opened XXXX for XXXX. I've disputed this debt through credit agencies, however the debt was updated. I've asked fro verification including original contract/signatures and that hasn't happened.
Consumer complaint received 2018-07-06
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: Utah System of Higher Education (TX)

Ive contacted them several times explaining the situation with a late payment being reported. I received zero documentation of payments being due on my loan. No calls were made to me until after the loan showed 60 days late. They told me it was nothing they could do. I provided proof of a forbearance multiple times of another loan and they still reported my loan late.
Consumer complaint received 2023-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (NY)

I lost my wallet and requested a new debit card from Ally bank via their website on XX/XX/XXXX. The website stated that my new card would be delivered via expedited shipping in 1-3 business days. I still did not receive a card on XX/XX/XXXX. I chatted with customer service online, as well as on the phone ( I spoke with both XXXX and XXXX XXXX. They informed me that the website is incorrect and that I would not receive my debit card for another 3-4 business days. They could not provide a tracking number. If the new card arrives in the next 3-4 business das as promised, I will have been without any access to my money for 10+ days. 

I trust the information provided on Allys website to make decisions about my finances. Ally failing to ship my new debit card in the timeframe they promised me as caused me considerable trouble and stress. I am very upset about this situation and I would like my new card sent immediately.
Consumer complaint received 2022-09-14
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. (NJ)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2020-10-20
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: CITIBANK, N.A. (FL)

I received a copy of my credit report and I noticed there were information on there I did not recognize. I reached out several time to the credit agencies asking for any documents bearing my signature. As of today I have not receive any documents bearing my signature. I would like your help in helping me resolve this matter.
Consumer complaint received 2021-04-30
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 — Their investigation did not fix an error on your report
Company: Mid-Atlantic Finance Co., Inc. (NJ)

I submitted a letter to XXXX regarding a deletion of a trade line per creditor agreement on XX/XX/2021. Per XXXX credit report information is not accurate on credit report. Valid documents have been provided. XXXX XXXX XXXX agreed to delete the trade line per payment agreement. Letter and payment information have been submitted. I need this trade line removed off my credit report as per agreement. 

Thank you.
Consumer complaint received 2024-03-28
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Select Management Resources, LLC (IL)

I got a title loan from this Mid American Title Loans LLC on XXXX. The company loaned me initially what was said to be {$1000.00} but in order to get the loan I had to allow them to keep {$300.00} out of the {$1000.00} therefore only providing me with {$700.00} to leave the business with. However after reviewing the contract after I left the business, I noticed it states i was given {$1000.00}. In fact i was not given {$1000.00} and the contract does not state where the other {$300.00} went. The worker XXXX gave me cash out of her pocket claiming that it was legal to do so. On XXXX the business Mid American title loan hired a repossession company to pick up my car. When the repot company showed up at my residence I clearly stated my desire for them to leave and even called the police because the man driving the tow truck harmed my wife as well as caused damage to my vehicle when he attempted to lift my car with my wife sitting on the car knocking her off to the ground as well as did not have his tow truck equipment connected properly when he lifted my car doing damage to my engine and ripping off parts of the undercarriage protecting my engine. Even after the police showed up, the repot man did not leave and even stayed for about 4 hours with me sitting in my vehicle. He attempted to coerce the police into forcing me to get out of my vehicle which was successful at first due to the threat of me being arrested if i did not get out of my car. I asserted my right to be left alone and that this was a breach of the peace and that law enforcement should never get involved with helping a repot agent repot a vehicle. Clearly a breach of the peace occurred and this is wrong. Also the repot man, after the police left, stated to me that he had a XXXX in his tow truck i believe in an effort to scare me out of my car. I have video of most of this breach of peace occurring.
Consumer complaint received 2021-03-03
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. (CA)

I got a free copy of my credit reports through XXXX XXXX XXXX  today XX/XX/21 because I am planning on refinancing my car later this year however, I noticed that there are a few credit inquiries on my report that are not mine. The inquiries are from different companies all of which I have never applied to ; I did not authorize these companies to run or access my credit file nor am I affiliated to them in any way. I don't know who is responsible for these credit inquiries but I have taken it upon myself to file a police report as well as complaint with the Consumer Financial Protection Bureau in hopes of getting unauthorized credit inquiries removed.
Consumer complaint received 2015-06-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There is an extended fraud alert on my account ; I am entitled to XXXX free credit reports. Transunion 's online site shows that my fraud alert is active through 2022. The link to request a free fraud alert credit report takes me to a page that calculates the price as {$8.00}. This report should be free. There appears to be no way to order the free fraud alert credit report online, or through the interactive voice response system. With considerable difficulty, I was able to reach a human being and order the report after waiting on hold for a large fraction of an hour. 

I would like Transunion to fix this defect on their site. The desired outcome is for fraud alert credit reports to be provided free of charge, through a link that is readily discoverable from the Transunion home page. 

I am attaching a PDF showing the fraud alert screen and the non-free order page. It appears that logic intended to discount purchased credit reports in California is taking precedence over logic that provides free fraud alert credit reports.