davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MO)

I am under a modification as of XX/XX/XXXX, I lost my job in XX/XX/XXXX, which was a challenge but at least I had unemployment to rely on for a few weeks, I got back to work in XX/XX/XXXX ( The job market here in Missouri is seriously askew with phony job postings by recruiters filing their data bases ). After landing my new job shortly after I had a XXXX  injury, not job related. I was on and off work for two months. I once again submitted paper work for financial assistance, and was denied. I read over Harp and I see no reason why I would not qualify for assistance, but was told my Specialized loan Servicing that there was no help for me. I have tried to get my house modified to market value for years, it still is not. Enclosed are the copies of my modification, and the demand letter for a XXXX dollar house that is worth XXXX. I was not sent this information in writing by SLS, I got the information from a phone call. I also have a list of SLS phone calls to my cell phone, asking for someone that is not me on my voice mail.
Consumer complaint received 2024-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I recently discovered that Select Portfolio Servicing failed to pay my homeowner 's insurance premium for my property, as outlined in my mortgage agreement, has not been paid despite the funds being available in my escrow account. This lapse in payment caused XXXX XXXX ( homeowner 's insurance company ) to cancel my coverage, and I am negatively impacted by this situation. 

I took the following steps to address this matter : *I checked my mortgage agreement thoroughly to ensure I am meeting all my obligations related to homeowner 's insurance payments. 
*I contacted your customer service department on XX/XX/XXXX and XX/XX/XXXX, to inquire about the non-payment. On XX/XX/XXXX, I spoke with XXXX from SPS who agreed to submit an overnight payment of {$650.00} to XXXX XXXX ( homeowner 's insurance company ). This situation is unacceptable and I have not received a satisfactory explanation or reassurance this will not happen in the future. 
*I attached copies of all relevant documentation, including 1 ) my mortgage agreement with proof of available funds in my escrow account, 2 ) homeowner 's insurance lapse notice, and 3 ) homeowner 's insurance cancellation notice. 

I understand that oversights can occur, but the failure to pay my homeowner 's insurance is a serious matter that requires immediate attention and resolution. I kindly request that SPS promptly address this issue, ensure the immediate payment of the outstanding premium, and provides a thorough explanation for this oversight. 

I requested a written response within 15 business days from the date ( XX/XX/XXXX ) of this email by XX/XX/XXXX, or sooner. If I do not receive a satisfactory resolution within this timeframe, I will have no choice but to escalate this matter by filing a complaint with the appropriate regulatory agencies. 

I trust that SPS will take swift action to rectify this situation and prevent any further disruption to my homeowner 's insurance coverage. Your cooperation and prompt attention to this matter are greatly appreciated. 

Thank you for your immediate attention to this urgent matter.
Consumer complaint received 2017-12-07
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Alorica Inc. (TX)

XXXX XXXX XXXX called my cell phone at XXXX this morning. They asked to speak with XXXX XXXX. I said this was she. She then asked to verify my mailing address. When I said I did not want to verify my personal information until I knew what the call was in regards to she said we are not a telemarketer and we are not trying to sell you anything. This is about personal information we will call back later and hung up. The call lasted 1 minute and 21seconds. 

I felt very uneasy since she would not tell me the purpose of the call and also did not leave me a toll free number to call back. I do not like the fact that someone has personal information about me and wo n't tell me what they need. 

I called them back at XXXX and asked to speak with a manager. I was transferred to a XXXX XXXX. I asked if she was a manger and she said she was. I asked her if she would please tell me what this call was in regards to as the last person hung up on me when I asked. She said it was a personal matter and she would n't tell me anymore. I asked her if it was her company 's policy to hang up on people when they asked for that information and to not give a toll free number out at the end of the call. She said they would not go round and round with me about this and that they would move on to the next call. I asked to not receive anymore calls and for the phone number to their headquarters. She gave me the corporate number and the CEO 's name. I told her it did n't matter what she called herself she was a telemarketer since she called me from an automated dialer. I told her that I knew there were laws about calling cell phones and about not stating the purpose for the call and she said my threats meant nothing to her and then she ended the call. The call lasted 4 minutes and 59 seconds.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a verified victim of Identity theft and XXXX, XXXX, and XXXX data breaches. I am writing to you because you are reporting inaccuracies and I have been notified of a breach. I am promised accuracy in my credit `report based on federal law I am making this call as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d all unverified information must be promptly removed as you can see in your system that you can not verify this information and validate it so I request that you remove it now. I have my police reports and all necessary documents.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2020 I received a notification that " XXXX/XXXX   had requested my Transunion credit report. Apparently, this was a XXXX 'XXXX  XXXX credit card, I am not even a member at XXXX XXXX XXXX so I wouldn't even have a reason to apply for their credit card. I called their customer service number, XXXX, and spoke with a representative who had no record of me ever filling out an application. Afterward, on the same day, I called Transunion for help in removing this inquiry and they said my only source of recourse was to file a consumer complaint.
Consumer complaint received 2017-12-07
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

The complaint is in regards to Citizens Bank. I have a home equity line of credit with them. The payment was due on XX/XX/XXXX. On XX/XX/XXXX they called to tell me I was late. In actuality they were paid by bank check transfer on XX/XX/XXXX in the amount exceeding 5 times the minimum payment. I checked the account on line on XXXX in the late evening and found no record of the payment. I called their informtion line and got a message the office was closed leave a number and they will call back. They never did. I called again on XXXX and was told the payment was received on XXXX. I had checked with my bank and was told they sent the check XXXX. I can not be responsible if Citizen Bank can not record the transactions property If Citizen Bank received the payment on XXXX why did they call on XXXX. This is an harassing tactic for NO reason. I have NEVER been late with them. On another occasion the payment was made on time and the next months statement had a notion of a past due amount. I asked them to correct it and they refused. I wrote a letter for them to correct it and it was ignored. This bank is totally negligent.
Consumer complaint received 2017-12-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XXXX XXXX I applied for a home-equity line of credit with Huntington bank. They did one hard inquiry on my XXXX score which was expected but the next day XXXX XXXX they did another one I asked the guy why and he said he had no idea why it pulled twice and was not helpful at all with trying to figure out why. then again XXXX XXXX they pulled it again without my permission and they did not tell me that they were going to do that. if I knew that they were going to pull my credit three times I wouldve never gotten the credit line in the first place. The loan officer from Huntington did not seem to care. I called XXXX and they said Huntington needed to send over some form stating that they didnt mean to pull it that many times I told Huntington about it and the loan officer said that he doesnt know what Im talking about and never had to do that before and that hard inquiries arent a big deal. This isnt right and I just want the 2 removed. Like I said one was expected but two additional ones without my permission is not right.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (VA)

As a result of my contact with Macys corporate office of spite they reported my credit limit lower than what it was and its hurting my score. My credit limit was {$5000.00} and they are showing it as {$100.00}. COMPLETE XXXX!! According to the FCRA..reporting should be FAIR accurate, complete and verifiable. HOW IS THIS FAIR?!? This is grounds for a lawsuit. You changed my limit after i requested the account to be closed! 

There was a discrepancy in my address. I asked the agent to update it and they didnt so i didnt receive the bill. 

Macys refused to remove late fees even after they determined it was THEIR fault. My account was closed by a corporate agent who ALSO changed my credit limit with ALL three bureaus after they closed the account. THIS IS ILLEGAL!! 

By law ( FCRA ) you are required to report accurate information. MY credit limit was NEVER {$100.00}. 
you intentionally hurt my score out of discrimination towards me.
Consumer complaint received 2017-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (IL)

I recently checked my credit report and noticed Debt Recovery Solutions , LLC reporting a negative mark. I called them and first representative that answered was rude and hung phone up on me. I then called back and spoke with a XXXX, who had no employer ID number, and after explaining to her that this is n't my account and most likely is a fraudulent account, she said that they will remove this from my credit report. I am writing this complaint to make sure she does what is suppose to be done and remove this negative mark from my credit report.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the XXXX XXXX XXXX XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (MO)

I contacted discover card services to report fraud on account and to request a new card. I was asked if I wanted to update my phone number which I did. After I received my card I went to activate it. It was activated. I went to use it and it was declined. I called again to be told due to inherent risk factors we closed your account. I pay my bill every month no late payments great credit score and employed. I am confused why credit card companies are doing this now other than they are expecting a huge default rate, but that would not make sense from someone who has been a great customer and paid even during a worldwide pandemic. I also lost benefits of rewards earned. This is unfair since if they want to close my account that's fine, but rewards were earned already before payment of rewards so they should not be lost. Not happy with this practice that seems to be rampant.
Consumer complaint received 2017-12-07
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Advanced Collection Services, LTD (ME)

I am filing for bankruptcy and have told the company this multiple times. I have even submitted a prior complaint, which is what stopped the phone calls and bills previously. I began receiving bills and phone calls earlier this week and called the company ( XXXX/17 ) to tell them to cease contact unless it is through my lawyer. The employee who answered was very rude and, after only giving her the phone number they are using to contact me, told me sensitive information about my accounts.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (GA)

There was several accounts reporting on my credit file that did not belong to me. These accounts are reporting as a result of identity theft. I submitted the credit agencies with copies of a police report earlier this year and these items are still reporting on my credit file.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2017-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

On my report there are two inquires that were not authorized by me and are fraudulent. I contacted the company 's XXXX and XXXX by phone and was told to dispute with Equifax. Disputed it and got a response back that I needed to have the company call Equifax and remove it. Called XXXX and XXXX and they still can not find anything to use to show Equifax to remove. I am being told they need proof for Equifax and since no information pulls up for my social security number or name they wo n't call. But I have to fax them information to show it is there. Been dealing with this for two weeks I am wasting my time to do the work the companies should be doing. There needs to be a better option in place to remove fraud inquires of reports. The inquiry was done on XXXX/XXXX/XXXX. I started this on XXXX/XXXX/XXXX to have it removed today is XXXX/XXXX/XXXX. I feel like I am now stuck with fraud on my report and I should not have to be.Spoke with supervisor at Equifax and will be sending my complaint to corporate.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc (NV)

PlusFour INC.

( Debt Collector ) Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX Agent : XXXX XXXX reported : XXXX Amount : {$690.00} XXXX XXXX XXXX XXXX XXXXXXXX ( My Health Insurance ) XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX Agent : XXXX Date Contacted : XXXX Time : XXXX Agent : XXXX XXXX Contacted : XXXX XXXX ( XXXX ) XXXX XXXX XXXX location unknown??? 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX Nevada XXXX XXXX Billing Department XXXX Agent : XXXX Date of contact : XXXX Time of Contact : XXXX noon Date of service : XXXX Amount of Service : {$1500.00} ACCOUNT PAID { NEVADA XXXX } PlusFour INC. is currently false reporting a debt that doesn't belong to me. Nevada XXXX contacted XXXXXXXX XXXX XXXX and XXXX XXXXXXXX XXXX and both company 's have several complaints from PlusFour INC. and the false debt reporting. 

XXXX XXXX XXXX billing department explained to XXXX that they are currently moving locations including documents and several people have made complaints about false debt reporting in regards to this. XXXX at XXXX XXXX XXXX Billing department stated that she will expedite my complaint to the supervisor department and to give them 24 hours to respond. 

PLEASE HELP ME
Consumer complaint received 2017-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (NV)

XXXX XXXX is reporting a debt of {$620.00}. I have no business with XXXX XXXX. They are a third party collection agency that does n't appear to be licensed in the State of Nevada. I am requesting that this negative account be removed from my credit report with all three Collection Bureaus.
Consumer complaint received 2017-12-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On two separate occasions Bank of America has tried calling to collect a Credit Card Payment for an individual that is known to my mother and I but we are not listed on this individuals Credit Card for any reason and on numbers they should not have access to. The first attempt to collect was made by cell phone to my number on Tuesday, XXXX XXXX, XXXX about XXXX XXXX and I told Bank of America that I had nothing to do what this individuals credit card account and to not contact me any further. Then on Tuesday, XXXX XXXX, XXXX Bank of America called my mother asking about this individual again and my mother who is a Senior told them nothing and hung up. Bank of America then called back later that day and left a message that they were calling from XXXX XXXX XXXX for the individual and left a name and phone number for them to be reached at. I called Bank of America Thursday, XXXX XXXX, XXXX at the number they left on my mothers answering machine and told them that my mother does not have any financial responsibility or ties to this individual and should not be harassed about this individuals credit card and why are they calling her number and how did they get her number as again she has no financial ties to this individual. I gave the Bank of America phone representative my mothers number after she asked me to look up the call in question and when she did she stated that she would remove the number from this individuals account as I told her what was being done was illegal and harassment and that they would be reported for doing so.
Consumer complaint received 2017-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/XXXX i received a XXXX transfer into my chase bank account for {$200.00}. Checked online banking and it showed it was available for use immediately. So I submitted a transfer request from my checking account ending XXXX to my other checking account ending XXXX in the amount of {$180.00}. 

XX/XX/XXXX chase alerts me that I received an overdraft fee for moving money from my accounts. I called chase and was transferred to XXXX levels of associates. They explained that zelle or quick pay has a cutoff hour XXXX hr earlier than every other transaction. Creating an hour where a client can technically overdraw their self. Chase is using this technicality to charge overdraft fees from clients that are n't aware of this XXXX hour of time