davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-05
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC. (DE)

This is a follow up to my complaint # XXXX. Today I received contradictory and confusing foreclosure documents from Select Portfolio Servicing, along with forms to be completed that would negate the foreclosure of my home. I think SPS is engaging in possibly illegal tactics. This behavior has repeated occurred heretofore with SPS. Please see attached documents and my original complaint.
Consumer complaint received 2017-01-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (PA)

I had XXXX lines I cancelled XXXX line ( main ) then kept the second due to I would get charged early cancellation fee. However the main line was and had control of the second line thus I could n't change/pay or control my account. So I had no choice but to go to another company.
Consumer complaint received 2022-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (CO)

Hello all, My mortgage was transferred from XXXX XXXX XXXX XXXX XXXX XXXX to Ally Bank on XX/XX/XXXX of this year. My mortgage is automatically paid via XXXX a 3rd party service that mails checks on behalf. My mortgage payment is scheduled to be paid several days before the XXXX of the month, as such XXXX received and deposited my XXXX payment on XX/XX/XXXX - see attached voided check for {$4300.00}. XXXX last issued a statement at the beginning of XXXX, no XXXX statement nor do any of the transfer documents mention this XXXX payment. Additionally the loan balance on the XXXX statement is the same as the first statement I got from Ally dated XX/XX/XXXX. This first statement from Ally shows no record of the XXXX payment. I talked to Ally a number of times through the month of XXXX as my mortgage was now past due. Regular payments were made for XXXX and XXXX, but due to the missing XXXX payment they were credited to the previous month. Eventually the 90 day transfer window expired and I had to make an additional emergency payment on XX/XX/XXXX to prevent late fees. On XX/XX/XXXX I spoke with XXXX and they opened a formal investigation. When speaking with Ally they don't care as the account is now current. Months have passed and I really hoped the money would show up in some form but it is obvious that is not the case.
Consumer complaint received 2022-11-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (SC)

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are UN-VERIFIED. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly update or delete all information that is inaccurate, incomplete, or which can not be verified. 

Youre reporting inaccurate and inconsistent late payments. Details are listed below : XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days XX/XX/XXXX - 60 days XX/XX/XXXX - 60 days XX/XX/XXXX - 60 days XX/XX/XXXX - 30 days XX/XX/XXXX - 30 days
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (IL)

My account was closed due to fraudulent activities by Citi Bank. I was out of town and verified all activities but as soon as I deposited my check they closed my account and never sent me my remaining balance. And this has been going on since XXXX XXXX XXXX
Consumer complaint received 2017-05-16
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: EQUIFAX, INC. (OH)

I have sent a validation letter to   XXXX   XXXX   XXXX   and   XXXX   XXXX   and neither company has responded within 30 days. The letter that I sent to both agencies goes as follows : To whom I t May  Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded.  ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby reques t that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.     Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.     Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.     I did not receive anything from neither collection agency.   XXXX   keeps stating : " Account information disputed by consumer, meets FCRA requirements ''. This statement is untrue and these  XXXX  accounts need to removed immediately for they was never validated so clearly they are not verified.
Consumer complaint received 2017-04-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Please refer to these complaints against Bank of america by myself : Complaint #  XXXX  on  XXXX / XXXX / XXXX  Complaint #  XXXX  on  XXXX / XXXX / XXXX  Also during  XXXX  - I reached out to prior organization OCC against Bank of america.     For the most latest complaint - I had opened checking account with Bank of america during   XXXX   XXXX   XXXX . They verified all my background - ask all the security questions-did thorough account verification. I was using a promo code - fund the new accoun t with $ 20K and   keep it at least for 2 months to get {$200.00}.   After successful completion of all credit checks and background process verification - i deposited {$250.00} as the initial deposit into the account.     Then due to login to online banking issues - i opened this complaint : Complaint #  XXXX  on  XXXX / XXXX / XXXX  I keep on following about  it. Two  days back they sent all the information about my account - A/C #, Routing #, deposit slips, initial checks etc ... but my online access was not working. Reached out to their twitter handle ... some back and forth messages - but no help.     Yesterday when i called them - they said they have closed my account due to " risk ''??? what???   I am living i n USA  since  XXXX . Very first time came  to USA  in  XXXX . Nobody has ever rejected a bank account for me till now. Went to their branch in person at  XXXX   XXXX   XXXX  branch ... but i was told the same answer ....   i was asked to call  XXXX . After long wait   of 9 minutes - i was told that they are also not aware why the account is closed?
What the heck it is???
Yesterday only i sent another $ 5K to deposit into my accoun  t.     I strongly believe they are retaliating against me as i reached out to CFPB.
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ;.     XXXX   XXXX    XXXX  - Wrong balance, I have paid it down.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MD)

XXXX posted on my credit report {$1300.00}. I spoke with the collection agency XXXX XXXX in XXXX 2015 to settle my account. XXXX XXXX offered me a settlement of {$790.00} which includes two payments of {$390.00} to be ACH from my checking account per XXXX XXXX. One payment of {$390.00} was deducted from my account XXXX/XXXX/2015. the remaining payment of {$390.00} was supposed to be deducted by ACH as well on XXXX/XXXX/2015. Payment was not deducted. I called XXXX XXXX and received only voicemail each time. XXXX decided to send my account to another collection agency ( XXXX ) to come after me for the remaining balance of {$910.00}. Credence posted immediately on my Experian credit report {$910.00} after sending me an offer settlement of {$850.00}. ( in which i had already settled with XXXX XXXX ). I forwarded XXXX the attached documents that a settlement and payment was made through XXXX XXXX and another was supposed to have been made on XXXX/XXXX/2015. XXXX asked that i forward the information to the email they provided me. I did and now they are requesting the additional payment that should have been made in XX/XX/XXXX in order for them to remove the incorrect balance off my credit report of {$910.00}. What seems to me is that XXXX is using different agency to collect from me after settlement has been made. I have uploaded documents in reference to this complaint and hope you can assist.
Consumer complaint received 2016-07-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PASCO, Inc (MI)

My credit report shows a debt payable to CELCO for {$140.00}. I have contacted this company and they can not tell me to whom this amount is owed. It is impacting my credit score. 

What can I do?
Consumer complaint received 2022-11-18
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. (DC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc. (CO)

Hello, I'm writing this complain follow up a previous complaint. I had an issue with Pro Collect with Derogatory claim on my Credit Report. COMPLAINT ID XXXX. On XX/XX/XXXX Pro Collect sent me a deletion letter that was suppose to resolve the issue. Now the issue is that there is a duplicate account for the same derogatory claim on my report. I contacted Pro Collect and they said they don't see the duplicate, but I have proof its on my report. It's effecting my ability to purchase a house for my family. It's not right that Pro Collect has made many mistakes and now aren't taking responsabilty for duplicate account.
Consumer complaint received 2020-04-20
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: TRUIST FINANCIAL CORPORATION (FL)

Around XX/XX/XXXX I was alerted of a new account open in my name when I saw my credit report so I contacted BB & T to make sure it wasnt granted because I experienced fraudulent accounts open in my name from this bank. The agent assured me no account was granted because I had a fraud alert preventing verification of my identity and the account could not be open. Moving on around XX/XX/XXXX I was contacted for credit line increase that I did not XXXX XXXX I contacted them again via Certified Mail to assure them to close the same account that was not supposed to be open. Now its XX/XX/XXXX it shows Closed on my credit profile with a balance of {$5000.00}.
Consumer complaint received 2016-07-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NC)

Account Name Account Type Account Marks Past Due Reported On ] XXXX Other Loan Late 120 Days {$0.00} XXXX XXXX, XXXX This debt was discharged in BK XX/XX/XXXX and also property went to short sale. Should not be on current report
Consumer complaint received 2017-05-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have called several times to  XXXX , Experian, and   XXXX   and asked them to remove the hard inquires off of my credit report. I did not submit those inquiries. I have called the companies that they said to and they have absolutely no record of me doing it which means they have nothing to send to the credit bureaus to take them off.  XXXX , Experian, and   XXXX   all refuse to take them off.     I am thoroughly frustrated with this! I want them to be taken OFF. All  XXXX  agencies have been completely uncooperative with this issue.
Consumer complaint received 2022-01-05
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: WELLS FARGO & COMPANY (GA)

I lost my job during Covid 19 XXXX of 2020, Wells Fargo had me on a forbearance during this time unaware with no notice they started reporting my account late. I called emailed disputed information being unfair an inaccurate I have not heard back from them I have restructured my loan and I'm current however these late payments are keeping me from obtaining credit this is not right!
Consumer complaint received 2017-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX SUPERIOR COURT DOES NOT HELP RESOLVING THIS ISSUE. I 'VE TRIED SEVERAL TIMES IN THE PAST YEAR AND A JUDGEMENT REMAINS ON MY CREDIT REPORT ERRONEOUSLY. XXXX XXXX IS THE NAME OF INDIVIDUAL THAT PLACED THIS ON MY REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT. THANK YOU The piece of information that is wrong that is showing is the name XXXX XXXX.
Consumer complaint received 2022-11-18
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. (MI)

My information has been impacted by the Equifax Data Breach and may have got into the hands of the wrong person. I am also a prior victim of identity theft/fraud. 

Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (MA)

I was XXXX for 9 yrs of my life. My identity was stolen. I keep getting calls from collectors trying to get me to agree to accounts that do n't belong to me and harassing me. Im not going to agree to anything if they dont belong to me. I will go to court if you need me to. But this has make my life a nightmare. Now I have costudy of my daughther and because of my credit I cant get a desent house.
Consumer complaint received 2017-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (DE)

I signed up for a Care Credit card to help pay a   XXXX   bill and was told that it was interest free for 6 months. I was not made aware that my interest accumulated the whole 6 months and I would be charged a lump amou nt. Im young and I do nt know much about credit cards, I feel I was completely taken advantage of.
Consumer complaint received 2022-11-18
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. (TX)

I just checked my consumer report and your company is displaying unauthorized and fraudulent credit inquiries. 

Company Inquiry Date Removal Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing because I did not give your company permission to display such information on my behalf to my credit report. If you have documents with my signature stating that I gave your company permission to display this information send to the address above for review. If not you are infringing on my right to privacy and thats a violation of FCRA 15 U.S.C 1681 ( 4 ) Further more did XXXX Validate this information with these companies prior to furnishing? If so provide me with a copies of any documentation with these accounts with my signature authorizing and inquiry. 

I demand these inquiries be Deleted immediately. 
I know you have up to 30 days to produce requested contracts, or delete these fraudulent items that is affecting my right to extend credit causing harm to my reputation. 

Enclosed is my state identification card and Social Security number for identification.
Consumer complaint received 2022-01-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Health Care Management Services, Inc. (GA)

My 2nd insurance paid {$2300.00} out of {$3100.00} leaving me with a balance of {$770.00} for XXXX. I called XXXX XXXX XXXX XXXX Hospital billing department to let them know that I had XXXX  XXXX on XXXX and XXXX on both of my XXXX and was out of work until XXXX and would not get paid until XXXX. I made arrangement to make 6 payments of {$120.00}. I made the first payment on XXXX of {$120.00}, but could not make the payment in XX/XX/XXXX. I called the billing department at XXXX XXXX XXXX Hospital and they agreed to let me double the payment in XX/XX/2021. On XXXX I made a payment of {$120.00}. I recieve a letter from HSI threatening to put the bill on my Credit Report if I did not make the full payment on {$770.00}. I explained to them that I was on a payment plan but they did not want to hear. I asked to speak to a manager but of course they would not get one. I hung up the phone and called XXXX XXXX Billing Department. They stated that they was going to send a letter to HSI to let them know and to continue making payment as agreed. I made another payment on XXXX of {$120.00}, once again I got another threatening letter stating that I need to make my payment by XXXX and the balance of {$510.00} or they will put the bill on my Credit Report. I tried to reach out to HSI but they had an answering machine on and I could not leave a message. This is the 4th time that I have had a problem with this company putting bills on my report and having to go back and remove. This company is a problem they do not take the time to verify anything they just put bills on your Credit Report that is wrong, misleading and inaccurate or outdated.
Consumer complaint received 2020-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (VA)

Chase credit card claims trip insurance. My claim fully qualifies in all ways to this policy. The claim is handled by XXXX XXXX XXXX  ( XXXX ). 

They require an extraordinary amount of document, all of which I provided. I went back and forth with them 5 times from XX/XX/XXXX to XXXX of XXXX. 

When I finally submitted all of the required documents, they started asking me for the same documents that I already provided. 

Clearly they have no interest in honoring this policy. 

I have notified Chase of this problem to no avail. 

Should check the number of times this company actually pays customers back. Whether or not Chase is unaware of this is unknown to me, but they're not helping.
Consumer complaint received 2016-10-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX Also, by Experian Credit Reporting Agency and XXXX XXXX XXXX XXXX XXXX XXXX n't have the rights to collect debt in the State of Texas ? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Experian aware of this they have not done an accurate investigation on XXXX XXXX XXXX XXXX XXXX. So, I checked XXXX Texas Debt Collections XXXX website and found out that XXXX XXXX XXXX XXXX XXXX is breaking : " Texas XXXX XXXX XXXX XXXX which prohibits a XXXX-part or credit bureau from engaging in debt collection in Texas unless the XXXX XXXX debt collector has obtain a XXXX bond and file a copy of the bond with the Office XXXX. Also, you can not operate in the state of Texas with a XXXX '' I am in need of another Investigation to remove them from my credit report please.