davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

I am writing in regards to my now closed, Paid in Full, purchased by Portfolio Recovery Associates from XXXX XXXX XXXX XXXX. 
Portfolio Recovery sued me over this debt but the case was dismissed without prejudice and I was advised by portfolio Recovery Associates that the account will be deleted off my credit reports. 

Upon speaking with several supervisors at Portfolio Recovery, I was informed that while it is practice to update the credit reports as " Paid '', I was also informed that if I chose to dispute the account once paid for a removal from my credit file, " Portfolio Recovery would not fight me on this ''. I have received conflicting information from several different representatives, and due to this and the extenuating circumstances that caused the initial delinquency -- and the fact that I resolved this account in full and amicably -- I am requesting a complete deletion of this account from my XXXX credit reports : XXXX, XXXX and XXXX.
Consumer complaint received 2016-03-01
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Auto Finance stated that I was 30-39 days late on the last car payment on my car in 2010, however they have failed to provide me a method of payment I used such as a check, moneyorder, and etc with the date they said I was 39 days late making the car payment.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists These are the accounts I'm referring to XXXX XXXX account closed XX/XX/XXXX. XXXX XXXX XXXX account closed XX/XX/XXXX XXXX XXXX account closed XX/XX/XXXX XXXX XXXX  account closed XX/XX/XXXX The XXXX XXXX XXXX account closed XX/XX/XXXX XXXX
Consumer complaint received 2021-01-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have another complaint against this company. They called me last week and I told them not to call. I sent them a certified letter to tell them in writing not to call and they still called. So I told them over the phone and in writing not to call and they still call. The tracking number is USPS XXXX
Consumer complaint received 2021-04-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

We pay tax directly to our town. My wife forgot to pay tax man in late XXXX and early XXXX. When I was notified I sent BOA a payment for XXXX in XX/XX/XXXX to get us back on schedule. BOA has been screwed up ever since. After I finally got a person to return our call she ended up asking for us to send her XXXX and they would refund it. We said OK but need this in writing. She ( XXXX ) said they can not put anything in writing to us. Im concerned that they are going to keep this madness going for another year. We have made all tax payments and mortgage payments and need BOA to release us from XXXX payments. All of there branches are closed in NJ and no one can fix there computer problem. They acknowledged that they can see the tax collector has returned 3 quarterly tax payments. They are threatening to take our house and refuse to stop. Help us help them!!! We have not missed a payment in over a year and it was an error. Have been with BOA since XXXX. Help XXXX XXXX XXXX
Consumer complaint received 2015-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I had a mortgage for my home with XXXX mortgage. I was granted a modification by XXXX on XX/XX/2012. My new monthly payment is {$420.00} XXXX sold or transferred my mortgage to SPS Select Portfolio Servicing Inc. SPS Inc. refused to acknowledge my modification. I have an ongoing bankruptcy case. My modification was filed with the judge that was handling my case at the time and was approved. SPS filed paper in court to dispute my modification. My modification is valid. I spoke with a representative at SPS who told me that XXXX did not transfer the modification.
Consumer complaint received 2022-07-19
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: BARCLAYS BANK DELAWARE (MA)

In XX/XX/2022, Barclays Bank Delaware requested a credit review on my name through XXXX. I am a current customer of Barclays '. 

When I called Barclays, they transferred me to 5 different people but did not respond to my question as to why a credit inquiry was initiated using my personal information. 

I am being extra vigilant because a few days ago, someone fraudulently used by personal information and tried to apply for a credit card on my name with XXXX. After I received the alert by XXXX that XXXX ran a credit check on me and after i confirmed the details with XXXX, I decided to be cautious and check all 3 credit bureaus for suspicious activity. This is when I saw the Barclays inquiry. 

Barclay was also unwilling to put an alert in their system for my name/ss #, in case someone tried to open an account with them using my name fraudulently.
Consumer complaint received 2015-10-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX XXXX, XXXX I would like to file a complaint against US.bank, who sold the property to a third property, but when the home was foreclosed, I did n't find out that USbank had any interest until I received an unlawful detainer and USbank was at the top of the list. When the home was foreclosed, it did n't sell at auction, and reverted back to the bank, but nobody would say which bank. When I received the unlawful detainer, I immediately went to a local branch located @ XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, I spoke with the branch manger ( XXXX XXXX ) on several occasions from XXXX XXXX, until as recent as XXXX XXXX and while I was there he would call the back office, and USbank would never acknowledge ownership, nor could they identify me by account number, address, or social security number, yet the third party speculator claims they purchased the property from them. I went to XXXX to help me through the process and on paper it was made look like US.Bank was the highest bidder, but that 's not the case, it reverted back to the bank, and I recently have documentation from XX/XX/XXXX ( Enclosed ) where USbank is affixed at the top of the list. I would like to discover why they could never identify me, and banks are allowed to play this game of keep away from distressed homeowners trying to reach out to save their properties. I am contending that USbank sold a property that they had no right to sell, they know that and if I just give up, they win. I want this investigated ; I should at least be given the right to a jury trial.
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

capital XXXX credit card has been given a deposit of {$1300.00} from my XXXX XXXX checking acct ending in XXXX, for some unknown reason capital 1 has collected my funds of {$1300.00}. 
but has blocked me from using my credit card to pay bills etc. This blockage may be some kind of harassment. I need my capital one credit card funds available immediately to pay bills etc. please have capital one credit card services unblock my credit card act. ending in XXXX, Can I seek any compensation for this unnecessary harassment, I am a XXXX yr iold senior citizen.on a fixed limited income. I talked to a number of employees on the phone at capital 1 credit cards but they insist they can do nothing. to unblock my credit card. my credit card with capital 1 is called aft union plus credit card.
Consumer complaint received 2015-05-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

Select Portfolio Servicing caused an unauthorized individual to trespass upon my property for the purpose of harassment and intimidation on Friday, XXXX XXXX, 2015. I was alarmed and afraid in my own home. I reported the incident to the police who made an official record of the activity which is in violation of local laws as outlined in the attached affidavit which I submit for CFPB review and follow up.
Consumer complaint received 2023-04-03
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2015-04-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Toyota financials had incorrectly reported XXXX late payments on my account. 

when i called they removed XXXX late paymeents, another XXXX payments are still showing as 30 days late and were never late by 30 days. 

i mailed and called XXXX times and still its not reversed
Consumer complaint received 2016-02-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Profit Services Group (GA)

On XXXX/XXXX/XXXX a collection agency called me trying to collect a debt from XX/XX/XXXX and XX/XX/XXXX in which was paid and I faxed a copy of the removal from my credit report. This agency is saying this is not enough information to prove this has been paid. In XX/XX/XXXX I was a XXXX, therefore that charge can not be on my credit..The debt from XX/XX/XXXX was paid in full and is on my credit report as being removed from my credit.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital One willfully violated Federal Law, The Truth In Lending Act ( TILA ) the Credit Card Accountability Responsibility and Disclosure Act of 2009 Regulation Z, as well as the Fair Credit Reporting Act FOR ALL OF ITS CARDHOLDERS VIOLATING THEIR RIGHTS. Action must be taken against Capital One Bank for this egregious violation of tens of thousands of consumers rights under Federal Law. 

As per 12 CFR Part 1026 ( Regulation Z ) 1026.7 Periodic statement.

7 ( b ) ( 11 ) i ) Except as provided in paragraph ( b ) ( 11 ) ( ii ) of this section and in accordance with the format requirements in paragraph ( b ) ( 13 ) of this section, for a credit card account under an open-end ( not home-secured ) consumer credit plan, a card issuer must provide on each periodic statement : ( A ) The due date for a payment. The due date disclosed pursuant to this paragraph shall be the same day of the month for each billing cycle. 

Capital One willfully and unilaterally changed without permission of cardholders the billing cycle date, interest amount, balances, and due dates due to computer changes and then reported these false dates to customers ' credit reporting agencies. The lapse caused by the change in due dates caused customers ' credit reporting to show two missed payments due to the forwarding of the billing cycle. This has damaged the credit reporting of tens of thousands of cardholders. They are also in violation of FCRA as naturally the reporting of the balances, due dates, and other data related to the moved billing cycle started to report as wholly inaccurate. Changes in due dates caused some cardholders accounts to miss payments as the auto-pay was either disabled or moved. When Capital One changes due dates the customer bank account which are normally expecting an auto-pay may not have sufficient balance to cover the payment as their billing cycle has now changed.
Consumer complaint received 2022-07-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Porsche Financial Services, Inc. (IL)

On XX/XX/2020. I received a loan for a XXXX  XXXX  costing {$120000.00}. Cost of the car was {$2000.00} a month. I asked for the price monthly to be lowered on the vehicles monthly payments. The rep told me my cost was final and they wouldn't allow me to refinance for a lower monthly price. I was only behind 43 days on payments. I was in the hospital  and suffering from XXXX which was my reason for the one late payment. The rep wasnt looking to work with me and added my car to the repo list within the 45 days. A few weeks after the call with the rep, I came home from the hospital and the car was gone.
Consumer complaint received 2020-10-16
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: CITIBANK, N.A. (IL)

I opened a dispute on XXXX/XXXX/20 with Citicard for charges for a rental home in Florida. The charges total {$20000.00}. The rental dates were XXXX20, and the rental was cancelled due to XXXX travel restrictions. 

The dispute numbers and amounts are XXXX : {$9800.00}, and XXXX : {$10000.00}. 

Since opening the dispute almost 7 months ago, we've provided full documentation to Citibank. The last written communication we received from Citibank was on XX/XX/20, stating that the dispute is still under investigation. Despite many calls to Citibank, we have not been able to get more information on dispute status nor expected end date. 

I'm attaching documentation which has been shared with Citibank, detailing timeline of purchase and dispute.
Consumer complaint received 2015-03-25
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (IL)

My whole intire credit file is missing? I had a equafax credit file 9 months ago and my score was a XXXX now the whole file is missing and my score is a XXXX? and XXXX collection account for XXXX to a cable company. I called the cable company gave them my info and ssn and they had no file on me? its not my debt but where is my credit file? What happen to it? and please take that XXXX collection off its not mine and please restore my XXXX credit score and file
Consumer complaint received 2023-04-03
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

the 3 Bureaus haven't responded to any of my Complaints and a friend of mine told me they have to respond within 30 days and I still don't have any results of they investigation
Consumer complaint received 2021-03-27
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: Shellpoint Partners, LLC (CA)

RE : SHELLPOINT MORTGAGE ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Phone : XXXX XXXX : Improper reporting to the credit bureaus ( NEVER LATE ; rolling XXXX ) XX/XX/2020, XX/XX/2020. 

Good day. I am reporting that Shellpoint Mortgage had " falsified '' stating that I was late on my mortgage. I have NEVER been late. As a matter of fact, they had drafted monthly out of my account. I am a real estate investor and own many problems so I can assure you that money is never an issue with me. However, what is an issue is that this company had reported my mortgage late. I need this over turned immediately. I have provided my information, and email that's notarized, and I hope respectfully that this incident is overturned in my favor. Thank you and have a great day.
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NV)

Approximately XXXX XXXX, during the pandemic, We have access my chase online account and came to find out that it was on the freeze account mode. I've learned that my account was past due and never knew about it. I've contacted Chase to find out what's happened since my payment was on the auto payment mode and the payment were coming out of my personal bank. We spoke to a man representative and told us that my monthly payment were raised and the payment that they received from us was not enough and that's reason I was on the past due status. I asked them why I never received any notification in regards to my new monthly payment. The representative has give me an instruction to make a certain amount of payment for three months until XXXX and I should be up to date on my payment by XX/XX/XXXX. 

After that, On XX/XX/XXXX, I was receiving a notification saying that I am past due again. I called Chase credit card to find out what was happened and they couldn't located who I spoke to back on XXXX XXXX. I was making payment twice to Chase Credit Company from XX/XX/XXXX until XX/XX/XXXX. I also made a complaint to their their XXXX collection dept. that Chase Credit Company got their customers talking to some representaive that they can't even identify who it was. 

on XX/XX/XXXX. I have obtain my free credit report and I came to find out that Chase Credit Card XXXX has reported that I was late for 30 days+ on payment which I have the credit payment on the automatic payment straight from our checking account.
Consumer complaint received 2015-07-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

ii WAS CHARGED FOR FLOOD INSURANCE EVEN THOUGH I SUBMITTED PROOF THATWAS ACCEPTED BY THE COMPANY, BAYVIEW LOANS. 

THIS IS PREDATORY!
Consumer complaint received 2024-01-20
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. (CA)

My ex husband fraudulently used my social security to obtain a loan from XXXX ENDING in XXXX act # XXXX I did not authorize this loan or co sign. I would like this matter removed from my credit report including all late payments, collection account from XXXX and XXXX XXXX XXXX XXXX removed from my credit report. I was recently made aware when I recently pulled my credit and was Denied a loan.
Consumer complaint received 2021-03-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Orions Management Group, LLC (WI)

I received a call at my employer on XX/XX/2021 in the afternoon from a person named XXXX from Orions Management. He stated I owed {$480.00} to XXXX XXXX. I told him I could not receive these types of calls at work. He asked me if I was refusing to pay my bills. I told him that this was not an appropriate call for work. He then stated he could call my HR department about this matter. I feel my rights were violated with that threat. I XXXX he will continue to harness me.
Consumer complaint received 2015-06-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (KS)

In XX/XX/XXXX, I lost my job and was unable to keep up with mortgage payments. Upon contacting Bayview Loan Servicing and informing them that I may have a hard time making full payments they suggested I make an application for the loan modification program. I submitted the application in XX/XX/XXXX for same. After having submitted XXXX complete loan modifications to Bayview Loan Servicing and receiving some excuse or delay from them each time, it became apparent to me that they were not going to help me but instead actually put me in deeper financial trouble. I purchased the home in XX/XX/XXXX paying {$68000.00} for the property. Bayview now informs me that the payoff is in excess of {$74000.00} and they want the property.
Consumer complaint received 2024-04-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: EdAid Limited (NM)

I currently owe something around XXXX a XXXX  for what is essentially a loan for a XXXX  XXXX  camp that I did through a university. I am permanently XXXX  and not really able to pay my bills and have been trying to work with EdAid to get some kind of a permanent reduction in what I owe so that I don't have to default. They've been unwilling to do that and also have an unwilling to remove my bank account information from their system. I can't seem to find any other way to do it and they insist my checking account information has to stay in there. I would rather default than have them take away the last little bit of money that I have since I need that to pay my food, utilities, rent etc and don't want to be homeless just to pay off a debt for a meaningless, useless XXXX  XXXX camp certificate to a company that seems inflexible and not super interested in helping me.