davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-28
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. (MO)

SPS states they will refund money accumulated in my escrow accounts. I will actually pay them this debt I do not owe when they refund over {$600000.00} that seems to have gone into my escrow account as it was not applied anywhere else. I suggest they get it from the XXXX XXXX seasoned trust or one of the three companies that appear to have been paid off twice or from XXXX XXXX who colllected AND foreclosed on my other property after it was paid in full to -apparently- another company. 
I dont know what is going on but I want it fixed. I want a refund of the money I have over paid and I want my house on which they have no ligitamate claim. I want my duplex back from XXXX XXXX
Consumer complaint received 2019-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I'm concerned about privacy Neiman Marcus ascertained that I had a line of credit with the credit union I was with how they knew I had a line of credit I don't know the line of credit was used to pay my card in full and never reported to the credit bureau they reported it to as a charge off and a bankruptcy never a paid account it wasn't until the credit union gave me a copy of a cancelled check it was removed from the bureau never reported as paid. I worked there and my W-2 was never reported to IRS and social security as wages my address at the time was XXXX XXXX XXXX XXXX Illinois XXXX
Consumer complaint received 2019-03-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I opened an account with CitizensBank using their landing page https : XXXX with offer code XXXX It clearly states I am entitled to a bonus of XXXX + XXXX after meeting requirements. Which in my case, has been clearly met. They also say the bonus will be posted after 90-145 days. This has also been met. 

I have contacted their customer service various times and was given boilerplate answers and they seem to be dodging the bonus pay out. I would request an official answer and a pay out of the bonus.
Consumer complaint received 2019-03-28
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: NAVY FEDERAL CREDIT UNION (SC)

I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FCU with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018 2018
Consumer complaint received 2019-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp (FL)

In XX/XX/2017, I was contacted by a representative working with XXXX XXXX who mentioned that they would help me pay back my student loan setting up IDR plan with the XXXX of their financing company Equitable Acceptance. They stated that they will consolidate the loan amounts, and the plan would allow me to pay one amount towards the loan. During this time, i had gone back and forth numerous time with hours and hours of call time in understanding how they would help me in paying back my loan. After multiple explanations and scenarios, the rep stated that he will have a partial amount to go towards my loan repayment and the other half would go towards the equitable acceptance company as a service fee. They also debited a few XXXX dollars as a down payment for the services to get started with them which I also paid. 1 year later, today, after numerous attempts to reach a rep over at the equitable, finally a Case worker called and started telling me that the amount agreed a year back was going towards the service only, and not towards repayment of my student loan. Technically, last year, 12 months of payments that Equitable received from me was in their pockets and not towards my student loans as promised. They even have the recording of the rep confirming that X amount is going towards student loan and X amount is going towards the service fee. In other words, the partial X amount of money that I was promised that would be going towards my loan is not reflected on my total loan at all, instead they placed me in delinquent status. Consequently, due to the fraudulent and shady tricks of Equitable and XXXX XXXX, my credit is at risk, my hard earned money is gone and interest on my student loan amount is accruing every day. The rep at Equitable is not willing to cancel the service or refund the amount even after explaining the whole thing to them. Instead he is telling me that contract was made and it was signed by the consumer, therefore I have to pay the full service fee. On top of that, my loan amount -- - they have nothing to do with it. This new rep clearly mentioned that they DO NOT help in repayment of loan, then why was the previous representative saying otherwise? ( the call recording confirms that previous rep will be deducting X amount of money to go towards loan as a part of the service fee ). Also, the contract was electronically signed by the Rep over at XXXX and equitable acceptance, I did not sign it physically. Equitable is tricking thousands of students like this, playing mind games and manipulating their words and not explaining clearly is just frustrating.
Consumer complaint received 2019-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (TX)

A student loan servicer named XXXX XXXX XXXX , XXXX has reported a student loan under my name to XXXX XXXX. I have no knowledge of this student loan. I did not take out a XXXX  loan XX/XX/XXXX. I have been in contact with the company they insist that the loan is mine. The loan is not listed on the national student loan database. The company explained that is was because the school didn't do there part to enter the loan in the database.
Consumer complaint received 2019-02-05
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SUPREME COURT OF THE STATE OF NEW YORK COUNTY OF XXXX XXXX XXXX XXXX XXXX AS TRUSTEE IN TRUST FOR THE HOLDERS OF XXXX XXXX XXXX ASSET-BACKED CERTIFICATES, XXXX XXXX, Plaintiff, vs. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, AND XXXX XXXX, Defendant Case No. : XXXX REQUEST FOR PLANITIFF TO PROVIDE INFORMATION REQUESTED TO THE NEW YORK STATE ATTORNEY GENERAL I am the defendant XXXX XXXX appearing pro-se. I have been unsuccessful in trying to obtain an attorney because I am XXXX. I only have enough money to live on and pay my monthly bills. 
XXXX XXXX XXXX XXXX AS TRUSTEE IN TRUST FOR THE HOLDERS OF XXXX XXXX XXXX ASSET-BACKED CERTIFICATES, XXXX XXXXXXXX and XXXX XXXX  XXXX XXXX, AS TRUSTEE, IN TRUST FOR THE HOLDERS OF XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SELECT PORTFOLIO SERVICING, INC. Do not have any rights to XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. The only bank that have rights to my home is XXXX XXXX XXXX XXXX XXXX because I have a home equity loan with them. 
I paid for my home when I got a settlement from my workers compensation case {$81000.00} after my attorney fees XXXX XXXX. I paid XXXX XXXX XXXX XXXX. on behalf of Select Portfolio Servicing. The New York State Attorney General is now involved and XXXX XXXX XXXX XXXX XXXX because I am a XXXX XXXX XXXX XXXX. The have labeled this a scam and they are requesting information. The New York State Attorney Generals Office told me to ask the Plaintiff for this. I expect this to be supplied to immediately. They are going to investigate it again because XXXX XXXX XXXX took my money. Attorney XXXX XXXX never responded to my emails. When I called her, she told me I had to send her a letter. I am asking the court to make her, and her clients provide what I need so the New York State Attorney General can investigate this case again. Please see attached email request for information. 



1. Names and History of Banks That Claimed the owned the Mortgage? 

2. Who is SPS currently servicing for this Mortgage? 

3. Names of All Attorneys Used To Try to Foreclosure On Mortgage? 

4. Note?

5. Rider ( s )?

6. Mortgage/Deed of Trust?

7. Truth in Lending Statement?

8. HUD-1 Settlement Statement?

9. Verification of Mortgage?

10. What was XXXX XXXX XXXX Fee? 

11. Proof of Monies collected by XXXX XXXX XXXX Firm? 
XX/XX/2019 Defendant Pro Se REQUEST FOR PLANITIFF TO PROVIDE INFORMATION REQUESTED TO THE NEW YORK STATE ATTORNEY GENERAL - 1
Consumer complaint received 2019-02-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (PA)

Somehow, American Express obtained my cell number in an attempt to get a message to and obtain information to reach my brother ; which neither my brother nor I had given them said number ; nor has there been any connection with said telephone number credit or financial histories. I called them to tell them to stop ; and I have told them we have given him the message ; ; but they couldn't do anything because I don't have my brothers account number with them, or his credit card number. I also have copies of several voice mails they have left ; that I can furnish you with, upon request. I have two numbers that are connected with this complaint ; which are ( XXXX ) XXXX and/or ( XXXX ) XXXX. My brothers name is XXXX XXXX XXXX.
Consumer complaint received 2019-03-27
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. (AL)

Although my credit report correctly reflects payments made on time for each month within my credit file, TransUnion continues to report a negative payment status and negative worst delinquency of 60 days past due for XXXX XXXX Acct # : # XXXX. I am not sure if TransUnion has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX XXXX, but the negative payment status and negative worst delinquency information that continue to be reported by TransUnion are erroneous and damaging to my credit scores. When this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that TransUnion make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.
Consumer complaint received 2019-03-27
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. (LA)

As I was checking my credit report I have noticed I had 31 hard inquires filed on my credit report that I have not applied for. My info was used multiple times for things I haven't applied for on my Transunion and XXXX credit report. 
Here 's a list of inquiries that were used under my name and was not from me. Victim of identity theft. 
************************************* 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All inquiries were listed more than once none of these were sent over by me
Consumer complaint received 2019-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (CA)

We ware renting an apartment. XXXX XXXX XXXX Located at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX They retain a collection company Kimball , Tirey & ST. John LLP Located at XXXX XXXX XXXX   XXXX # XXXX XXXX XXXX XXXX. XXXX. They are demanding payment of {$2700.00} We full field our obligation for the 12 months contract and they claiming that we never give them 30 day notice i wrote on my last cashiers check the 30 day notice also i inform to one of their staffers that we ware moving out. 
The reason why we ware moving out the apartment complex was to old and over price for what their promised. During our residence in XXXX XXXX XXXX we experience multiple sewage back ups from our apartment and the one up stairs, rain gutters ware backed up so water spills at our front door, No A/C and I file multiple times that we have roaches on our kitchen no much was done about it. 
I spoke to someone at the law firm explain our situation and they said they would get back to us but they never did all we keep getting harassing letters.
Consumer complaint received 2019-03-27
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. (AL)

Although my credit report correctly reflects payments made on time for each month within my credit file, TransUnion continues to report a negative payment status and negative worst delinquency of 30 days past due for XXXX XXXX XXXX Acct # : # XXXX. I am not sure if TransUnion has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX XXXX, but the negative payment status and negative worst delinquency information that continue to be reported by TransUnion are erroneous and damaging to my credit scores. When this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that TransUnion make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

TransUnion continues to report a late payment for XXXX XXXX XXXX Acct : XXXX from XX/XX/2016 that never happened. This account has never been paid late and I have requested on multiple occasions ( in writing ) that TransUnion make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.
Consumer complaint received 2019-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (SC)

I reached out to DIVERSIFIED CONSULTNTS because the entered an erroneous entry on my credit file. On XX/XX/XXXX, I sent them a letter demanding that they verify and validate the debt. I have received no such verification or validation and they are still illegally reporting on my credit report. I have contacted them by email and by certified mail ( see attachment ) and they have not responded or attempted to contact me. This is a violation on FDCPA, by law they have 30 days upon request to produce and verify ownership in the form of a legally binding document to show proof that they can legally collect on this debt. I do not own this debt and I have no knowledge of it. Please remove this entry from my credit file per FDCPA or I will seek payment as outlined by law for the multiple breaches of FDCPA that are due to me per FDCPA. Please find below the original letter sent, along with the certified mail receipt.
Consumer complaint received 2019-02-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC (NC)

Company has pulled personal data and has contacted me at my place of business. I was told that it was left as a " contact number '' which is an untrue statement, I hadn't been working here when this account was active. My company has now started questioning my financial responsibility to handle receiving payments on customers accounts.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (PA)

I opened a new credit account on XX/XX/XXXX with PNC Bank where I have a number of bank accounts, credit, checking, personal and business. I never received any bills, notices, etc. for the account and payment due. The last amount of approximately {$250.00}. 

I found out the week of XX/XX/XXXX while applying for a mortgage that the bank had reported to the credit bureaus that I was 30 to 60 days past due. I logged on to my virtual wallet account at PNC and could not find the account in question as it did not show up in my virtual wallet that I set up with PNC personnel for all of my accounts. I worked with PNC personnel to try and find the account information. After searching PNC customer service figured out where the account information was located. I paid the amount due on theXX/XX/XXXX paying {$440.00} as a transfer from one account to the other. The Customer Service person indicated that they had the wrong email address for my communications and had that PNC never set up my virtual wallet account, etc. The account was supposed to be in my virtual wallet and autopay, the bank never put the account in the wallet as the other accounts. There was plenty of money in the accounts to pay the bill. The account is now in my virtual wallet however I still can not see any bills due, detail, etc. 

After I spoke spoke to PNC Customer Service I spoke on theXX/XX/XXXX to the PNC Collection Department and they said that they showed the payment, and said that they would reverse the late fee and interest {$65.00} in late fees and {$3.00} interest total, but have not done so and it is not in the pending transactions, for the mistake. They also are not removing the negative information from the credit bureaus as the person said that they could not do it even though PNC personnel failed to set up the account properly. I am damaged as my credit report for a new mortgage shows this negative information and as a single mom who has never missed paying a bill may have to sell my house if I can't get a mortgage.
Consumer complaint received 2019-02-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AZ)

XXXX is inaccurately reporting on 2 accounts on my credit reports for XXXX, experian and XXXX. I have contacted the company repeatedly with inaccurate information and closing of one account on my credit reports and it has not been resolved. The payment history is inaccurate and showing late payments.
Consumer complaint received 2019-05-08
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. (VA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

These accounts are reporting information that is not allowed pursuant to FDCPA, FCRA, and US Bankruptcy code. Please delete all negative remarks about these accounts immediately, as that information should not be reporting. 


Bankruptcy chapter XXXX- discharged
Consumer complaint received 2019-02-04
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 contacted Equifax Customer Care ( XXXX ) to inquire about letters coming from Equifax Information Systems LLC, XXXX XXXX XXXX  XXXX, XXXX, GA XXXX. One letter references my request to add security freezes to the credit files for my children ; I have no children. Another letter references my request for a security freeze on my credit file ; I have had a freeze in place for almost a decade. Another letter references the results of a dispute of an item on my credit file ; I have made no such dispute. Equifax Customer Care informs me that there is no such subsidiary of Equifax named Equifax Information Systems LLC and the address listed is not one of their addresses. Additionally, they said I should ignore the letters. It appears that someone is attempting to pose as part of Equifax in an attempt to obtain Personally Identifiable Information from people. Given the history of Equifax to fail to protect consumer data and what appears to be an attempt to use the XXXX XXXX XXXX XXXX to obtain information fraudulently, Equifax security issues may still be very exist.. This is highly likely since they replaced freeze.equifax.com with my.equifax.com and shut down user access to the site. Since Equifax Customer Care has indicated the sender is not valid, I plan to send copies of the letter to Equifax Fraud Department. Since the XXXX is being used to solicit the information, I plan to send copies of the letters to the XXXX XXXX XXXX XXXX.