davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

My name is XXXX XXXX, owner of the property at XXXX XXXX  XXXX XXXX, XXXX, DE XXXX ( Mortgage Account # XXXX ). I am writing to report and complain about Select Portfolio Servicing, a Mortgage company. 

In XXXX, I bought my property at XXXX XXXX XXXXXXXX XXXX, XXXX with a XXXX XXXX XXXX mortgage lender for {$230000.00}. My family and I lived in the house until XXXX when my wife filed for divorce after completing her XXXX graduate education. The Family Court ruled that we sell the house against my will and asked me to move out while my wife stays there until the sale. I immediately communicated with SPS about the sale - short sale. They repeatedly requested documents upon documents including my divorce decree, paystubs, and every possible requirement which I provided. I also secured two realtors, XXXX XXXX XXXX and XXXX XXXX who helped spent over {$15000.00} on renovating the property. SPS approved short sales over five times. 

In the process, we found more than five ( 5 ) buyers, but SPS refused to let us sell the property. We even found buyers after renovations who were willing to buy the property for over {$200000.00}. Every time we are about to proceed to close, SPS will reject the offer to the point that our last offer from a buyer which was {$220000.00} was rejected. Yet, SPS decided to put the property up for a XXXX 's sale for {$170000.00}. The clear motives of SPS are fraudulent. The endgame is to take the property from me by force and then turn around and sell it to make double profits.
Consumer complaint received 2022-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (VA)

On XX/XX/XXXX, I was contacted by phone by Enhanced Recovery Company ( ERC ), stating that they were attempting to collect a debt of {$2100.00} on behalf of XXXX XXXX XXXX and asked me what card I would like to use to pay the amount. I thought it was a scam and told them that I didn't owe anyone that money. The agent the asked if the last four of my SSN was XXXX. The number she said was correct which was shocking to me! I told her that it was NOT correct and she said we must have the wrong XXXX XXXX and that they would remove my number from their information. I immediately called XXXX XXXX XXXX, because I do have an account with them, and they confirmed my account was current. On XX/XX/XXXX, I received a letter in the mail from ERC that stated exactly what she said over the phone, accept there was an account number on the letter. I called XXXX XXXX XXXX and gave them that number. They advised that someone had used my SSN to purchase a phone that was assigned a number in XXXX XXXX on XX/XX/XXXX. They also advised that the account was closed on XX/XX/XXXX for nonpayment. I contacted XXXX XXXX XXXX, as well as XXXX Theft of Identity on XX/XX/XXXX. They advised that it was fraud, but I needed to fill out a report/complaint online, which I have done, in order for it to be officially resolved. They also advised that I should contact ERC and let them know it was fraudulent. I called ERC on XX/XX/XXXX and explained that someone had stolen and used my SSN for the purchase. There response was that they could offer me a settlement amount to pay of {$1600.00}. I advised that I would be paying nothing, because it was not my debt. They repeated the settlement offer. I said I'm paying nothing and hung up.
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NC)

I received a notification on XX/XX/2022 that my Homeowner 's Insurance ( XXXX ) was cancelled due to non-payment. Contacted PennyMac on XX/XX/2022 to confirm payment was made from my Escrow, they advised it was just paid on XX/XX/2022 ( though online system says XX/XX/2022 ). Pennymac tried to contact insurance company, but was unsuccessful due to it being a Saturday. Contacted Pennymac again on XX/XX/2022 to find out what happened. They confirmed the above and contacted the insurance company. Insurance company advised they did not receive payment, policy is lapsed and I'm not covered. Only option to reinstate at this time was to pay {$450.00} or wait until Pennymac 's payment was received. Considering this is not my fault, Pennymac should look to make this right ASAP and not wait for the payment to be received, including incurring all costs to reinstate immediately. XXXX has confirmed they will reinstate back to XX/XX/2022 as long as Pennymac 's payment is recevied by XX/XX/2022, however will not provide any coverage for any loss until payment is received. Pennymac also advised I will need to continue to follow-up with the insurance company to validate the payment is received, taking no responsibility for the delay and cancellation.
Consumer complaint received 2023-10-17
Product: Credit card — Store credit 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. (TN)

on XX/XX/XXXX I made a purchase at XXXX XXXX in the amount of {$760.00} with 18months no interest if paid in full. When I realized the card company was charging interest I opened a dispute on XX/XX/2023. Subsequently, the case was closed without contacting me, allowing me opportunity to present evidence of my claim, etc. I've tried on numerous occasions to upload the receipt supporting my claim, I've tried using the chat function to figure out how to provide the receipt, today ( XX/XX/XXXX ) I called customer service. The representative refused to help resolve my issue, claiming I only have one interest promotion on my account, neglecting to understand I have the receipt for the second interest promotion. Her solution was for me to go to the store and have the manager call citi, or to mail the receipt to their po box . Both solutions requiring more effort and time on my part when we are in a digital age and could have easily emailed her the receipt to review and resolve the issue.
Consumer complaint received 2022-05-02
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: EQUIFAX, INC. (FL)

I am invoking my rights pursuant to 15 U.S. Code 1692c ( c ), I demand you to cease any communications and collection activity of this alleged debt. XXXX XXXX XXXX willfully failed to comply with the provisions of SUBCHAPTER V of the 15 U.S. Code Chapter 41 with respect to I the consumer and such failure caused damage to my reputation, credit-worthiness and credit capacity which resulted in adverse action being taken against me when I tried to obtain new credit during this pandemic, this has caused me financial injury and am pursuant to 15 U.S. Code 1692k they are now liable to me for such damages sustained due to their noncompliance. XXXX XXXX XXXX willfully failed to comply with the requirements imposed under SUBCHAPTER III of the 15 U.S. Code Chapter 41 in respect to I the consumer and am aware that they are now liable in the amount of {$1000.00} pursuant to 15 U.S. Code 1681n ( a ). Fact, I the affiant am invoking my rights pursuant to 15 U.S. Code 1692K and 15 U.S. Code 1681 ( n ) and make a demand for monetary relief for the violations and actual damages caused to I the consumer due the willful noncompliance by XXXX XXXX XXXX. I am demanding monetary relief for the damages above or I will file suit in federal court within the next 30 days if my demands are not met. This is not a negotiation.
Consumer complaint received 2022-07-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Works & Lentz, Inc (OK)

I had a hospital bill and insurance wasnt correctly applied. I called before it ever got sent to a debt collector and the lady told me that after she added the insurance everything was good. Now I am getting calls from debt collector so Im guessing she didnt do what she told me she did.
Consumer complaint received 2022-07-05
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. (OH)

XXXX, Transunion and XXXX all are reporting charge off accounts on my credit report. The IRS defines a charge off or a 1099c as gross or ordinary income. Income does not get reported on the consumer report. By reporting this as a charge off on my consumer report This now becomes an inaccurate Account which now under 15 U.S.C 1681EB which speaks on maximum accuracy of the consumer report it must bet Deleted and it is still on my file.
Consumer complaint received 2022-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CO)

Recently I have received numerous text messages stating that there are problems with my Paypal account. I have deleted them as I believe they were phishing attempts. 

XX/XX/2022 I received an email that stated that a recovery phone number had been added to my Paypal account -- I did not add that phone number. Now, when I try to log on to Paypal, it says it is sending a code to this unauthorized number and I can't log on. 

XX/XX/2022 I received an email at my work email stating that my credit card on file with Paypal is expired. 

Paypal was unavailable during the entire holiday weekend to address my concerns. I believe Paypal has 3 separate accounts open for me and I do not trust that company 's controls over my accounts and credit card information. I spoke with a representative and his supervisor today. They told me that I would need to go through every credit card in my wallet to verify my account with them. That was only for ONE of the accounts I believe has been opened by Paypal. 

I want any Paypal accounts opened under any emails associated with me to be closed, including but not limited to : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NV)

I applied for the Verizon XXXX card and I was approved with a credit line of {$3000.00}. On XX/XX/2022, I call to inquire why I didn't receive the Verizon XXXX XXXX card and I was advised by a representative that the XXXX card is offered to card members with a credit line of {$5000.00} and above and they also qualify for additional perks. 
On XX/XX/2022, I called to request the XXXX card and a representative advised me that it is no longer offered. I explained of what I was told and requested to speak with an account manager and he advised me that the XXXX card is only send to card members that they are approved with a credit line of {$5000.00} and above in the initial application process. I advised the manager that this is " Unfair and Deceptive Practice '', and the manager stated that he can not order a XXXX  card for replacement card, but I advised him that this is not a replacement card it's an upgrade card. I feel that I am not being treated fairly.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-27
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: EQUIFAX, INC. (GA)

I am demanding that this information resulting from identity theft, be removed. I have not given any written instructions or any permissible purpose for any of the following inaccurate and unverified information to be furnished. That is a violation of 15 USC 1681b, which constitutes as aggravated identity theft in accordance with 18 U.S. Code 1028A by Equifax.

The term identity theft as described in 15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. 

15 U.S. Code 1681e ( a ) Consumer reporting agencies must maintain reasonable procedures designed to avoid violations under section 1681c which includes violations of permissible purposes, and I am aware that no consumer reporting agency can furnish a consumer report to any person without following all the purposes listed in section 1681b of this title 15.

15 U.S. Code 1681e ( b ) A consumer reporting agency must follow and maintain reasonable procedures to assure maximum possible accuracy of furnished information on my consumer report.

This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim. 

see attached
Consumer complaint received 2020-05-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA (CA)

I took delivery of a new XXXX XXXX XXXX on XX/XX/2020. The 1st ( lease ) payment of {$390.00} was made at the dealership that day. I created a " payee '' on my Credit Union website using a " place holder '' for the account number, which I neglected to update before the next scheduled payment date. This resulted in my CU sending a paper check with an incorrect account number to Kia Motor Finance ( KMF ), which  could not process it. On or about XX/XX/XXXX, realizing my ( account number ) error, I attempted to make a one-time payment from the KMF website, which did not work. I called KMF multiple times during XX/XX/XXXX to ensure my repeated attempts to make payments in a timely manner were documented. A KMF agent told me in XX/XX/XXXX that the listed payment amount was incorrect because the wrong county tax rate had been applied ( by the Kia dealer presumably ) and that future payments would be {$360.00} ( KMF website still indicated {$390.00} as of XX/XX/XXXX ). The {$390.00} payment due XX/XX/XXXX was ultimately recognized/processed on XX/XX/2020 ( KMF requested a fax from my CU, which the CU reportedly sent ), which is 15 days after the due date, incurring a late fee of {$18.00}, which an agent reportedly waived as a courtesy. According to KMF, credit report exceptions are not sent until an account is 30 days past due, yet I had a late payment report filed with the credit agencies. On XX/XX/XXXX, my CU made an electronic payment of {$380.00} ( {$360.00} + XXXX for the " waived '' late fee ), which was processed by KMF on or about XX/XX/2020 ( again KMF needed a fax confirmation from the CU ). On XX/XX/2020 I contacted KMF to  ascertain why the website indicates {$390.00} is due XX/XX/2020 and discover how an account of 3 months age with two on-time payments could be charged multiple late fees. I reviewed the account history with an agent, who acknowledged the account history looked untoward and connected me with a supervisor, who said my electronic payments are actually sent as paper checks ( my CU disagrees ). The supervisor disputed that multiple fees were being applied and the line went dead ( I sincerely hope he didn't hang up on me ). As of XX/XX/2020 I have made two payments of {$390.00} and one of {$380.00} to an account that according to KMF should be due {$360.00} monthly.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted disputes and affidavits, I got a response saying I can't be identified and I used a credit repair company. I am very upset because THESE ARE FRAUDULENT ACCOUNTS. So not only am I suffering with these FRAUDULENT accounts on my credit report, but I'm also accused of being too incompetent to file my own affidavit and disputes. I demand a response in 10 days. I also demand these fraudulent accounts be removed from my credit report ASAP.. If i dont have a response in a timely manner, I will be filing a complaint with the Office of the Attorney General.
Consumer complaint received 2022-01-05
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. (MA)

I responded to a free offer from BestBuy for a free consultation to get better wifi in my home. They charged me {$99.00} from my credit card for the appointment to make sure i would be there. The day of the appointment I received a call and a gentleman that wanted to know exactly what kind of wifi hookup I wanted. I told him I didn't want a hookup I wanted a better signal. He shows up ; we had a brief consultation, He exited and told me that I should not be charged for the visit but if it goes through he could get the {$99.00} removed if I purchased the one year contract for installation of an echo systerm. Once back at the store he informs me that they do not have it in stock. There are two websites up at present time that BestBuy is running promos on that are false and misleading. The one I responded to is for a free consultation the other is 1C. Neither is free if they don't take the deposite down and you get hooked into paying what was offered for free. Its on the same principal as TXXXX  Find anyone for free until you get a bill for a subscription service. Totally bogus and this store should be prosecuted.
Consumer complaint received 2019-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I had a repossession in XX/XX/2017 and it was reported as a repossession but then a voluntary surrender and then a write off or charge off and the account was paid in full. It is reported differently on all three credit reports. That has stopped me from getting approved for things that involve my credit. I want this removed immediately as that is a misuse of reporting my credit.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IN)

Good evening. 

I have repeatedly tried to get in touch with SOMEONE at Experian who can tell why I can not freeze/unfreeze my credit report neither online nor via phone. They want me to WRITE A LETTER TO THEM with an INSANE amount of documentation. The fact that we as Americans are forced to use these snake companies is a joke, and now I can't even open my XXXX XXXX accounts because I can't get the freeze off my account without jumping through these ridiculous loops that are going to take entirely too long to send. 

I have my unfreeze number. I input my birthday, SSN, whatever information was asking for because it's not a XXXX fraudulent request. I set the XXXX PIN so that I could freeze and unfreeze as was convenient, not to deal with the XXXX of handling a problem with Experian. 

There have been no actions to resolve this. No support person seems to understand the issue or it ends up with endless transfers. 

XXXX you Experian.
Consumer complaint received 2020-11-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MD)

PayPal accepted funds of XXXX from XXXX XXXX XXXX on an account that was inactivated in XX/XX/XXXX. They DID NOT contact me by email or phone with instructions on how to get the funds. The account is inactive, to activate I would need to add new credit card and bank statement. This is a violation of my privacy, and I DO NOT want a PAYPAL account. They contacted me today, the FIRST Time since XXXX XXXX transferred the money on XX/XX/XXXX. They have sent two account statements indicating that I have a XXXX  Balance. I would like PAYPAL to send the money, I do not want to use PAYPAL, store the money with PAYPAL, give PAYPAL a bank statement or credit card information. The account is inactive because I DO NOT use PAYPAL. They noted that the account was created in XX/XX/XXXX and inactive since XX/XX/XXXX. I DO NOT want to be compelled to use PAYPAL because they accepted money on an account that was closed, and then did not contact me to make arrangements to get the money. I have contacted them several times and also have attempted to login. I can login, but then they are asking me to upload a bank statement and additional information. If the inference is that once you open a PAYPAL account you can never close it, that seems illegal. PAYPAL has not contacted me about this matter, telephonically or by email. They have a message that they are busy and it is best to contact them using their website. It is difficult to get through to them, and I can not send a message through their website without uploading personal information they are asking for to reactivate my account. I DO NOT want my account reactivated!. I WANT my money. They SHOULD NOT have accepted and not notified me, since the account is inactive. They response they provided is inaccurate and does not address the issue. I WANT the money they were sent, and they are not facilitating me getting the money from them.