davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

This is an addendum to claim # XXXX XXXX XXXX XXXXSLS purchased my loan from XXXX on XXXX/XXXX/XXXX Once again they will not speak with me regarding my loan - My daughter and I went on a XXXX party call to SLS and we weretold unless they receive XXXX party authorization form signed we can not do anything. 
My daughter who is a Real Estate Agent went online and printed another formand we faxed to SLS - during our brief conversation with SLS I stated all thepayment information they have on file is incorrect - they say I paid no paymentsand I paid every payment due SLS - the only payment unpaid is on XXXX would not speak to me and I paid XXXX extra on my additional paymentsto make up for the XXXX XXXX payment. On Friday, XXXX XXXX XXXX XXXX I received aletter from SLS stating on XXXX/XXXX/XXXX MY HOUSE IS GOING INTO FORECLOSUREBECAUSE MY PAYMENTS HAVE NOT BEEN PAID SINCE XXXX/XXXX/XXXX - I PAIDevery one due to SLS - where is all my money going? How do I fight somethinglike this??? I am going to XXXX XXXX XXXX and getting copies of all of my paymentsbut I am afraid they are trying to take my condo from me - this has been going onfor 8 years and it is not fair to do this to seniors. I have made all payments, I havecalled XXXX times and left messages - no response - I have sent every form theyrequested plus additional correspondence I had. I sent copy of Certified letterto XXXX in XXXX with my Assumption Package - no response - I would liketo post this for others to see how XXXX and its subsidiary SLS handle customers. 
If I do n't have a XXXX, it will be a miracle. 
I asked the Ombudsman to please look into this mess - hopefully we can get a resolutionon both sides.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

On XX/XX/2017 my student loans with XXXX XXXX XXXX were paid in full in the amount of {$10000.00}. I received the confirmation number after the successful payment was made. I looked at my payment history and it stated that my balance was XXXX and it also stated that the account was 0 days delinquent. After the payment was made the balances of my student loans were updated on my credit reports to XXXX. It reports as positive on my XXXX report but it reports as a sold/transferred debt on XXXX  and XXXX. I have disputed it many times but nothing has changed. Then on XX/XX/2017 the U.S Department of education sent me a letter claiming that they were collecting on behalf of XXXX  XXXX XXXX and also claiming that I owe them {$10000.00} plus {$620.00} interest so it came up to {$11000.00} all together. The U.S Department of education gave me 60 days to dispute the issue which I did. I sent them a letter as well as proof that it was paid in full and that it was 0 days delinquent and I asked them to get rid of my personal information. I thought the got rid of it but in XX/XX/2017 they reported the alleged debt to the credit bureaus and sent the debt to XXXX XXXX XXXX XXXX. Enclosed will be the letter I sent to U.S Department of education and proof that my student loans were paid in full.
Consumer complaint received 2015-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (OH)

This bill was paid on time prior to it going to collections. I had problems with the billing of XXXX from the very beginning, they over billed and continued to charge for promotional start up services that were cancelled. I began keeping some notes of when I had to go to the stores to try to resolve billing errors. The store managers would correct the bills and update the billing in the store. I would be over charged ALL the time, every bill I was being charged for services I was not receiving. I was being charged for XXXX lines I did not even have. The last payment I made, I made in full to end the relationship with XXXX XXXX XXXX. I would not have gone through all of that for the last bill to go to collections. I was told by the store manager what to pay ( because my bill I was over charged ) I paid my bill in full. It should have never went to collections, never. I called XXXX about this over and over but I always got a person in a different country who hardly understood XXXX - they would literally laugh at you when you would call them. Laugh at you, outloud, in you ear, at you about your problem. Im not kidding XXXX bit. The stores near me XXXX by XXXX were shutting down and the managers and sales people I once relied on were gone and I had no one go to for help with the bill. Now even after I had paid my last bill, I was still being billed for services I did not have. I was with XXXX at this point now and had taken the XXXX phone numbers with me and I was still getting a bill for service from XXXX XXXX and I was not even with them. I tried resolving this matter but you can not communicate with people who thinks its just a big joke. 
I dug up my notes and rewrote them, I hope you can read them. I also dug up my check book with the payment I made that was calculated at the store by the manager due to over charges. This was my last bill, my last services I had.. I should have received no more bills or correspondence from them. Our relationship was done and I was so very happy about that. it was a nightmare from the beginning. I would not go through ALL of that and then not pay the last statement - that would be just stupid of me. Ive tried disputing this over and over with the XXXX credit bureaus - nothing ever comes of it and I dont know much of an investigation they conduct in an XXXX.. 
I really hope you can help me. Please let me know if there is any other information I can provide Or if you need anything else. The numbers next to the managers names are their store employee numbers. They told me to write this stuff down. I am so glad I saved it all. If I find more information can I upload it more info? 
Thank you, XXXX
Consumer complaint received 2015-03-23
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA)

i got an email from this person XXXXXXXXXXXX she pretend she was buying me furniture and said she would pay via a certified check that she mail to me i deposited it to my account then i send money supposedly to the movers in the XXXX to the headquarters. To XXXX XXXX now the bank has place my account on hold because the check was declined. Now i have to pay back all that money to my bank. Whoever this person is scam me!
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2015-12-08
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: MNS & Associates LLC (OH)

XXXX members of my family and I have all been called numerous times by XXXX XXXX XXXX stating they have legal documents to serve and wanting to verify my information. The call comes from a XXXX number XXXX XXXX XXXX and refuse to say who it is or what it is in regards to.
Consumer complaint received 2024-09-05
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. (NV)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$870.00} XXXX XXXX XXXXXXXX Balance : {$16000.00}
Consumer complaint received 2015-09-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I paid {$1200.00} on this debt XX/XX/XXXX. The medical procedure and first delinquency were XX/XX/XXXX. I applied for and was granted relief from the balance of this debt XXXX {$2500.00} XXXX by the medical provider after those payments XX/XX/XXXX. The provider was XXXX XXXX XXXX at XXXX XXXX. 
Rash Curtis is attempting to collect a debt that I no longer owe. I disputed it with the credit bureaus and it remained on my files. 
Not only is it outside of the federal obsolescence time frame for remaining on my file ( Rash Curtis may have received it XX/XX/XXXX but the procedure and delinquency was XX/XX/XXXX ) ... but they are trying to collect a balance that I do not owe.
Consumer complaint received 2024-08-09
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: Experian Information Solutions Inc. (FL)

violation of 15 U.S. code 1681 Third Party Agency XXXX XXXX XXXX XXXX failed to comply with requirements to i the consumer in order to report to any credit bureau. XXXX XXXX XXXX XXXX failed to follow dispute guidelines, CRA violated the FCRA by not following the guidelines for handling disputes. Verification letters were sent off on XXXX and XX/XX/year> requesting proof to be given within a 15 day time frame which has passed. No proof was sent back regarding verifiable proof, an original consumer contract with my signature on it for the account listed. Debt claimed owed : {$2700.00}
Consumer complaint received 2015-12-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I was contacted by bank of america on XXXX XXXX, 2015 asking me if i spent money at certain places. I told them i havent used that card in awhile. So they gave me the next steps to get my money back. I recieved a letter in the mail stating that they concluded that the charges were authorized. I called them to see exactly how they came to this conclusion because i didnt authorize any charges. They told me that since person who charged the card had my address and the security code from the back that they had the card in their possession. That was not possible because i had the card the whole time. I asked for the information from the company that i supposedly bought the items from. When I called said company a kid answered the phone and seemed very timid when i asked about the company and asked if it was a business. Not wanting to give to much information i hung up and called the bank back to tell them they obviously didnt research the fraudulent charge since I had come to the conclusion in 5 minutes that there wasnt a company by that name. They told me that the case had been closed and i was not getting my money back. I since then have filed a report with the police. This is a state issued card that is for child support.
Consumer complaint received 2015-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

I disputed a debt from Midland Funding in XXXX of last year and it was removed from all three credit bureaus around XXXX. It was re-reported and placed back on my bureaus approximately in XXXX or XXXX of XXXX, this time with XXXX late payments. I never agreed to make any payments. This debt is more than XXXX years old and I have a Experian credit report from XXXX/XXXX/XXXX showing the Midland funding collection to be removed on XXXX XXXX due to XXXX.
Consumer complaint received 2015-12-04
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

This company XXXX XXXX XXXX started contacting my friends back in XX/XX/XXXX impersonating court officials saying they needed to know my whereabouts. My friends informed me of this the day they called. They were even harassing them about information and gave out my SS # and date of birth, etc. Asking them if that was their info. This company then called me and left a voicemail saying the same thing to me. I called and asked them to send me correspondence on this matter which they gave me no information on and I never received any paperwork on this. Fast forward to the last 2 weeks. My mother has now gotten a call on this and they were harassing her about this matter and then this week, on XX/XX/XXXX they called and left me a voicemail saying they were the court and would be delivering documents to me. I called them back again the next day on XX/XX/XXXX and spoke to someone. He never identified who he was or what company they were. I gave him the reference number I was given from the voicemail and he pulled up the information. He said it was a Bank of America Visa card that I had that was closed by BOA in XX/XX/XXXX. I told him that number XXXX, I did not have a BOA Visa card and to send me written verification on this so I could verify this and keep for my records and my attorney. He then said there was a Bank of America in all XXXX states. I said maybe there is and once again said to abide by the FDCPA and send me written verification or I am going to have my lawyer contact you. He then got all mad and hung up on me. I have had enough of the harassment from this company, if they even are a company. And, if they are, how is it they can potentially ruin people 's lives and reputations with no repercussion? Your help is much appreciated. Thank you.
Consumer complaint received 2015-04-14
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (TX)

AMEX reported me to the credit agency because my credit card was XXXX {$100.00} over the {$10000.00} credit limit. I have been am AMEX customer for twenty ( 20 ) years. I was n't late or delinquent. In fact, my card is set up for auto payment, so I thought I would never have to worry about paying or checking my statement. When I spoke to AMEX, they said that rather than deny my use of the card, when it went over my credit limit, they instead unilaterally decided to " offer me the courtesy '' of not having my charge denied. This is completely unacceptable. I would much rather have my card denied, at the credit limit set for that card, than have my credit score negatively impacted. I have other cards and other means to pay for things. I do not have any way to get my now diminished credit score back. Something is very broken at AMEX for this situation to arise. I get electronic alerts from AMEX whenever anything looks amiss with regard to fraud, etc., I 'm baffled as to why AMEX could n't have automatically sent me an email letting me know they had approved charges above my credit limit so I could pay off some of my balance. I 've NEVER been late in paying my balance in twenty years. This is totally unacceptable. I hope CFPB is able to do something about this. Thank you in advance ...
Consumer complaint received 2015-04-13
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Green Square Company LLC. (CA)

In XXXX I noticed on my credit report that I had a collections from XXXX XXXX loan. I contacted the debt collection person at the time and had to proven that this was not me nor my debt. The sent me a letter stating it was resolved and it was not my debt anymore. Today XXXX/XXXX/XXXX at XXXX I received a phone call from Premier Recovery Group regarding this debt. I told the agent that this debt was not mine and was identity theft. I could even fax over the letter from XXXX. She stated that she was going to put in notes but they were going to freeze my accounts. She refused to accept the fax.
Consumer complaint received 2015-03-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I worked in the XXXX for XXXX years during the XXXX. I was entitled to a Social Security ( Pension payment ) which is paid into my Bank of America XXXX Checking account.. 
I am now living in the XXXX XXXX XXXX years old and have experienced major XXXX XXXX recently.Because of my XXXX situation I need to transfer money money to the XXXX. 
A simple wire transfer XXXX would assume, not so, I can not transfer more than {$1000.00} without purchasing " XXXX '' but to do that I need a XXXX mobile phone number which of course I do not have. 
I have spent literally hours on the Telephone trying to resolve the situation all to no avail, the only avenue open to me is to write myself a check which I am told will take XXXX weeks at least and with Bank of America response to date I do not have a great deal of confidence
Consumer complaint received 2015-03-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Fairway Capital Recovery, LLC (OH)

My mother was in the XXXX XXXX XXXX in XXXX, Ohio after XXXX. She left the facility in 2013 after having paid in full all personal expenses ( private room, telephone ) that were not covered by her medical insurance. Months after her discharge the facility sent her a bill for {$560.00}. She repeatedly sent them copies of the 'paid in full ' receipt. After more than two years since her discharge XXXX XXXX has evidently turned collection of this {$560.00} over to Fairway Capital. A caller phoned my mother several times a day for a week and, because she is XXXX, he evidently became frustrated and very nasty. Mother gave the caller my name and phone number. XXXX XXXX XXXX called me on my cell phone twice last week during work hours leaving a voice mail message claiming he was from Fairway Capital calling to collect {$560.00} from my Mother. When I returned the call I attempted to explain this is no debt as the expenses were paid in full, and I offered to provide proof of payment. XXXX XXXX XXXX said there was a debt and it needed to be paid in full or actions would be taken against myself and against my Mother.
Consumer complaint received 2015-08-10
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (WI)

A few weeks ago, I signed up for the Citi ( XXXX ) XXXX XXXX XXXX Signature ( R ) Card. I got the card and notice, my signup bonus is XXXX points. I call Citi and say, how come I 'm not getting a XXXX bonus? The guy says I signed up with a XXXX link. I ask if there 's anything I can do to amend this. 
He says I have to close the account and reopen. This is fishy to me because then I would be ineligible, as I received an offer within the last 18 months when I signed up the first time. He assures me I will get the new bonus, I just have to do that. So I close it with him. 
A week later I apply again, this time making sure it 's a XXXX offer. I sign up and get the card, but I 'm then told I 'm not eligible because of exactly what I feared, I already signed up for a bonus when I applied the first time. I call Citi and they explain why I 'm ineligible. She transfers me to customer service. They understand what I 'm saying and after a long hold, say, " We 'll get you the right bonus but you have to re-open the account you closed. '' OK. 
I ask multiple times, " The bonus I 'm now eligible for is XXXX, right? " Yes, yes and yes. He says to not worry about the XXXX account I opened, he 'll take care of it. Well today I get a letter in the mail, " Thank you for re-opening your account, your card will arrive shortly. '' An hour later, I get an email I was " approved '' for the XXXX account. 
I have called back numerous times since then checking on the status of my account. Every single time, I get a different answer from a different person. I have been deceived by Citi and they continually do not honor the things they tell me. 
Now they tell me I have XXXX accounts and I can not receive a bonus offer on either XXXX of them. I am extremely dissatisfied and feel lied to.