davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

My homeowners insurance policy was scheduled to expire on XX/XX/XXXX. However the renewal was {$3900.00}. I found a cheaper policy for {$1700.00} & the insurance agent forwarded the declaration page to Select Portfolio Servicing on XX/XX/XXXX. After several phone calls to SPS, I was told on XX/XX/XXXX that a cancellation had been received for my previous policy with XXXX  XXXX XXXX XXXX XXXX my new insurance information with XXXX XXXX XXXX ( XXXX XXXX XXXX ) in the amount of {$1700.00} had been processed & mailed on XX/XX/XXXX. As of today, XX/XX/XXXX, the new insurance carrier never received a payment for my new insurance policy & SPS is threatening to buy insurance for my property at a more expensive price because they received a cancellation from my new insurance carrier. I am writing to you asking for your assistance because this company has a reputation of fraudulent practices & something needs to be done to ensure that the consumers are protected. Please note that although a date is stamped in their system indicating a payment was processed & mailed, the payment never actually leaves their office for over a week. If I contacted SPS on XX/XX/XXXX to let them know that my insurance policy expired on XX/XX/XXXX, then when the payment was processed on XX/XX/XXXX it should have been overnighted to my new insurance carrier. This is the practice of other mortgage servicers & it should be the same for SPS. This company is fraudulent & a complete rip off to consumers & need to be closed permanently! Please help!
Consumer complaint received 2017-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (NJ)

Eve ry month since I obtained this PNC Bank Visa card I have paid the monthly balance from my PNC Bank checking account bill payer feature. Every month I log into my account, insert the credit card balance amount, the payment date, and submit the electronic pay ment. I timely submitted the credit card payment to be electronically tr ansferred on   XXXX   XXXX   XXXX  . However, on this occasion PNC Bank sent me a check ( see attached ) that is payable to " PNC Visa Card. '' When I received the check in the mail I called PNC B ank and arranged at the suggestion of a customer service person,  XXXX   XXXX , to transfer th e Visa c ard balan ce due to Visa ( a n alternative payment method which I had previously not known was available ) ; and I asked  XXXX  to reverse the late fee and interest related to this screw-up. She said, on   XX/XX/XXXX ,   she could not do that but would escalate my waiver requests. A  day or two later  I was called by a person,  XXXX , responding to the " escalation '' request and she agreed to reverse the {$25.00} late fee and said no interest has been charged. I followed up on   XX/XX/XXXX  , after ch ecking my online PNC V  isa  statement, by again calling customer service and spoke with  XXXX  who said she would again escalate my fee and interest waiver requests as she was unable to connect me to  XXXX  ; and  XXXX  informed me, as  XXXX  had done when she first escalated the requests, that I will be contacted within  48 h ours. But I 've  not been contacted with respect to this matter. So, the late fee and interest charge remains on my account, I want it refunded since the Visa payment was late due to PNC Bank 's issuance of a check to me rather than having electronically transferred the payment to PNC Visa.
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (WI)

I have been with  XXXX   XXXX  debt solutions since  XXXX -2016. Payments have been made on time every month to all credit card companies. I discovered that a lot of the credit card companies were reporting me late, so I sent in a dispute. It looks like all of them fixed the reporting issue accept   XXXX   XXXX   and  XXXX   XXXX .   XXXX   XXXX   shows I have never made a payment on time now which is completely wrong and   XXXX   XXXX    still is reporting me late and that is wrong. The only month that should have been late was  XXXX . From  XXXX -2016 to current all payments have been made by the debt management company.
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX received my signed physcians statement of permanent XXXX for the XXXX discharge application in XX/XX/XXXX, by certified mail return receipt. 

They received my signed statement in XX/XX/XXXX by certified mail return receipt that I had no income. 

XXXX still has my credit report showing I owe them large amount of money. Not recognizing or recording XXXX discharge.
Consumer complaint received 2017-06-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Allied Collection Services, Inc. (Nevada) (MI)

Allied Collection Services, LLC has contacted me 4-5 times a day from various phone numbers and they will only allow the phone to ring once before disconnecting. Forcing me to call them back thinking it is a legitimate call. The one time I did speak to somebody from the company they told me I owed a debt regarding a payday loan that I do not recognize. When I stated as such I was told " I 'll take this as a direct refusal and when this shows up on your credit report feel free to give us a call back. '' to which the operator disconnected the call. I attempted to call back and nobody answered. On that same call I requested a Validation of Debt letter but never received one. The rep never confirmed my address or validated whether they would send one. They have posted the entry on my credit report now tw ice to the same credit report, showing as  XXXX  different entries. This action is highly illegal.
Consumer complaint received 2017-06-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

on  XXXX   XXXX  a transfer of  XXXX  $ was sent to my venmo account from user  XXXX . I was then messages from the user that the transaction was a mistake and that i need to send back the  XXXX  that was sent to me. I reached out to a rep and asked him about the  XXXX  and if it was actually getting transferred? the rep then said that  a specialist will reach out to me regarding the situation. A few days later i received an email stating that my venmo account is being deactivated permanently. I asked if there is is documents or anything i can do to rea ctivate my account and deal with the situation i was put in and the rep has never responded to me.
Consumer complaint received 2017-06-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Focus Holding Company (CA)

On or about  XXXX   XXXX ,  2017 ,  Focus Receivables Management r eported to   XXXX   a false claim that I owed {$500.00} to an unnamed entity. They claimed a fictitious account number of  XXXX . I have no outstanding debt ; certainly none in arrears and no account ending in  XXXX .     I have not received any communication from Focus or any other entity regarding a debt. I believe they are operating in violation of Californ ia Civil Code section 1788 et. seq.
Consumer complaint received 2017-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hired  XXXX   XXXX   XXXX  back in  XXXX   XXXX  and it did not get resolved ; Once I let  XXXX   XXXX   XXXX  go because it did not get resolved I took over  resolving  my credit issues and reading up on FCRA and Privacy Laws. On  XXXX   XXXX ,  XXXX , I disputed my bankruptcy that is being reported on my TransUnio n Credit File a nd it came back verified immediately, but they did not supply any information that I requested in the letter. I resubmitted another letter on  XXXX   XXXX ,  XXXX , this time I submitted a letter from th e U.S. Bank ruptcy court along with my original letter plus an additional letter stating they do not report to credit bureaus. I sent a certified letter which they received on  XXXX   XXXX ,  XXXX  stating the FCRA regulation for Sectio  n 623 ( a ) ( 5 ) -- stated below.
Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
( 1 ) The information was n  ot verified because of the letter I received from the bankruptcy court on  XXXX   XXXX .  ( 2 )  I submitted a Security Freeze on my  XXXX  Consumer File Case No.  XXXX  that was confirmed on  XXXX   XXXX ,  XXXX  by mail. I have not lifted that Security Freeze so therefore it was not verified.     When I spoke with the representative at TransUnion they informed me everything was verified and accurate on bot h Bankrupties Chapter   XXXX  that was dismissed and Chapter  XXXX  that was   discharged and also a Lien. I do n't understand how they were verified when noone at the courts verified and there is a Security Freeze in place.
I have attached all documentation showing such information.
Consumer complaint received 2017-06-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

This involves account number  XXXX  SLS, the servicer, has repeatedly ignored my requests to remove  XXXX  late charges. I have asked SLS to change the due date from th e  XX/XX/XXXX of  each month FORWARD to the   XX/XX/XXXX of  each month to stop the confusion that has led to late payments. Those requests have been ignored. SLS services  XXXX  loans I have including the  XXXX  being discussed now. Several months ago, unsolicited, they offered to modify the other  XXXX  notes to interest only for an additiona l five yea rs. I expected they intended the offer will all  XXXX  notes. Again, my inquiries on this have been ignored.  <P/>  SLS  has refused to remove the late charges. The conduct of SLS is at best reprehensible if not criminal
Consumer complaint received 2017-06-13
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. (GA)

I have multiple inquiries on my credit report that were unauthorized. There is no way that someone should of been able to access my credit file this amount of times unauthorized.   Experian should delete these back to back inquiries asap.     Account name   XXXX   XXXX   XXXX   Date of request ( s )  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   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
Consumer complaint received 2017-06-13
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. (NM)

In  XXXX  of  XXXX  I pulled my credit report and foun d that Dept. of  Education/  XXXX   was reporting my account as 90 days pat due in  XXXX . This is inaccurate- even on their own page it shows I only did not pay 1 month and that was deferred while my income based repayment plan application processed. On th e Credit reports it shows the month prior to that month the account is in good standing and the month after is in good standing as well. I first sent a good will letter requesting the information be correctly updated- se nt return receipt request  via USPS . That was followed up by being informed to log into my account and dispute the information. I did as was ask ed and approximately 45 days later was notified that the information will be remaining the same, when I called in I was told that they do not re port 30 or 60 days late payment and all late payments are reflected as 90 days past due. I stated this was  unfair and the customer service representative apologized and restated that the information would be remaining the same.   I then contacted the  XXXX  credit bureaus and request the information on the late payment be removed as it was incorrect and sent in the letter to  XXXX .   XXXX   sent notification that they saw this and removed the late payment. TransUnion and  XXXX  declined removal and stated the information would remain on my report as their " investigation '' found it to be accurate- even with proof off their own reports showing the month prior to the " 90 day month '' showing account in good standing and the month after showing paid.
Consumer complaint received 2017-07-06
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Maury Cobb, Attorney at Law, LLC (HI)

I have been sent to Maury Cobb Law services for an account at XXXX and this company started to call me non stop.When I called them back, XXXX, XXXX of the agent said we can settle it by making the monthly payments.I really wanted to clear off my balance but only can afford $ XXXX monthly until I pay off my {$6000.00} past due.For fee months I was making regular payments until they offered me a settlement amount.The only thing is, I could not come up with another {$1300.00} immediately so they have not stopped calling to collect the remaining payment.
Consumer complaint received 2018-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION (GA)

I check my account anytime that I make a purchase to make sure that the funds are available and that I don't have an overdraft fee. This morning when I checked my account, there were 4 overdraft charges on my account. I checked 3 out of the 4 and there were funds available when the transactions were made and posted. I then called the bank which they have longer than usual hold times of up to an hour when usually I can reach someone immediately. I waited for a callback and spoke to someone named XXXX with an operator ID of XXXX. He then said that all charges were valid even though I advised that my app and my online account were showing that the funds were available for each transaction. He then proceeded to ignore the questions that I was asking him saying that he was trying to explain each transaction. I listened to one transaction and told him that didn't match up to what I saw online and through my app on my phone. He then said that all charges were valid. I requested a supervisor numerous times becoming more and more irate as the time went on because he refused to put me on hold though I told him that I didn't mind being put on hold. He came back not even 30 seconds later and said that no supervisor was available. So then I told him that I would hold and it didn't matter how long but that I would simply hold and that I also wanted to close my account due to his horrible customer service. He then refused to put me on hold for a supervisor and disconnected the call. I have downloaded my statement as of today XX/XX/18 at XXXX XXXX and my account was only overdrawn once and to that, I am also questioning because of the other erroneous charges on my account. I'm including the charges and also a highlight of when the charges actually came out of my account and the amount left when the charges had come out. I offered to send the same information that I was reviewing with the representative but he refused to accept my documentation. If my account didn't have the funds in there when the purchases were made it would show and if it were negative it would also show. This statement shows that the funds were there, however, the representative was saying that there weren't funds available. Either their online and app is behind and slow or they have inaccurate information in their system. Either way, it isn't the consumer 's issue or fault if they have something completely different in their system than what our online account and apps show. We rely on the information that is provided through their website and their applications so it should be accurate and up to date. We shouldn't see one thing online and be told something completely different when we call.
Consumer complaint received 2017-06-13
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: Experian Information Solutions Inc. (FL)

The credit bureau is reporting a  XXXX   XXXX  account (  XXXX  ) on my credit that is not mine. I have never had any notices or letters sent to me by this company and I do owe them {$4900.00}. I am filing this complaint because I have sent disputes to the credit bureau numerous times but they have not addressed my concern adequately and are still reporting someone else 's account on my credit. I have gone so far to even call this  XXXX   XXXX  company using the contact number provided in the credit bureau letters and they can not find records that match my personal information. I feel stuck because the company can not send me someone else 's information and the credit bureau keeps saying this account is mine. They are refusing to delete this other person 's account from my credit.
Consumer complaint received 2018-04-16
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: BARCLAYS BANK DELAWARE (IL)

On XX/XX/2018 I logged into my XXXX account, I saw that my Mileage balance was XXXX. I had over XXXX miles on my account. I called XXXX ( XXXX XXXX XXXX Customer Service with Barclay Credit Cards ) immediately, and was told that my miles expired because I didn't use the card in 6 months. I was so frustrated because I pay the card monthly, so there is activity on the card each month! I was told that " payments '' don't count as activity. I am really upset, because I signed up for this card a couple years ago when I was flying XXXX, and the airline attendants that were " selling '' the card never disclosed to us that we need to use the card ( or what the definition of " use '' was according to XXXX ). The flight attendants stood there promoting and advertising this credit card, and so I applied because it looked like an attractive promotion, but they were extremely deceptive and unfair in the fact that all the terms were not disclosed to us. I called XXXX today and spoke to a representative and she told me in order to get my miles re-activated I had two options, I can purchased XXXX miles for {$25.00} or I can fly with XXXX within 2 months. That is ridiculous! I ended up paying {$26.00} with tax to get the XXXX miles so my total of XXXX miles would get re-activated. This is such an abusive and deceptive act. I want my miles credited back to me and my {$26.00} back. I don't feel that I should pay for this when the terms weren't explained to me.
Consumer complaint received 2018-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (OH)

No matter how much I pay on the loan they say I am behind. I have paid over 15,000 on the loan in the last year or less and they say I am behind. They keep charging late fees. If I had been more than a couple of payments behind they would have been for closing and they weren't. When I call them they tell me if I don't like the way they treat me I should refinance with someone else. 

Can you help They handle the loan for XXXX XXXX I did not take the loan out with them it was sold to them and they have always been trouble. SN Servicing Corp is  in XXXX calif
Consumer complaint received 2017-06-13
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. (NE)

After multiple disputes and attempts to resolve with the creditor  XXXX  and  XXXX , the company has agreed to delete the inaccurate information from my file. All credit bureaus have been compliant, except for TransUnion. The request to withdraw the invalid account was made in  XXXX  and has yet to be fulfilled by TransUnion. I have attached a letter directly from the creditor proving their intent to delete the account and a copy of my credit report from Transunion showing their willful non-compliance.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Global Lending Services LLC (MI)

Since XX/XX/2018 I have submitted multiple disputes regarding Global lending service. I do not owe this account and it is consistently being reported as inaccurate which is a violation of my rights and the Fair Credit Reporting act.
Consumer complaint received 2017-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (IL)

My husband passed away and  XXXX  times I have faxed and mailed to them the DEATH CERTIFICATE to remove my husbands name off of the loan. They have not done so, even thought they have promised many times.   I want his name to be removed. I am attaching the death certificate again to you in order for his name to be removed from the loan.