davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

REquest a new signle point of contact as soon as possible.

Rushmore continue give us a lazy, careless, unprofessional single point of contact ( SPOC ) for my account, I think Rushmore just want to foreclosure my property and make more money than want to help me, most SPOC Rushmore assign to my loan they did not do their job, they make it hard for everything, when I submit the loan mod they have many reasons not review them or they said that missing doccuments, Rushmore people think that thay above the law, whatever they treat borrowers the GovermentS, Authority Agencies, the Federal Deposit Insurance Corporation ( FDIC ), the Comptroller of the Currency ( OCC ), the Federal Reserve System ( FRS ), the National Credit Union Administration ( NCUA ) the Office of Thrift Supervision ( OTS ), will not know, View all links
customers talk about them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now they have another SPOC his name is XXXX XXXX, his office in California his phone number is XXXX, he said that my last payment is XX/XX/2016, Rushmore did not receive any payment from me from XX/XX/2016. That is not true, here are attached payments until it overdrawn when Rushmore increase payment from {$2900.00} to {$11000.00}. Moreover XXXX XXXX refuse to talk to my representative XXXX, even he did not know what he's talking about " he said that my last payment is XX/XX/2016, Rushmore did not receive any payment from me from XX/XX/2016 ''. Rushmore recorded the conversation, please review it for yourself. I am extremely disappointed and I do not know how to deal with Rushmore, they do not want to help the borrowers. 
I really need a new SPOC, I can not work with XXXX XXXX. Please help!!
Consumer complaint received 2018-02-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MI)

Today, XX/XX/18 around XXXX XXXX I called Paypal credit to inquire about a late charge on my XX/XX/XXXX statement of {$38.00}. A payment of XXXX was due by XX/XX/18. I routinely pay {$60.00} every two weeks for a total of {$120.00} per month. I paid 120 for my XX/XX/XXXX statement when {$100.00} was due and was still charged a late fee of {$38.00}. The initial clerk could not explain why this happened and forwarded me to a supervisor named XXXX ( no sure of the exact spelling. ) She refused to remove the charge and would not listen to what I had to say. I am happy to provide you with a copy of the statement. 
Thank- you XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX
Consumer complaint received 2018-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (TN)

On XX/XX/XXXX I went to an XXXX store in XXXX, TN and tried to pay for my purchase with my XXXX store card. The salesperson tried running the card twice, but it kept getting denied. I finally left the store embarrassed, as people were gathering and she was also calling her manager. I called the toll free number for XXXX and the automated system told me that theres {$250.00} limit on the card ( as it was before ) and that no payment is due at the moment. I finally got through to an operator that informed me that my account was closed as of XX/XX/XXXX. I have not received any correspondence from XXXX, the automated information still tells me that I have a line of credit and after logging into my account online, it also states that I have credit available. I have suffered great humiliation at the store, was embarrassed beyond belief and Im too embarrassed to go back to that store. I understand that banks can close account at any point, however they must notify the credit card holder of doing so, which XXXX has failed to do. The manager I  spoke with could not explain why this happened and how they can prevent this from happening again. A multi billion company has failed to provide customer service and they dont have plans to fix this.
Consumer complaint received 2018-02-24
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: EQUIFAX, INC. (NY)

Attached to this complaint is all the evidence and records proving that Equifax is willfully negligently and recklessly reporting inaccurate data on my credit file and not conducting reasonable investigations causing me financial injury. They keep willfully reporting even after I provided them proof.

An investigation needs to be done regarding Equifaxs abusive and reckless method of verification process.

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from Equifax, A copy of this dispute will be used as evidence if needed.

The following information is being reported inaccurately, falsely and unfairly by Equifax. 

XXXX XXXX XXXX # XXXX Equifax is causing me financial injury and negligent enablement of identity fraud. 

I am fearful to apply for new credit because of the anxiousness of thinking I will be denied resulting from Equifax 's inaccurate reporting. 

METHOD OF VERIFICATION I would like Equifax to provide me the name of the original creditor, the address and phone number of the original creditor, the person at Equifax who verified the dispute with XXXX XXXX XXXX at the time of the dispute request and the documentation that was used to verify the dispute at the time of the dispute request. If Equifax can not send me these simple items, then I demand the account be deleted. 

I do not consent to XXXX as a means of reasonable investigation for my credit disputes. I need proven documentation, i.e. signed contracts, and/or dated signed cashed checks to show accuracy of the verification of my particular dispute. 
Equifax must prove they conducted a reasonable investigation for them verifying it at the time of the dispute request. XXXX  can not hold in court as per the noted court cases. 

XXXX v XXXX XXXX v XXXX/Equifax XXXX v XXXX ( XXXX  ) The Equifax data breach has shown me that I need to stay on top of the credit bureaus compliance to all Federal Laws regarding my credit file. This XXXX model of verification must stop because of the many fraudulent accounts it may create for consumer credit reports! 

At this time, Equifax does not need to falsely verify this account again. The only acceptable thing they need to do now is to delete it immediately! 

I demand to see Equifax 's method of verification and the documents they relied upon to verify this account at the time of my dispute regarding this particular account as per the FCRA.
Consumer complaint received 2018-02-25
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: FIFTH THIRD FINANCIAL CORPORATION (KY)

Unauthorized XXXX credit inquiry unauthorized on credit reports XXXX  refuses to remove them told me to contact them myself. 
I contacted them and they are not removed from XXXX  credit report. 

My information was compromised from XXXX data hack. Someone was using my identity.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I have a settlement sheet showing this house was paid off on XX/XX/2017 however this bank is reporting incorrectly that I was 60 days late on the loan as of XX/XX/2017. Reporting shouldve ended on this line of credit for XX/XX/2017 with me only being 30 days late at the time.
Consumer complaint received 2018-01-30
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. (MD)

I have a settlement sheet showing this house was paid off on XX/XX/2017 however this bank is reporting incorrectly that I was 60 days late on the loan as of XX/XX/2017. Reporting shouldve ended on this line of credit for XX/XX/2017 with me only being 30 days late at the time.
Consumer complaint received 2018-01-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

XXXX XXXX " sold '' my mortgage to Specialized Loan Servicing, LLC XXXX ), last fall. A couple of weeks ago XXXX  sent me a statement detailing my escrow account. I'm attaching same for your convenience. The statement shows my projected escrow account will total {$2100.00} and the projected disbursements from my account will total {$2100.00} for a difference of XXXX cents. 

On the statement it says " Cushion selected by servicer : {$350.00}. '' Do they have a legal right to hold an additional {$350.00} above what is needed to pay the annual taxes and insurance? In my view it would allow them to earn interest on my money for the life of the loan.
Consumer complaint received 2018-01-30
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 — Was not notified of investigation status or results
Company: U.S. BANCORP (CA)

I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the case and stating my reasons had nothing to do with them the account was VALIDATED well i asked to be sent proof and that was not done I NEED THE ACCOUNT TO BE VALIDATED, Proof of My WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX  California XXXX acct. XXXX XXXX RMSCC # XXXX $ XXXX ...
Consumer complaint received 2018-02-25
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

Upon reviewing my credit report i noticed an account that is listed under MEDICAL.

Two issues with this situation : 1 ) I was never contacted by the collection agency at my address 3 XXXX XXXX, XXXX, NJ XXXX and/or called by the this agency. 

2 ) I have called their office - The number listed on my credit report and explained that I was covered under two medical insurances ( mine and my wife ). The original facility only processed one of the two medical cards for payment hence their was a balance left. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Under hippa my medical information is protected. Where's the medical release form? Why does a third party collection agency have my information? ARS Account Resolution needs to IMMEDIATELY furnish me with a medical release form or remove this account. I take my privacy and my rights serious. 

My expectations : 1 ) I am expecting the negative credit account be removed from both credit reporting agencies.

2 ) They need to give my file back to the original medical facility that needs to properly submit our medical information for payment.

If this matter is not properly resolved after this attempt. I will also be filing a lawsuit against the original creditor that sold this debt and Account Resolution Services as their inability to process the correct paperwork has hurt us financially with a recent car loan.

How can a company submit a negative credit rating for a bill that was mishandled by the original creditor and never even contact me regarding this situation.
Consumer complaint received 2018-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

Loan Inquired about recasting on XX/XX/XXXX Did not hear from company untilXX/XX/XXXXby mail, despite being told someone would call me withing 24 hours. 

Submitted large principal payment onXX/XX/XXXX to signal recast. Was assured paperwork to recast loan would then automatically arrive by XXXX  later the following week (XX/XX/XXXX latest ). Package did not arrive ( and was not sent by XXXX ) until XX/XX/XXXX. 

Recast document contained two legal errors which amounted to entrapment whereby I was forced to acknowledge that interest rate might change could change and payment could change, despite the loan interest rate being fixed and payment being fixed with no escrow. Requested that they change the language. Wells refused and obfuscated. Spoke to independent attorney and was advised that Wells was in error and document should be fixed. Wells essentially said " take it or leave it ''. 

High unethical. Predatory. Incompetent. Bureaucratic. Worst customer experience of all time. If you can avoid Wells Fargo, avoid them.
Consumer complaint received 2018-01-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation (OK)

Im self employed and I got a large personal loan through XXXX XXXX in XXXX ok. I put my wifes phone number as the office number to my shop because she deals with the office. Well the manager and asst manager in the office, XXXX and XXXX, have both called my wife on multiple occasions and instead of asking my wife to get me a message to give them a call back. They released all my personal information. My wife is not on this loan, she knew about it yes, but I did not give the office permission to discuss the account with my wife other than leaving messages with her to give to me. My wife had called up to the office to make a payment on the loan and the branch manager XXXX told her that she needed to pay more or they would be filing legal on her. She reminded the office she is not on the loan and is not suppose to be discussing details of the account with them because she is not responsible for the loan, and they have called back multiple times. Sent collateral secured letter to my home saying that we had a vehicle secured by this loan, which there is not a vehicle secured loan at all. Ive tried calling XXXX XXXX XXXX   office on multiple occasions and have not received any call back from anyone.
Consumer complaint received 2018-02-25
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: SYNCHRONY FINANCIAL (CA)

I was recently online looking to get more information on health credit and i believe they handled my information wrong and used my information as if i were to apply for a company titled SYNCB / National Cred Cards Airlines and I don't seem to recognize it.the only time I used my information to ( not apply for a health credit card was when I was on the Care Credit website ( for the health credit ) to apply for more information. I am fairly new to building my credit and I notice it hit a hard inquiry on my account and brought down my score. Unfortunately I have no memory of apply for a credit line with SYNCB ( Care Credit ) I do recall going on their website and applying for more information regarding pricing. All I'm asking is for this inquiry to be removed because I'm trying to build my credit and I understand its a learning process but I do not understand why they didn't notify me it will affect my credit if I were to apply anyways. Which in my case I think they handled my information wrong & I would like to be forgiven for the recent score it dropped on my account.
Consumer complaint received 2018-02-25
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. (MI)

Have already followed up on this through a complaint but nothing was resolved. XXXX resolved, but transunion has not. They instead have mentioned an issue with my address which is not an issue. The address given is on my report and had been for 18 years. I have inquiries that were not authorized and they are not being removed which is unfair and to my knowledge illegal to have allowed these inquiries to be on my account from unauthorized applications. The unauthorized inquiries have been now removed from everywhere except transunion as i am having difficulties coming to a resolution. Ive written letters back in XX/XX/XXXX when my police report was filed only to no avail. 

What needs to be removed is this credit card from XXXX XXXX, inquiries from XXXX XXXX, XXXX, cXXXX XXXX XXXX ( valid inquiries for XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX ), XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 

I truly hate being a pain but these inquiries are insane and even an added account onto my report has happened since i placed the fraud alert on my report. Ive followed the needed steps with filing the police report and monitoring closely, yet these things are piling up, only on my transunion. All other reputable reporting agencies have resolved this issue. The adddresses on my report at XXXX XXXX XXXX is valid and has been for 18 years. I also have an address at XXXX XXXX in XXXX which is also valid and on my report. Please help me.
Consumer complaint received 2018-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

Hello, I got an email about 2 years ago from XXXX XXXX that my student loan was defaulting to my surprise. I reached out to them immediately. When I called at them they told me my account had been suspended and turned over to the default resolution group and to wait for them to contact me. I checked my credit report cause I thought I had just recently had re set up payments, and it even was reported I made the 6 previous payments before this issue. I called back and explained the situation and even offered to pay  whatever outstanding there was. They told me there was a note attached to my file saying I couldnt make payments and to wait for the default resolution people to contact me ; so I waited. They never contacted me and my loan continued to collect interest and damage my credit score. Finally I reached out to them a year and half later. The first thing I offered to do was pay them XXXX $ because thats what they said the outstanding balance was and they still told me I couldnt. They had me fill out debt consolidation forms to get my out of default only to find out from the next agent I spoke too a week later that this special type of loan would never qualify for that process. After talking to several people and asking for supervisor after supervisor I finally spoke to someone who told me that my loan cant go through default resolution because its system isnt set up for this type of loan and basically Ive been waiting under their guidance for something thatd never while they collect interest on my account. Im just trying to get this resolved so I can repair my credit score and settle this last loan. Thank you for your time
Consumer complaint received 2018-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

Back when I joined the XXXX and I heard about this program I switched and reconsolidated my loans back in 2014. I filed out all of the paperwork and continually followed up to make sure everything was processed and all set to which I was informed that I was. Then as I continue to pay after a year and I receive the annual income verification, I find out a year later they never processed my original with my application and my last years worth of payments didnt count. So I fill it out and they finally process it and change my account. Then I continue to pay and check in again to make sure and then they ask for my employment again and they havent counted any of my other payments. I process that paperwork ( meanwhile all these processes and changes take months and you forget about them ... ) and they dont seem to backtrack. Ive gone through so many hoops since 2014 to get this right and after four years with this company they have only counted TEN of my 120 payments. There were months where I was overpaying and no one notified me. I was on the phone with a lady and she said I had 40 qualified payments yet my account only shows 10. They are horrible and dont know what they are doing and cant process or manage accounts. There were months I would pay and the balance wouldnt even go down at all. XXXX is the worst.