davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-06
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (NH)

I was speaking to a travel agent with American Express XXXX XXXX. She arranged an itinerary and booked the flight. She told me i could change the payment method but was just booking the flight. Within 24 hours i received an email that i was billed for the airfare. Before this i booked a hotel reservation online with Amex and it automatically billed my card without asking for payment method. I noticed that the hotel billed me for XXXX on my card which i did not authorize. I immediately cancelled the reservation and got a confirmation of cancellation yet the full room charges remained. I chatted with XXXX individuals through live chat plus XXXX more on the phone for a total of XXXX hours to try to resolve the unauthorized charge.Amex blew me off.
Consumer complaint received 2016-01-28
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: COMPUTER SCIENCES CORPORATION (IL)

XXXX continues to report a collection account for CSC Logic/ XXXX XXXX for a voluntary repossession that occurred 7 years ago. CSC logic has failed to provide documentation regarding legal notices or of the reasonable sale of the vehicle despite sending requests certified mail. I have provided XXXX with copies of the letter requesting said documents, copy of the certified mail receipt and the XXXX report showing the sale of this vehicle and they refuse to correct the information. I tried calling the customer service line today and the operator would not let me speak to a supervisor.
Consumer complaint received 2015-12-24
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: ALLY FINANCIAL INC. (VA)

I bought a used car on XX/XX/XXXX and financed it with Ally. I am XXXX and thus a XXXX, so I should have been included in the settlement against Ally for overcharging XXXX. I learned after the deadline had passed to submit a claim that there had been a settlement regarding the fact that Ally had overcharged XXXX who had financed cars with Ally between XX/XX/XXXX and XX/XX/XXXX. Since I am a XXXX, I should have been included in this settlement, however, Ally never contacted me or sent me any letters regarding this matter. I have called Ally several times and finally they referred me to their Settlement Administrator who was unable to help me, stating that the deadline had passed, that is why I am filing this claim with you.
Consumer complaint received 2015-11-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NY)

XXXX several occasion I have contacted Equifax Information Services LLC in regards to some allege debt that has been reporting on my credit report as deragatory or negative items. I request on many occasion that this credit bureau validate the allege debts but I have never receive any evidence of verified debt from original source. The credit bureau is suppose to request verifiable proof not partially but in whole according to federal law. The law require the bureau to only report the negative item if they have 100 percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is suppose to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. Equifax is reporting XXXX XXXX XXXX credit cards, XXXX credit card, XXXX, XXXX XXXX XXXX, XXXX XXXX, and a Bankruptcy as negative items or deragatory items on my credit report. On several occasion I have disputed these allege item and although Equifax fail to provide me with require information that these allege debt are 100 percent accurate, Equifax still reports these negative information on my credit report. I have receive letters from XXXX stating that they cant provide me with validation on debt, I have letter recent as XXXX/XXXX/15. So if they are sending me these letters how is it that Equifax is stating that allege debt has been verified. Also I have received letters from XXXX stating that they cant validate the allege debt but this negative item is till being reported on my credit files. Equifax needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. Equifax is suppose to exercise their responsibility with fairness, impartiality and respect for all consumers. Equifax never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. Equifax is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only suppose to be reported when you have 100 percent verifiable proof. Now Equifax continue to report negative items on my credit report and fail to provide me with 100 percent accurate, legitimate validation of allege negatives that they are reporting on m y credit report.
Consumer complaint received 2016-03-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (MN)

My Mortgage is paid to and serviced by Select Portfolio Servicing , Inc., ( SPS ). In XXXX, XXXX my credit score dropped XXXX basis points. I was shocked and concerned as nothing in my life had changed that would have resulted in this drop. I investigatedimmediately by obtaining a copy of my XXXX credit reports ( XXXX, XXXX, XXXX ) and immediately noticed that SPS was reporting that I had a 30 day late payment in XXXX XXXX. I proceeded to write SPS on XXXX XXXX, XXXX and provided irrefutable proof that the payment was in fact, NEVER late. The irrefutable proof was a copy of my XXXX XXXX bank statement that showed my XXXX payment cleared my account on XXXX XXXX, XXXX and my XXXX payment cleared my account on XXXX XXXX, XXXX. I asked them to immediately correct their records. I assumed within 30 days this would be behind me and that SPS would agree that they had made an error in reporting my account 30 days late for XXXX XXXX Boy, was I wrong. To my surprise I received a form letter dated XXXX XXXX, XXXX signed by XXXX XXXX, stating in part ; " Our review of the information confirms that the information we provided to the credit reporting agencies matches the status of your account. Based on this, we will not request a change to the information we provided to the CRAs ''. Since I provided irrefutable proof to SPS, I am shocked that SPS has taken an untenable position. I wrote a second letter ( certified mail ) to SPS on XXXX XXXX, XXXX giving them 5 days from receipt of the letter to change my payment history to reflect the truth, which is my XXXX XXXX payment was never late ). I also demanded any proof and evidence to the contrary that my position is incorrect. On further investigating SPS, I have found that there are literally XXXX complaints lodged against this company, which is owned by XXXX XXXX. This company has no business being granted a license to operate anywhere in the U.S. let alone being responsible enough to conduct financial operation 's here. SPS has ruined my credit, which I have diligently worked so hard to restore after the Great Recession.
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have been trying to refinance my XXXX Mortgage, this was an interest only loan from XX/XX/XXXX that went to a 6 month ARM. the value is finaly such that I have enough equity to refinance. The process was started on XX/XX/XXXX. I also have a XXXX mortgage that must be subordinated through Select Portfolio Services. All requested documents were sent by me within days of request. both companies have dropped the ball on loan processing. the XXXX lien holder took XXXX ; 30 days to complete the subordination agreement. When it was sent back to them for signature, they said it did not match the good faith. When it was corrected and sent back for signature, the signature line was incorrect!!! Now for the XXXX time the subordination agreement is with them to be completed and they are still dragging their feet. this was to refi my ARM to a fixed rate loan lowering my payment by over a {$1000.00} per month. To get either company moving I keep escalating my complaints but they both are so incompetent. They are happy to take my payment on time each month for the last 10 years of course when I refinance, they will make less money. Not sure if there is anything you can do about this issue.
Consumer complaint received 2015-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (RI)

BSI Financial denied a loan modification because they said I never sent the proper paperwork in. I sent all the proper paperwork to my attorney who then sent it to BSI. BSI is the servicer of the loan. XXXX XXXX was the original servicer and they denied me a loan modification XXXX different times
Consumer complaint received 2015-07-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CT)

Equifax deliberately negligently rubber stamped previous complaints against XXXX XXXX without investigating the facts. XXXX XXXX who was also complained to regarding the same situation came back and indeed confirmed that they were wrong on one of the 2 payments. They also negligently again indicated that another payment which was received on the XXXX of the month they would not correct and incorrectly changed the due date of the payment. The third payment that was contested was received on the date they had on their bill the XXXX due date. From the letter received from XXXX XXXX it was stated on the letter dated XXXX XXXX XXXX that they would notify the Credit bureaus promptly about fixing the misreported payment of XX/XX/XXXX As of this date XX/XX/XXXX Equifax has not corrected their credit report. which leads to the conclusion that either XXXX XXXX is not telling the truth or Equifax is not responding appropriately. This was not the first time Equifax was alerted or contested that their credit report was wrong rather it is more than 5 times including this complaint. XXXX XXXX was written as well requesting copies of the letters or reporting to Equifax and the other credit bureaus as well as contesting the appropriate due date. Both Equifax and XXXX XXXX should get their act together and do their job of reporting accurately. XXXX letters of the response from XXXX XXXX and the letter contesting their response is attached. The original statements and proof were attached in the previous complaint. I also alerted XXXX agencies that since my wife XXXX XXXX is jointly on this mortgage XXXX equity credit loan XXXX that they should have fixed hers as well. Once again as of this date XX/XX/XXXX it is not corrected..
Consumer complaint received 2016-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (VA)

I had an account transferred to Midland Funding which is a collection agency. I called and Midland agreed to settle for a percentage. I paid the percentage agreed and have received XXXX letters from Midland advising that my account was settled for less than the amount owed and the account is closed. Midland is however reporting that my account is still open with a balance due. I have called numerous times and Midland has verified that my account is closed. I am trying to obtain a mortgage and this account is preventing it. My mortgage broker attempted to have my credit rescored using the letter from Midland and their legal department which advised that nothing is due. When rescoring Midland advised XXXX that the account is still open with a balance due and has now updated my credit report to say the same as of XXXX XXXX which is after the date of the initial letter. I called Midland again on XXXX XXXX and they advised that they would send a letter saying closed but have failed to do so.
Consumer complaint received 2015-07-17
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Recovery Partners, LLC (FL)

A company called XXXX XXXX XXXX has been calling me non stop at all hours of the day and night attempting to collect on a debt from a motor vehicle accident in 2014. At the time of the accident I was XXXX years of age and insured. This company has threatened to illegally garnish my wages as well as be waiting at my house with the police to arrest me on multiple occasions. They have asked for my parents and grandparents names to attempt to collect this debt. The women who spoke to me asking for this information resorted to name calling and personal insults. This is been going on for almost 2 years now and it needs to stop! I have asked them multiple times to stop harassing me and remove my number and they just continue to do it more and more.
Consumer complaint received 2015-12-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (CA)

I am a victim of Identity theft and I have sent countless letters to Afni and XXXX XXXX XXXX. 

Both of the collections agencies are listed on my credit and are currently coming after me for a fraudulent account with XXXX XXXX XXXX. I have NEVER been contacted by XXXX XXXX XXXX but that is who they both claim the debt is owed to according to my credit. 

Afni sent me a notice dated XXXX XXXX, 2015 not trying to validate the debt but to make a settlement offer, however, the account was already on my credit and has been on my credit since XXXX 2015. I have never received a notice from XXXX XXXX XXXX they just placed the account on my credit.
Consumer complaint received 2016-01-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A. (NC)

I fell behind on my mortgage payments due to a permanent loss of income & waiting on a hearing date from XXXX with multiple times of applying or modifications and was denied because of income after 2 1/2 years waiting my disabilty was approved and recieved some back pay.Flagstar Bank had called as usual that week from loss midigation dept and I told them I recieved my back pay and would like to catch my arrearages up at that time they placed me on hold and came back with a total of {$14000.00} and had to be recieved by XXXX/XXXX/XXXX once recieved they would contact attorneys to stop foreclosure proceedings I wired money on XXXX/XXXX/XXXX proceeded to call back as to why money was not posted to my loan this went on as of today XXXX/XXXX/XXXX then I got a call saying I needed to pay {$300.00} before other amount could post. I had emailed to my contact person XXXX XXXX on XXXX/XXXX/XXXX a copy of wired funds no one called and said I owd anymore till XXXX/XXXX/XXXX almost 30 days from the time they recieved my wired funds and the 15 times I called to see why my funds where not posted and no one called attorneys to cancel foreclose proceeding so during that almost 30 days I was scheduled a court date of XXXX/XXXX/XXXX to proceed with foreclosure .This is why I am so upset with the way I have been treated by Flagstar and the uncooperation they have given me and my situation and not willing or trying to find a resolution for my issue I want to keep my home and I have said that from day one what has happened to be is beyond my control but with a little help and compassion the is a resolution that could be established with help from Flagstar.I was aways paid on time until my accident and funds were depleated then they did not care I was just a loan number a property address that they where trying to collect my past payment history should make a difference I was a good paying customer now they draw a blank face to me ... something is wrong with this picture ... ...
Consumer complaint received 2015-07-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Synerprise Consulting Services, Inc. (MI)

XXXX companies put me in collection when I did n't owe them. 
I had surgery while in the military and had an XXXX surgery at a XXXX hospital a few days later when I was XXXX. 
The hospital messed up paperwork and I never got any bills then months later I was put into collection. After finding out I got my insurance to pay which they had no issue. The collection company has really impacted my credit score and I want them removed my my name! What can be done to resolve the last part of this. They made my credit go down almost XXXX points!!!! 

The XXXX companies are XXXX and XXXX, they were affiliated with a terrible hospital in XXXX XXXX Texas called XXXX. This hospital was horrible and as I was was XXXX, they never gave me an XXXX till XXXX hrs later just before surgery! And my wife was cleaning up the XXXX and taking care of me as the nurses and doctors did nothing!
Consumer complaint received 2016-02-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX, 2015 I disputed an unauthorized inquiry on my report. I was unsuccessful in receiving a response from XXXX XXXX XXXX after not receiving a response, I sent my letter of concern to the XXXX credit bureaus addressing my concern. XXXX XXXX XXXX responded after the 30 day time frame only to ask to send additional information I have already provided. See information attached and remove this from my credit report.
Consumer complaint received 2016-01-13
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

I fear this will be handled the same inept bureacratic way as before. there are a number of issues unresolved please note i am getting a lawyer and have noticed Dept of treasury. if you respond with a bunch of photocopies of previous letters which still do not address the issue i will throw them out. I am enraged. In addition to medical emergency i have just been XXXX. 
i am trying to catch up on payments. and will. Meantime i had requested someone other than XXXX XXXX to work with and this is something i will not give up. XXXX XXXX has yelled at me in the past and has not been professional. I will not do my loan modification with him and i resent trying to be forced. it is wrong. I have rights and so long as you are doing this and refusing it i am being damaged. I am tired of the red tape spinning me out of control and working against our shared stated goals. 
I am in the process of deciding on an attorney. I do not want the bank to be held liable for the stress its causing me and worsening my condition. I want real help not a dumb answer i can not spend my time reading. Other unresolved issues include late fees i will not pay and can not and should not be billed due to this and more, but i need an escrow stmt too.
Consumer complaint received 2015-09-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (OR)

After being injured XXXX on the job, I went back to school and my mom co-signed on private student loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had no problem paying the monthly bills until my mom died last year, 2014. I wrote to AES/NCT repeatedly, contacted the original lender, XXXX, paid every amount third party collection agencies, such as XXXX, XXXX, asked. AES/NCT refused to extend a reduced payment plan that enabled me to pay my rent, bills, buy food, and pay AES. They said NCT refused ; however, when asked, AES said NCT does not hold the original loans, they do. They referred to NCT as the lender. I contacted XXXX XXXX ( CEO ) of AES and XXXX XXXX ( CEO ) of XXXX. So far, AES/NCT is refusing to deal with XXXX ( even though I have given my permission to speak with their Liaison ). They did not have a third party collection agency contact me about loan sequence XXXX and it went into default. I am not employed. I am a XXXX candidate just months away from completing my dissertation and they will not work with me and let me pay what I can afford. I am XXXX years old and so far, have been able to keep everything current until now. Because of the default, I can no longer get a XXXX loan to complete my degree and AES/NCT keep giving me the runaround but will not reduce payments to what I can afford.
Consumer complaint received 2016-01-18
Product: Credit card — 
Issue: Delinquent account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I made a large sum to pay off my credit card account with bank of America. I was assured that since i have paid the full amount and closed my account I had no more payments. A month or more later i found out that they had sent a payment that was charged a couple of days after i had made a payment, to the credit bureua as past due. I immediately called them and and requested information on a payment i was told i would not have, they explained that this interest charge was due to the fact tht i did not completly pay off the account. After the reviewed the account better they saw that i had indeed paid the full amount and that the past due payment was placed on my account a couple of days after the final payment. They stated that i would have to pay the amount or they will proceed with collections.I made the full payment and was again reassured i would not see any more charges and that the account will be closed by the end of the billing cycle.
Consumer complaint received 2016-02-04
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Resurgent Capital Services L.P. (FL)

My workplace just got served a set of " legal '' Civil Division papers a day ago for some debt that I supposedly owe in the amount of over {$3000.00}. I had my Identy stolen over 15+yes ago at a local shopping mall. I reported all the cards stolen within a matter of an hour after I noticed it gone. That was XXXX. Here it is XXXX and my employer has got legal paper to garnish my wages for some debt I do not owe. I do not and have not had any credit card accounts since XXXX and the only asserts I own are my car and XXXX bank account that I have had over 20+yes with the same bank. The papers my employer received were a labeled LVNV FUNDING LLC ( plaintiff ) I have not received anything in the mail about this at all and again I have no Credit or Owe? 
I am a single mom with XXXX kids and trying to make ends meet is a challenge every week and now these people are trying to garnish my wages on something I do n't owe? How is this legal or possible?