davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

We received a letter from Select Portfolio Servicing , Inc. dated XXXX XXXX, 2015 which is an invitation to a Free Homeownership Preservation Event at XXXX in XXXX, NY. We will not be attending the event. We are not a customer of Select Portfolio Servicing and deny any contractual or other relationship with your organization. 

As SPS knows or should know, we have written previously informing SPS that there is no delinquency. We have disputed the debt -- as well as the authority of SPS to act in any capacity in regard to the alleged account number they reference. 

We have disputed this debt ; therefore, until affirmatively validated, SPS knows or should know their information concerning this alleged debt is inaccurate. Thus, since they have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, they must immediately inform them of our dispute with this debt. We have received a copy of such report from Experian where SPS still lists the debt as a mortgage debt. Reporting information that SPS knows to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act1681s-2. 
SPS continues to persist in pursuing collection efforts without validating this debt, we are herewith informing SPS of another complaint that will be filed with the Consumer Financial Protection Bureau based on their failure to comply with the FDCPA, Section 809. 

SPS has admitted that it is not the servicer of this account or any account in connection with us ; that it is only attempting to collect an alleged debt based on " servicing rights '' ; that SPS has made contractual arrangements with other parties for their own profit ; that SPS has harassed us and continues to harass us ; that SPS has not proved and is unable to prove that we owe any debt.
Consumer complaint received 2015-03-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (AZ)

The debt is from an overdrawn checking account from XXXX sometime around XX/XX/XXXX. The representative for ability recovery agreed to remove this debt from my credit report if I paid in full. around XXXX/XXXX/XXXX I made the payment of {$130.00} from my XXXX account. This is paid in full.
Consumer complaint received 2015-10-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO. (FL)

I was n't sure how to list this situation. I received a call from one person ( a female ), who refused to identify themselves. They said they were trying to contact me ( using an old name I have n't used in over 15 years ). They said I was going to be served with a debt collection lawsuit, and they could only out it on hold for 30 days if I call another number that they provided, referencing an account number. They did not say they were a debt collector, but that they were hired to track me down. So, I called the number they provided. The person who answered looked up the account, did not say they were a debt collector, and said that I owed money on a bank account ( that I do n't even remember ever having ) from XX/XX/XXXX. They said their attorneys had reviewed the file and said it was able to be collected and they could sue me. The gentleman said that I could do what I wanted. He seemed confused because of the date ( he thought that he could n't collect anything before XX/XX/XXXX ). He said he would have another area review it again, but notes said it had been reviewed and approved by the attorneys. I told him I do n't remember any bank account with that bank and that it seemed odd. I have never received any letter from this company or about the debt they say I owed. 

Also, I filed Chapter XXXX bankruptcy in XX/XX/XXXX. All debts I was aware of were listed on the bankruptcy filing. 

The tag team method of collection is disturbing. Threatening a summons immediately if I did n't call a second number seems shady. The first caller having or providing no real information on what was going on, only telling me to call a second number, seems not quite right.
Consumer complaint received 2016-02-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (VT)

I had a storage acount and I called to make arrangements to close the account. There was to be an auction of my stuff and then a final bill sent to me. However I did not receive a final bill, instead I received a bill from a collection agency asking for the money in 30 days. In addition to the amount I owed they wanted {$170.00} collection fee. Talked to the storage company and we settled on paying only the orginal amount. Now it 's paid in full. However I go to check my credit score and now they reported it AFTER its been paid and the amount they reported is the amount they tried to extort from me. Now my score went down.
Consumer complaint received 2015-06-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: C B Merchant Services (CA)

CB Merchants of XXXX XXXX California was contacted by XXXX XXXX, me, to ask about an " advertising '' debt that I wanted to pay. It was at this time that they said I had a debt with XXXX. I was surprised to find out that the account had been there since XX/XX/XXXX. I was not aware of the account. They never contacted me prior " me calling them. '' They also have an ex-wife 's name on the account who has not been associated in anyway with me financially sine XX/XX/XXXX. They were rude and have not provided me with an accounting. XXXX has not provided me with an accounting either even though I made payments to them and provided them with amounts, dates and check numbers. This is extortion.
Consumer complaint received 2015-12-05
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Monterey Financial Services LLC (MD)

I ordered an exercise machine from XXXX off of a television infomercial. I agreed to pay XXXX payments of {$49.00} per month. One month after receiving the equipment I received a letter from Monterey Financial Services advising that I have a loan with them. A week later the account showed up on my credit bureau report. I never agreed to having an installment loan placed on my credit bureau reports. XXXX XXXX took it upon themselves to set up an account with Monterey Financial. During the course of paying for the equipment I got behind and Monterey Financial reported me as 61-90 days past due. When called Monterey and advised that I was going to sue them as I never gave authorization for them to open an account in my name and place it with the XXXX credit bureaus. XXXX the representative I spoke with received authorization from her supervisor XXXX XXXX that Monterey would change the status to paid as agreed if I paid the account off.I checked my credit files and found that they only reported the account as paid but with late payments. This was not the agreement. Further more the account should have never been placed on my credit files.
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2015-07-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (ID)

Hello, On XXXX XXXX, XXXX XXXX sent XXXX refunds to my closed SunTrust acct. ( Amounts and reference IDs are as follows : {$260.00} Ref ID # XXXX and {$66.00} Ref ID # XXXX. ) SunTrust supposedly issued a check, or checks, in the amount of the total refund and mailed it to my old address. I never rec 'd a check. I have requested the check be cancelled and a new check mailed -or- the money be deposited into my new SunTrust acct ( preferably ). 
I have spent countless hours, receiving different information from both employees and Sups as to what happened or what needs to happen in order to receive the funds that are rightfully mine. The last time I spoke to SunTrust was today, XXXX/XXXX/15 and was told by a Sup that I needed to sign an Indemnity Form before the funds could be released to me. However, I was told a few wks ago by a diff Sup that I, as well as XXXX, need to have notarized signatures on this form. XXXX can not or will not participate in SunTrust 's request for a notarized signature. They have already done their part by issuing the refund. Also, the Indemnity Form basically states that if for any reason SunTrust decides not to reissue the money, they can not be held liable for compensation, including any legal fees I, as the consumer, may incur in trying to recover the funds. The fact of the matter is SunTrust bank has and has had the funds for over a month and a half now and refuses to release them to me. Please help. 

Sincerely, XXXX
Consumer complaint received 2015-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MA)

In XX/XX/XXXX I called my mortgage company ( Nationstar ) to modify my loan as my interest rate was at 5.75 %. I submitted my financials and required documentation waiting to hear if approved for the modification. On XXXX XXXX I XXXX and I called the mortgage company to inform them of the change in circumstances. I was told not to worry about it. I was not offered the XXXX program of forbearance or payment reduction. I was finally approved to the modification ( or so I thought ) and closed XX/XX/XXXX, still XXXX at this time. I was rushed through the closing and when I had time to review the paper work a refinance was processed with closing costs of {$8200.00}! On top of that my rate was reduced by less than .50 %. 
My XXXX ran out in XX/XX/XXXX. I was unable to make payments and I called to see if there was anything I could do. I was told at that time about the XXXX forbearance but I was not eligible because my XXXX ran out. 
I started working again on XXXX XXXX and had signed a 150 day letter to cure expiring on XX/XX/XXXX. I was told to cure i would need to make XXXX payments {$8800.00}. I was in constant contact with loss mitigation XXXX XXXX and I told him I would have the payment on XXXX XXXX. I continued to call and have various representatives note I would Pay on the XXXX. When i called XXXX on the XXXX to make the payment I was told I was referred to foreclosure on XXXX and nothing could be done unless i paid over XXXX. They would not accept payment and as of today I have not received a notice of foreclosure. 
I can not apply for a modification until XXXX XXXX 1 year after the re-fi. my target sale date is XXXX XXXX.
Consumer complaint received 2015-10-01
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am victim of IF theft since XXXX 2012 and in banked with Bank of America. Everything was okay till I decided to change my bank and go with XXXX due to fee rate increase implementation was wrong as per my terms so I asked them to close my account they closed my checking but said we can close your saving in was like why and they said you owe XXXX dollars on which in was very scared and went a head did thr police report, got FTC affidavit and affidavit of Identity theft and filed in from of a notary public. Then I submitted that to BOA but even in told them I am a IDTheft victim thry had sold my a count without resolving my deputes and giving me my XXXX back they have violated my rights and I got XXXX class per 5 days from FTC XXXX. I sent them all explanation with proof and thry concluded that in bear no responsibility to that XXXX dollars and sent the case back to bank of america but it has been 4 years I have been asking them to take me off the XXXX and now finally I am going to sue them with the insurance I bought of XXXX dollars with all XXXX bureaus. I won the case and they still did n't remove that from XXXX.
Consumer complaint received 2015-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Southwest Credit Systems, L.P. (MD)

wrong information on credit my credit report and they know it and will not remove it southwest credit systems credit reference number is XXXX and the creditor account number is XXXX this belong to a XXXX XXXX at XXXX XXXX XXXX XXXX maryland XXXX my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX will you please help me get his bill off of my credit report XXXX and south west has said this is not my bill
Consumer complaint received 2016-02-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I recently paid off my home in North Carolina. Well that is what I thought I did. 
Today, I received a letter stating that I was to pay XXXX At the same time Bank of America has not since refunded my Escrow Money. Why is it that Bank of America can not simply deduct the {$13.00} from my Escrow Account. The XXXX is late charge. I do not see why a bank this size can not just wave the fee. I am attempting to have my credit reports showing the account is paid. Bank America continues to report that my mortgage is not paid. Am I upset with Bank of America? Yes, would I have a mortgage with Bank America again I am not sure. 
Anyone with similar issues can call me at XXXX. I am not an attorney. 
I can not and will not give legal advice. However, if you are looking for moral support a friend I am here for you.
Consumer complaint received 2015-09-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NC)

I have had an auto loan with Ally Financial since XX/XX/XXXX. 
Never has a payment been over 30 days late during this timeperiod. In XX/XX/XXXX I informed the company by phonethat the car was in the process of being sold and received apayoff amount. I was told that this information would benoted to my account. The car was sold to XXXX during theXX/XX/XXXX and I was told the check would besent to Ally the following day. 
According to Ally, the payment was received on XX/XX/XXXX,3 days after the 30-day late timeframe and the payment wasreported late to the credit bureau. I contacted Allyimmediately on XX/XX/XXXX to rectify the situation due to thefact that the payment has never been late and there weredelays with the dealership sending the check on time. Iasked that my the reporting be deleted as I am in theprocess of buying my first home and financing will fallthrough if the negative credit reporting is not deleted. Irequested the review be expedited as I am expectedto close in the next 2 weeks. I have not heard from Ally andcontinue to get conflicting answers over the phone. This ishorrible customer service. The company was informed thatthe car was being paid off well before the due date. It canbe reflected on the check that the car was sold and thecheck sent well before the account exceeded 30 dayspast due. If I am unable to remove this negative reportfrom my credit, I will no longer be approved for my newlyconstructed home and lose thousands of dollars. Mypayment history will show that I have never been 30 dayslate on this loan. I should not be penalized for the lag inprocessing my payment received from the dealership onAlly 's end.
Consumer complaint received 2015-10-02
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: ENCORE CAPITAL GROUP INC. (LA)

I was never properly served for this debt, the only service I received was the fact I was sued and lost and owed the debt through judgement. Fast forward to XXXX 2012 payroll contacted me and advised me I was being garnished. I accepted the garnishment of XXXX % of my salary because I knew I owed the debt and wanted to make it right by allowing them to go ahead with the garnishment. The total debt was XXXX and have been paying XXXX per paycheck since XXXX of 2012, which is 41 months as of today. The total I have paid as of today is XXXX dollars or more. I can not receive a callback from Asset Acceptance LLC to explain why they are still garnishing my pay even though I have paid XXXX over the total debt owed. They will not stop the garnishment after numerous attempts to contact them.
Consumer complaint received 2015-10-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I previously disputed and they removed, then listed again on XXXX and Trans-union a tax lien that was paid in full and forward proof of supporting documentation from the state of Georgia, that indicates i letter any credit company that haves this debt, listed on credit report must remove it. They refuse and give you a hard time even with over XXXX reports filed in two years. Also i have filed Chapter XXXX bankruptcy, the continue to add the debts listed in bankruptcy for discharged that they are open and listed in collections, and no included in my chapter XXXX bankruptcy. The creditors are listed in my court documentation, and some where foward over to collections agency but that debt is still listed for amount, and creditor. They ask for proof of Chapter XXXX Bankruptcy, I filed, and I forward this my email, and certified letter, they said that even though my creditors are listed, as for disharged that is not proof and that they can keep listing incorrect debt as in collections even though they are listed in my Chapter XXXX bankruptcy is should state on my credit report as ( included in XXXX. ) I tired of trying to get my credit file disputed, call forward the forms they want and they still refuse to update credit report. They even refuse to update my job I have been on for over 8 yrs.They say I do n't work there and I forward a XXXX, and pay stub with address. By me working for the government I must keep abreast and make sure the credit report have the correct information. But Trans-union and XXXX refuse to update their records
Consumer complaint received 2015-11-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (PA)

I was reported for greater than 7 years ( XX/XX/2007 ) for a NY State paid tax lien and transition and equifax continue to report it and the law states that paid tax liens should not be reported for greater than 7 years and it has been over 8 years.
Consumer complaint received 2015-08-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to locate the fraudulent inquiry in their system.
Consumer complaint received 2015-10-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

I challenge the adverse account designation of Santandar and its predecessor, XXXX XXXX XXXX, on the basis that it is inaccurate, incomplete and reflects a debt that is not mine and that payment accommodations were made but not actuated by XXXX. XXXX violated its agreement regarding payment on all matters which are at issue. Payment was available when scheduled but XXXX transferred the account to SANTANDAR, resulting in untimely and inaccurate accounting and taking of payments from my account. This adverse account must be removed from my credit report. Credit reporting is inaccurate and incomplete. 

BackgroundDuring these periods I had to change my bank account because I found that an online company had compromised my account by taking funds to which it was not authorized. A new account was obtained only to find that the bank transferred the bad and unauthorized payee to the new account. This caused problems in late payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I had called XXXX and was informed that they were transferring the account to SANTANDER CONSUMER USA and that their computer system had problems in the transfer during the months of XXXX, XXXX and XX/XX/XXXX. 

XXXX indicated that the payment arrangements I had and made to preclude any problems would be acceptable, however, that was not the case or actuality of theiractions. Accommodations were made for timely payment but not fully instituted when XXXX transferred their accounting files to their new partner, SANTANDER. 


SANTANDER CONSUMER USA ( Herein " SAN '' ) took over the account of XXXX overseas and with the transfer came a host of problems. New rules and dates for payment were instituted which were not conducive to my payment schedule. I provided for extra funds to be in my account to accommodate the transfer of account by SAN from XXXX. Problems occurred when unauthorized and untimely electronic withdrawals were taken without my consent, as they were not scheduled deposits I had arranged and agreed to. 

These unauthorized and untimely payments were taken on the following dates:XX/XX/XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX