davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-07
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE (KY)

My wife and I bought our first house but the Loan was sold to the Money Source Inc. After being with them for a Year we Refinanced with them because we received a call from XXXX saying they can lower our Mortgage Payment. Which was great. Get to save some money. Or at least we thought. Well not really. We follow through with the XXXX and all of a sudden we never heard back from XXXX. A bit disrespectful towards us considering we had Multiple Questions regarding the Refinancing. Well then we had the fortune to speak with XXXX who followed the rest of the Refinancing with us. We asks numerous Questions regarding the Escrow, Taxes and she reasured us that she double checked everything and because of my XXXX Exception it lowered everything. Alright great well until we finished the Refinancing Loan. We get a Call from our Home Owner 's Insurance Company saying they have n't received payment and our policy is about to lapse. That was taken care of. Later we began inquiring about our Escrow Funds in for the Previous Loan and never been told about it or asked they applied the Entire Balance to the Refinancing Loan. Then until XX/XX/XXXX we receive the tax document Saying we need to pay {$2700.00} to MONEY Source because they under estimated taxes and escrow. If we do n't pay it our mortgage will be over {$1700.00} a XXXX. But if we do are Mortgage Payment is going from {$1300.00} to over {$1500.00} a month. Which we do n't have. Clearly there was n't any reason for us to Refinance except for Money Source to XXXX over a XXXX and Family out of their Money. Even though it 's something we asked them Multiple times about but clearly someone is n't doing their job Correctly or They do it for Profit.
Consumer complaint received 2015-04-27
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP (TX)

US Bank notified me by email that they would eliminate the Bonus Award Nights benefit as of XXXX XXXX, 2015. I 'm unhappy about losing the Bonus Award Nights benefit because the main reason I applied for a XXXX XXXX XXXX Rewards Visa Signature Card with paying an annual fee of {$75.00} was to get the bonus award night benefit. I decided to call US Bank and explained to them the situation. They 're unwilling to help me nor did they give any compensation for eliminating the bonus award night benefit.
Consumer complaint received 2015-11-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (VA)

XXXX Inc, XXXX, WA XXXX. This company sent me a bill to collect the money which was I did n't own, that debt is from XXXX which was I 've never used that services all my life. Please help. I 'm afraid if I do n't do anything they will kept on sending me a bill plus fee which was not belong to me at all.
Consumer complaint received 2020-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Harris & Zide (CA)

I had an old XXXX account that was reflecting on my credit report as not paid, but i paid this account through a third party on XX/XX/2018 and no one reported it to the credit reporting agencies. It came up when i applied for an apartment with XXXX XXXX. All i needed was proof that the account was paid so that i can be qualified for the rental. I got disqualified because the Law Office of Harris and Zide was unable to supply me with the letter indicating that I paid it in full and they bounced me back to contact XXXX. I called XXXX and they stated they sold this account and that there is nothing then can provide to me. They referred me to contact XXXX XXXX and they stated they had nothing on the account since it was sent back to XXXX. XXXX and XXXX XXXX blame each other on who was suppose to report this to the credit reporting agencies. I was never able to get a letter and I missed my opportunity in getting the rental. I am unable to move the request to another property because I can not get proof that this account was paid. According to XXXX, they stated they will report it, but it would take XXXX days. Again, i can not get approved for a rental because no one was able to provide me proof that I paid this account in full. At this point I am stuck and no where to turn for help.
Consumer complaint received 2015-12-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (PA)

XXXX attempted to collect for a 2 year contract after 3.5 years of service, said contract expired 1.5 years prior ; and was month to month with them.I had warranty coverage & XXXX told me to call them about my lost phone.Warranty co. stated : XXXX warranties are only for 2 years on any phone, but they collected thru my Billing Statement at $ XXXX every month for 3.5 yrs., even after warranty on phone had long ago expired.They then billed me for violating a contract at a supposed pro rated amount of XXXX. Next month and when called the # on back of bill ; new charges showed up on bill, but different amounts when I called them. I am severely XXXX, XXXX condition and XXXX told me : It does not matter. The only way you can resolve this is : Go to your nearest store, which is 2.5 miles from my house. Every time I called XXXX about the issue, I continued to get differing amounts and they could not explain the amounts. They refused to try to fix it and sent it to collections, and the phone agents could never explain the charges ; and stories differed each time you called ; but I do not owe them a penny. They collected on an expired warranty and they sent it to a few collection agencies, and they continue to harass me on my cell phone, which I use 1 day a week if need to go out anywhere ; store or Doctor appt. I never have received a billing statement from the XXXX different collection agencies that have called, which I know that after calling me in XXXX they must send a copy of a Bill in dispute within 5 days. T Mobile has been sued and involved in Class action Lawsuits over the same issues and lost both times ; but they must still be making much more than a Class action Lawsuit cost them, for I know they took a big hit in XXXX XXXX XXXX. I am trying to get them with others in another Class action suit and take it to XXXX, XXXX, to file it in my State for XXXX will cost them the most, and hit them harder than any other State in the US. This should have been stipulated in the prior Suits ; but they continue to cARRY ON Business and Fraud in the same manner as prior to the Lawsuits.
Consumer complaint received 2016-08-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CMRE Financial Services, Inc. (CA)

CMRE has credit reported XXXX accounts on my credit report without appropriately disclosing that adverse remarks were going to be placed on my credit report. I was never notified nor given the opportunity by either the original creditor or CMRE to pay my debt to them before it was sent to collections and subject to remain as an adverse remark on my credit profile for over 7 years. This long term credit score damage is severely crippling as a consumer, and subjects me to less than favorable terms for financing. 

This is an unjust practice that misrepresents my true credit worthiness. 

Since the integrity of the credit reporting system is important, errors like this should be resolved immediately and investigated thoroughly. On several occasions, I have documented communication with CMRE regarding there failure to properly disclose that I owed them any monies, that there clients also failed to send a bill, thus I was robbed of my opportunity to rectify this situation in a time frame that would have resulted in no long term credit damage. 

I have sent three written communications to CMRE explicitly detailing my concerns. One response was completely inappropriate and seemed like an auto-generated form letter that did not in any way respond to my concerns, and the other times they have completely ignored my requests. Therefore, I have no choice but to seek the assistance of the CFPB in order to have my concerns heard and resolved.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX  Date of Charge Off : XX/XX/2024 Amount : {$670.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

We have tried to do a loan modification XXXX, dealing with its subsidiary Select Portfolio Servicing ( SPS ) and have been unable to get a clear answer to move forward. The communication with them is very difficult and always change the person in charge of the case, which cause delays on the process. Their initial approach is always harsh and negative, done by a call center that usually do not have information about the loan modification process. We sent all the required documentation and, after months of negotiation, they denied the loan modification and did not want to evaluate all the facts on the case to get a positive result. We feel the company SPS did not do everything on their hands to help us, having all the necessary documents showing that the proposed monthly payment could be paid by us. They based their decision in figures that are above market value and did not provide a concrete answer for the modification denial. We are sending a new loan modification package with extra documentation to see if they can do their job and approve the loan modification. 
We appreciate all the help you can provide on this matter as this is our primary home and we are desperate to save it. 
Best regards, XXXX XXXX & XXXX XXXX
Consumer complaint received 2024-08-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (GA)

I have 2 credit cards through Synchrony bank .1 care credit .2 discount tire They reduced my credit limit on both cards despite my payment record I have no late or missed payments, I pay more than my minimum payment each month They illegally pull my credit and and on a predicament the reduced care care 50 % and discount tire from XXXX $ dollars to XXXX $ and one reason was no real estate information on my credit report
Consumer complaint received 2015-08-02
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (OK)

I used a credit counseling service called consolidated credit. They made arrangement 's with Sam 's Club credit to lower my interest and my payment. It has taken to long to pay off so I dropped consolidated and called Sam 's to continue the agreement or to work out some other agreement so I could pay the bill myself. They would not deal with anything and my interest rate has been raised to a high rate and so has my payment. I have never missed a payment. I also have several other accounts with Synchrony Bank. They only work with credit counseling not their customer.
Consumer complaint received 2016-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I have been working with Select Portfolio Servicing on a loan modification for the past several months. When I was finally offered a modification, it was for a HAMP Tier 2 mod. However, all of the paperwork I was sent shows all of the loan modification that I did NOT qualify for and their terms and conditions. It did not show the terms and conditions of my current loan modification. I was told that I needed to make 3 trial payments and that I would then receive the terms and conditions. However, the trial payments I have been making is the same amount I was paying prior to the loan modification. I called and questioned if this were truly a modification, then why would I be paying the same amount as before? They could not answer my questions and put me on hold several times and just told me I had to wait for my paperwork to arrive.
Consumer complaint received 2017-02-13
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: SYNCHRONY FINANCIAL (CA)

My complaint is against Synchrony Bank. I had obtained a new central heat and air conditioning system through a local company of XXXX and financed it. XXXX arranged for the loan through Synchrony Bank and payments of {$640.00} per month were handled through an account titled " HOME DSGN XXXX '' and were withdrawn directly from my bank account with XXXX XXXX. The loan was scheduled to be paid off in XXXX of 2016. The withdrawals of {$640.00} per month ended after XXXX, as expected. However, new withdrawals of {$35.00} per month started. At first, I assumed that there must have been a small carry-over of some type, but the withdrawals of {$35.00} per month continued. I called XXXX to ask why they were continuing with these withdrawals, and they said that they did not, that my account was paid off. I asked for a telephone contact with Sychrony Bank, which they gave me. I called several time and was never able to get through to anyone. In XXXX of 2016 I went to XXXX XXXX and asked to have the withdrawals stopped, which they did. In addition, they pulled back the payments that had been made. 
I received a letter from Sychrony Bank, dated XXXX XXXX, 2016 acknowledging the cancellation of the automatic payments and indicated that I would now be responsible for making my own payments by mail, plus the late payment charges. On XXXX XXXX, 2016, I sent a hand written response, indicating that I found the charges fraudulent and that XXXX reported that they had not authorized any collections. In addition, on XXXX XXXX, 2016 I sent a certified letter to Sychrony Bank, utilizing the process that their bills posted as the method of challenging amounts due ( copy enclosed with this complaint ) ; I also asked for an acknowledging that they had received a letter, in addition to the post card I would be receiving from the certified letter. 
They charged late payment fees of {$35.00} each time for these fraudulent charges, as well as interest and posted a late payment charge on my credit report. The late payment charges for 2016 were {$68.00} and interest in the amount of {$56.00} ( according to their bill ). According to their bill and the information from their customer support, I owed a remaining balance of {$120.00}, which I included with my letter, just to stop the process and demanded an immediate termination of my account with them. 
I have never received a response to my letter nor a confirmation of the cancellation of my account with them. I did receive an email, indicating a balance of XXXX, but no comment about my request that my account be closed, and no mention of any refund of wrongfully collected funds.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I want to dispute an account in collection that I see on my credit report. The account is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX. Date opened is XX/XX/year> in accordance to what I see on my credit reports. The balance is for {$180.00} but this is not my account and should be deleted/removed from the XXXX, XXXX, and Transunion credit report. I'm going to upload a Massachusetts ID card and a copy of my social security to help verify my identity. I've called XXXX XXXX already and verified my social security with them and they said it not my account based on my social security number.
Consumer complaint received 2016-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (TX)

I have previously filed XXXX complaints regarding this issue but XXXX XXXX has now referred the matter to a fourth collection agency. I nor my wife owe XXXX XXXX anything.
Consumer complaint received 2016-07-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (NC)

I logged onto my online account on XXXX XXXX to make a payment and the system blocked me. I tried to use Regional Acceptance 's IVR system and I was unable to make a car payment. I called the number listed on the screen when I got an error stayed on the phone line for an hour and then the called disconnected. I called the local office on XX/XX/XXXX. I spoke with XXXX in the XXXX, NC office he was a supervisor. He advised me that they blocked my ability to submit an online payment. I asked why he stated because they had no spoken to me, I advised him that I had not missed a payment on the account and paid online each month. I told him that by blocking my payment without cause he/his company refused my payment. I advised him that he can not report me as late to the credit bureau because I tried to pay by a method that Regional Acceptance Company allows. XXXX told me I was not past due on my account that I was 42 days past due and Regional Acceptance Corportaion does not report you as past due unless you are 60 days past due. I said that does not sound correct he assured me that it was and I would not be reported as late to the credit bureau. I told him I have a credit monitoring service and I would be notified if I was reported late to the bureaus. Today is XXXX XXXX, 2016 and I got a notification of a late payment.
Consumer complaint received 2015-04-22
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

I applied for a refinance loan with AmeriSave Mortgage. The appraisal came in to low which would have resulted in the need to close my HELOC. I cancelled the loan. AmeriSave has n't refunded the appraisal fee yet.
Consumer complaint received 2017-02-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I closed my bank account at HSBC & was told on the phone & sent a letter saying it was closed with a balance of zero. I noticed a late charge from them on my credit report & called. They said they would fix the issue since it was their fault for including a sneaky {$10.00} charge on the account after I closed that then turned into a bigger XXXX from late payments. I never received a letter or call saying that I owed them & I could n't check the status of my account online since it was closed. They did n't resolve the issue & it was then 60 days late. I called again & was assured they would fix it & then it turned into a 90 day late payment. They finally resolved it but never would take that mark off my credit score. I filed a dispute with them through XXXX XXXX multiple times but the late payments remain on there.
Consumer complaint received 2016-01-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (NC)

For over a year I have been writing and disputing 30 day delinquency with BB & T. I also went into one of their banking centers and Noone could help me. It 's sad when consumer pay bills consistently online and something apparently happened on their end that caused me to show XXXX delinquency mark. I am frustrated and tired of financial institutions taking advantage of people like myself. This is effecting me negatively. They need to correct the reporting of this information. I have NEVER been late.
Consumer complaint received 2016-11-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I have a mortgage that was with XXXX XXXX XXXX. It has been sold around. I lost my job and then found another job. I tried to get a loan modification. Each time I was denied for bogus reasons. Now my loan is with SELECT PORTFOLIO and they are doing the same thing. Denying me a modification. My home was almost paid for and now they are adding balances and fees from everywhere. I requested validation of the debt and my payment history from SELECT PORTFOLIO, UNDER THE LAW OF THE FDCPA. I NEVER RECEIVED ANYTHING FROM THEM, YET THEY ARE THREATING TO FORECLOSE ON MY HOME. SELECT PORTFOLIO IS NOT ON MY PROMISARY NOTE OR DEED. IT IS LISTED WITH XXXX AS THE BENEFICIARY. A LOT OF MY FULL PAYMENTS WENT UNREPORTED. THIS IS WRONG. PLEASE HELP ME