davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-25
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MS)

SP Servicing, I am starting to get threats from you again about foreclosure on my home. I can not see why I should be still paying for a loan of {$25000.00} since XXXX. My home was paid for. But I decided to borrow this money to start my own business.This loan was not suppose to be a mortgage on my home, but a personal signature loan.As of I have been chasing this loan for 20 years. Each time this loan changes banks the amount stays the same. I never got a balance of the account because it never moved from the original amount on the statement of {$34000.00}. Now it still sits at {$35000.00}. This is unfair to me as a consumer. It has messed up my credit and I have this hanging over my head daily. Stressed. I am now XXXX years old living on a fixed income of {$700.00} a month, XXXX with a severe XXXX XXXX XXXX in my back. You accepted this loan from XXXX XXXX  and they got it from XXXX XXXX, who got it from XXXX XXXX and others. All total before you got this mortgage I have paid ( including bankruptcy in XXXX house only ) XXXX for this loan and it is still on going. I need the original deed to my property from the start of this loan. Can you provide me with the original loan contract where the transaction occurred? I feel that I have paid enough money on this house and on that loan.Now, you have people coming by my house taking pictures I should have finished paying this loan years ago before you got it. This loan was originally meant for 7 years repayment, and went from there to 20 years long.I do not owe any more money on this property. I am seeking legal assistance to battle this issue for me in my defense. When the bank crashed in XXXX I was put in a 30 year repayment plan to XXXX without my knowledge. When I asked why I was paying for this mortgage for so long XXXX said that I was repaying a {$120000.00} mortgage on my property. XXXX sold it to you and now I suppose to be paying you {$35.00}, XXXX.to this day. I know that I have been a victim of a predatory loan situation because of the multiple moving of the bank mortgage. I am aware that mortgages are transferred or sold to different banks during the length of the loan until it is paid off However, I have never reached the end of this loan yet. It is a shame for poor people to be treated this way by banks and other financial businesses. I need for this to be resolved and be allowed to stay in my home free from harassment. I don not owe any more money for this house. Thank you.
Consumer complaint received 2019-11-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OH)

On XX/XX/XXXX I sent a payment of {$260.00} to XXXX XXXX on a website called XXXX. I was assured that I would receive the item I actually purchased. I have not recieved my item or got any reimbursement whatsoever after all this time. I want a full refund because this is unfair. I used paypal as a transaction and they wouldn't help at all.
Consumer complaint received 2019-03-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Bank of America called us in mid XX/XX/2019 to inform us that our account was " past due '' ; however, we have NOT received any Statement or documents re our Auto loan so how can we pay? amount to pay? BOA / XXXX XXXX said he had re-sent the Statement several times. After NOT receiving said Statement, we called BOA to follow up and talked to a XXXX XXXX ( BOA, Florida ) and learned from her that our address on file was incorrect! We are in XXXX XXXX, Nevada XXXX while the address they had was " XXXX XXXX, CALIFORNIA XXXX ''. So how will BOA Statement ever reach us??? We have informed BOA to correct our address on file and re-send this Statement via Registered Mail or XXXX or other Courier so there will be proof of our receipt. But BOA says 'not possible to do this '. We have also asked BOA to take a photo of Statement and email to us or to send to our phone ... again, 'not possible to do this '. To date, we have NOT received the said Statement. We request CFPB to require BOA to send us a WRITTEN Statement of details of our Auto loan ie. how much is monthly payment, Due Date etc. before we give them our Bank Account and Routing No. to make the payments.
Consumer complaint received 2019-05-22
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. (TN)

I checked my credit report for the first time in several weeks at the beginning of this month, only to find that several accounts listed in my Transunion credit report did not belong to me. I did not have this problem with XXXX  or XXXX, only Transunion. Because of the incorrect accounts listed, my credit score on Transunion dropped significantly and is currently over one hundred points lower than my credit score on XXXX and XXXX. I contacted Transunion. The lady I spoke with disputed all five accounts that were not mine. The accounts have yet to be removed from my credit report and are still affecting my credit score on my transunion credit report.
Consumer complaint received 2019-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Bayview Loan servicing L.L.C. XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, FL XXXX Has been discriminating against me for over 5 years now! I recently completed my US Bankruptcy Court Chapter XXXX Bankruptcy, Final month of completion was XX/XX/XXXX, The Bankruptcy was Discharged on XX/XX/XXXX. BLS has completly abused me after they assumed my mortgage XX/XX/XXXX from XXXX XX/XX/XXXX. I have composed an eight page letter, describing in detail, how BLS has been misapplying my monthly payments, holding them " in suspense '' for no valid reason, and thus due to their unorthodox accounting and billing practices, made it appear that I was late in paying, when in fact the exact oppisite is true, I started making payments at least one month early. Many of the statements BLS sends me, are unintellegible, and impossible to figure out what it says. 
( statement for XX/XX/XXXX in particular ) I have called BLS customer service at least eight times trying to get their errors corrected. BLS keeps promising to send me a full accounting of my account, however 3 weeks later I still have nothing from BLS, they are not honoring my requests, falsely reported me to the three credit bureaus that I was late in 2 payments! BLS has sent multiple statements for the same month. I need CFPB 's Help in getting BLS to set the record strait and correct the negative reporting to the three credit bureaus. BLS recently cost me getting a refinance because of their false credit reporting! Please, Please Help! Thank You!
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

To whom it may concern, I have been in the process of strengthening my Credit Score over the past year. 
I went from having started with a score of XXXX I went up recently into the mid XXXX 's. I have opened XXXX new credit cards with XXXX, XXXX & XXXX. I have also opened up a Business Checking Account with XXXX. 

In the last week, my account has decreased by ~50 pts. This was unbelievable to me since my score has been growing slowly as I've had new accounts and have had an impeccable payment record. 

I would like to have this investigated as to how this happened and why this system scored me the way that it did under the U.S. Equal Credit Opportunity Act. 

To give you some reference, I have never had more than a few thousand dollars in my bank account or more than {$2000.00} of available on a credit card. Now, I have $ XXXX credit available and $ XXXX in my bank account and my credit score has gone DOWN! 

This is troubling to me that this is the algorithm allowing Americans access to certain Loans, Credit, Housing, Etc. 

I would greatly appreciate a timely response, XXXX XXXX XXXX
Consumer complaint received 2019-05-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (MA)

I opened a TD Bank Preferred Savings account on XX/XX/XXXX with a promotion I received in email. The promotion mentioned at several locations that the Savings account would have 2.50 % APY guaranteed for 12 months with the following conditions : " 1. Be a current TD Bank Customer who received the TD Preferred Savings introductory rate email 2. Open a new TD Preferred Savings account online between XX/XX/XXXX and XX/XX/XXXX 3. Deposit and maintain a minimum of {$20000.00} but no more than {$990000.00} in new deposits in your TD Preferred Savings account. New deposits must be funds not currently held within a TD Bank retail deposit account. 
4. Link an eligible account. '' It also mentioned " Offer is limited to one TD Preferred Savings account per Customer who receives the Introductory APY email. The Introductory rate is valid for a limited time, guaranteed for 12 months from account opening date ( Note 2 ), and applies only if the daily balance of at least {$20000.00} but no more than {$990000.00} is maintained. " and Note 2 says " 2.  Promotional rate is guaranteed not to decrease during the first 12 months from account opening. Rates may increase during this time. '' I met all the conditions and earned the 2.50 % APY from XXXX XXXX to XXXX. XXXX. From XXXX. XXXX, my interest rate dropped to 0.5 % without any notice. I discovered it near the end of XXXX. and contact customer service many times trying to resolve it, but got many different answers and theories. Someone said it was an error and they will adjust it for me, but it never got adjusted. Someone offered a theory saying that because I had only 2 transactions in XXXX in my checking account, I was not qualified with the interest rate, but my interest rate will come back to 2.50 % APY in XXXX since I had 3 or more transactions in the checking account in XXXX. This theory is contradictory to the many rate guarantees stated in the promotion. Even the system is actually working according to this theory, the promotion is very deceptive. Moreover, in XXXX I found my interest rate did not come back to 2.50 % APY, and customer service offered another theory that since I did not have 3 or more transaction in XXXX, the 2.50 % APY is gone forever. This is again contradictory to their previous theory as well as the promotional offer. 

Attached is the email promotion I received and my bank statements.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a Credit card with a limit of {$4000.00} at Bank of America. They closed it on XX/XX/XXXX without me being informed ( per XXXX review the card periodically ). Now as of XX/XX/XXXX, I paid the entire amount of {$3800.00} for my card to be in good standing. 

I know there have been changes in my financial as I was on XXXX since XX/XX/XXXX due to high risk XXXX and up until now due to XXXX. My baby has passed away XX/XX/XXXX. 

Now I feel like this is unfairly discriminating because Bank of America after I paid the whole amount just all of a sudden closed it saying their excuse that they review credit account prediocially. Why did they not review it a month ago?! Or next month?! They did not even give me as their loyal consumer a chance that maybe this time I will be able to cope up. 
Now, I paid the whole amount thinking really that it will be for good and not this!
Consumer complaint received 2019-05-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (FL)

Collections from Phoenix Financial Services inaccurately reporting on my credit file. I have contacted the credit bureaus advising I am a victim of Identity Theft. This company has constantly called and mailed letters for a debt that does not belong to me.
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CT)

on XX/XX/19 my XXXX phone number was stolen and ported to another carrier. ON same date my XXXX XXXX indicated someone opened a best buy credit card. this dropped my credit score. I then called best buy and they put a stop on it. it still shows on my credit report
Consumer complaint received 2019-03-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Conn's, Inc. (NM)

I received a pre approval letter in the mail. I went to conns.com/activate to activate this offer. If you go to that url you can see it clearly states that it will have no impact to credit score and on the second page the form said no hard credit pull would occur. I completed and submitted that form and it gave me a message that said they could not approve me without a hard pull and gave me a button to click as well as a phone number to call to authorize a hard pull. I did not click on that and closed my web browser. However about two hours after this Conn 's performed a hard pull on my credit without my authorization. It appears someone at a store pulled my credit without my authorization.
Consumer complaint received 2019-03-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc (CO)

I received this companies " proof of Debt '' they are right it is NOT a XXXX - it is XXXX.. STILL NOT MY DEBT! I stated that this is not mine. This debtor needs to contact XXXX XXXX XXXX. The dates are included with a legal case. All original creditors have been contact. further collection is a violation - if you continue, I would be happy to hold you responsible for damages I would be entitled from you to under the law. 

Or you could contact this law firm ask for XXXX ... a paralegal that I know would be happy to set you straight By the way I also mail you the information!
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have an issue that is still reporting on my credit report .Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My student loan is CURRENT with the XXXX XXXX XXXXXXXXXXXX XXXX  XXXX. I have attached the letter from XXXX that my loan is in fact Current If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is SS XXXX DOB XXXX
Consumer complaint received 2019-11-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

My mortgage was originally with XXXX and I wrote them a check for {$14000.00} which then brought my remaining principal to {$49000.00} which I can prove with the XX/XX/2019 statement. XXXX went bankrupt in the midst of processing my payment and the new company that took over the debt, Shellpoint Mortgage Servicing, claimed they didn't have record of the {$14000.00} payment. They eventually contacted me and stated they had located the payment once I sent them a copy of the check. Shellpoint then said everything was resolved. Now Shellpoint has sent me a mortgage statement saying my current balance is {$53000.00}. My original intent with the {$14000.00} payment was to cover all of my payments due for 2019. Shellpoint is saying I owe for XXXX. I have called and left numerous voicemails after being on hold with their customer service line, but have yet to receive a response from them. I don't understand how my principal balance went from {$49000.00} in XXXX with XXXX to {$53000.00} in XXXX with Shellpoint and have to make a XXXX payment ...
Consumer complaint received 2019-11-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (DC)

On XX/XX/2019, I was scammed by somebody on the internet. They setup an account on XXXX, tried to sell me tickets to a concert, had me send money via PayPal, and then disappeared entirely. The transaction was conducted through PayPal Family and Friends, so there's nothing that can be done to retrieve the money - and that's fine. I want to report the user so that maybe in some way this account can be stopped. It was a dumb move on my part, and I'm embarrassed about that, but I would like to help others avoid a similar situation. If there's anything that can be done to shut down this user on PayPal and XXXX, that would be awesome! 

DO NOT SEND MONEY TO : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Perfection Collection (IL)

I contacted 'Perfection Collection ' via phone XXXX on Tues. XXXX XX/XX/2019 to make them aware of a law suit pending with XXXX  XXXX XXXX XXXX XXXX ( I believe them to be one of the same owners ). I also explained that XXXX XXXX XXXX XXXX was in breach of the contract ( XXXX did NOT call police ) and Perfection Collection stated that I would still have to pay them ( because they supposely bought the debt from XXXX ). 

I asked Perfection Collection to forward me a copy of contract that states I still pay when XXXX is in BREACH of their contractual agreement. As of to date Perfection Collection has this BOGUS debt reporting on my credit reports and to think this company was trying to practice " perfection '' These 2 companies ( XXXX XXXX XXXX, XXXX and Perfection Collection ) are working together ( BOTH are located in XXXX, UT ) and scamming people out of money. I also have found that XXXX XXXX XXXX has had many businesses that have been shut down ( all indications are there and they are NOT good )
Consumer complaint received 2019-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The company XXXX XXXX has me in collections for some dates I was never seen on and the others, I have insurance. I have been on XXXX for over 15 years which automatically gives me insurance coverage ( XXXX and or XXXX ) I called the collection agency XXXX XXXX who is the collection agency for XXXX XXXX. They claimed at first I had no coverage and then said they had the wrong date of birth. I was also told that I would receive a call back in reference to this matter which I never did. I am also aware that because I have XXXX I should never been billed
Consumer complaint received 2019-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FMS Inc. (OK)

XX/XX/XXXX XXXX XXXX CST, SPOKE WIT XXXX  WIT XXXX XXXX XXXX WAS ADVISED 2 ACCOUNTS IN COLLECTIONS : XX/XX/XXXX {$83.00} WAS ADVISED XXXX   WAS GIVEN AND XXXX  FOR XXXX, ( HIPPA VIOLATION AS I AM NOR HAVE EVER BEEN PATIENT ) XX/XX/XXXX {$1600.00} WAS ADVISED XXXX WAS GIVEN AS WELL AS XXXX XXXX/ XXXX  / ( HIPPA VIOLATION AS NEVER A PATIENT ) I DID INFORM XXXX FROM BEGINNING OF CALL THAT THIS IS RESULT OF IDENTITY THEFT AND SHE CONTINUED TO GO OVER THE COMPLETE NATURE OF THE HOSPITAL VISITS AS WELL AS COSTS.
Consumer complaint received 2019-06-25
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: Experian Information Solutions Inc. (FL)

Dear CFPB I would like to put a complaint on the credit agencies and XXXX XXXX. I also will put a complaint with the XXXX. I am questioning account numbers XXXX and XXXX XXXX XXXX. Due to the fact I have sent several dispute letters to credit reporting agencies since this year XXXX and it comes back verified every single time. They are claiming that I owe { {$370.00} } to XXXX and ( {$640.00} ) for XXXX on my credit report. I have contacted XXXX XXXX  to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I have even submitted a complaint through CFPB and the collection agency have not responded yet. I have sent numerous letters to XXXX XXXX regarding an alleged debt ( s ) that I owe via certified mail. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters. I ask these accounts to be removed from all three credit files.
Consumer complaint received 2019-06-25
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: Experian Information Solutions Inc. (TN)

In all the years that I've been doing business with companies, I never perceived of, nor am I interested on purchasing services from them. Remove from my credit report XXXX XXXX - XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 01 XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : 10 XXXX XXXX )