davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

I had 2 federal loans under the XXXX XXXX  with XXXX, which were transferred to Aidvantage during the pandemic. All federal loans were placed into an interest free pause during the pandemic and XXXX  was supposed to automatically enroll into the new XXXX plan, once the interest-free payment pause ended. The online portal didn't show my auto-enrollment, and after multiple attempts to sort this via telephone/chat, to no avail, I filed a complaint with XXXX in XXXX XXXX received a reply to this complaint via Aidvantage on XX/XX/XXXX saying XXXX needed to take no further action, and that things would be resolved soon. I never received anything else from Aidvantage on the matter. 

The payment pause was extended until XXXX XXXX and my online portal still showed discrepancies. I could not get through via telephone to anyone at Aidvantage, so on XX/XX/XXXX I filed recertification for the loan plan online to be safe. Nothing happened, and I ended up filing again in XXXX. I spoke to agents multiple times via chat from XXXX XXXX XXXX and was told my loans were in the federal payment pause and the XXXXXXXX XXXX. 

Forward to XX/XX/XXXX and I find out that my XXXX  was never auto-enrolled into XXXX, and neither of my applications were processed. I documented this in a chat with an agent, who confirmed he saw both my applications for the XXXX XXXX  and that it should have been processed. This worried me, as I made payments during this time. Additionally, due to lawsuits interfering with the loan repayment plans, the government instituted another interest-free forbearance, which I missed out on due to the failure of Aidvantage to enroll me into the XXXX XXXX. This agent said he would make sure my applications for XXXX were processed correctly. 

Forward to XX/XX/XXXX and I'm told by an agent on the phone that she doesn't see any evidence of any attempts to enroll in the XXXX XXXX, and that my plan is expired and accruing interest under the normal forbearance. I am currently still in normal interest accruing forbearance and this entire situation is costing me thousands of extra dollars due to Aidvantages inability to correctly service my loans. 

Every time I chat, I ask for confirmation that my loans are processed. I ask for transcripts of the chats. They say they can not provide transcripts of chats, nor can they send confirmation of enrollment. There needs to be accountability.
Consumer complaint received 2024-10-27
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: SANTANDER HOLDINGS USA, INC. (LA)

This is a list of companies reporting to my consumer report without my permission and Im requesting to get them deleted asap! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2016-11-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

Dear Sirs, I need your help with SPS Company located in XXXX XXXX XXXX. In XXXX, I was assigned the relationship manager named XXXX XXXX, I spoke to him on the phone and asked questioned about an issue that SPS had not addressed issues with our home mortgage and was told he would send the corresponding paperwork for loss mitigation. No paperwork came to me. In XXXX a new relationship manager was assigned my case XXXX XXXX. Now the paperwork sent to me only includes relocation assistance. Can you help, I have been diligent in asking for SPS to solve problems with my loan : Problems with escrow, another party on my loan, problems with accounting of payments made that were above the amount due and unable to abtain paperwork for loss mitigation since XXXX. Only two weeks ago was I asked to send in paperwork but it was for relocation assistance - the sale has n't even occurred, and forms were omitted. I have asked for loss mitigation but at this point this company does not keep it word to send paperwork and forms where not sent that they require in the packet this past month. Also the paper work that they sent to you did not include the most recent loan papers for the only mortgage on this property from XXXX Bank, only paperwork from XXXX XXXX that is invalid. Thank you so much for looking into these issues and can you please help me so that a sale of the property does not happen on XXXX XXXX, 2016. My property has still not been listed this month by the Sheriffs Sales site as other properties in my area and XXXX and XXXX states the property is not available for sale, and I have received no response from SPS in terms of where it is listed. I did receive a letter from XXXX loans that they might be able to help with this, but I need SPS to start helping and sending all paperwork when requesting it and not sending letters without the proper forms included for loss mitigtion and making sure that my loan has been updated with the proper amount due and all charges to this loan are itemized and explained, and that they are sure that I have a clear title after XXXX made the mistake of listing another person on my loan. I do not have any other loans on this property!!
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (IL)

On XX/XX/year> - I paid a bill to XXXX XXXX with my XXXX XXXX card. 
I have sent them emails which include the proof of payment of {$120.00} and spent hours on the phone with them. 
Despite my efforts and repeated emails with proof of payment, this company turned the bill of {$120.00} over to a debt collector ( Transworld System Inc ). 
I have harassed by this company for a bill that was paid ( on time ) in XXXXXXXX XXXX 

I would be happy to send the documentation from XXXX XXXX to prove that the bill was paid. As I said, this information ( proof of payment ) has been sent multiple times. 

Any help will be greatly appreciated.
Consumer complaint received 2023-04-08
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. (PA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX I XXXX Balance : {$1600.00} XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-27
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: U.S. BANCORP (MO)

I never received any information about my account has been closed in XXXX when I XXXX XXXX. US bank closed my bank account and send a check with my name but deposited to my ex wife account with fraud signature. I never received any statement from US bank since the account has been closed. Us bank never contacted me to inform me the account has been closed and I should receive a check. I never receive the final statement. My first time received the statement is XX/XX/XXXX from XXXX XXXX XXXX.
Consumer complaint received 2024-10-27
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (TX)

My HSN account is with Synchrony Bank - contact me and I will provide more information about this account. 

My statement now has a new line item - {$1.00} for paper statement fee. 

I contacted Synchrony twice to inquire about the fee and to request the fee be waived. I absolutely do not want to receive electronic notifications nor do I want to set up an electronic auto pay due to the high susceptibility for hacking and fraud. They indicated this was implemented for all statements after XXXX. 

I have had an account with HSN for several years and consistently pay the amount due on time every month. I think it should be my choice to receive a paper statement and should not be charged a fee for it. 

Can you help? It does not seem right to charge a senior citizen - or anyone- just to receive a paper statement. 


Thank you
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Consumer complaint received 2024-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC (DE)

[ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Email Address ] [ Date ] Fay Servicing [ Department ( e.g., Customer Service, Billing ) ] [ Address ] [ City, State, Zip Code ] Subject : Request for Cancellation of Unanticipated Fees Dear Fay Servicing Team, I am writing to formally request the removal of legal fees charged to my mortgage account. I was unaware of these fees, and upon review, they appear to be unsubstantiated. As a result, I believe they were applied in error, and I would appreciate your assistance in canceling them. 

I have been diligent in managing my account, and these unexpected fees have caused me significant concern. To ensure clarity and transparency, could you please provide a detailed explanation of these charges and confirm the removal of any fees deemed unnecessary? 

Thank you for your attention to this matter. I look forward to a timely resolution and confirmation of fee removal.
Consumer complaint received 2024-10-28
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC (FL)

This company has submitted a vehicle in my name without my permission and placed it on my credit report without my permission. the law under 18 USC 1028 states that passing personal information without my permission .According to FCR a section 605b it is illegal to report information on my credit report without my permission.
Consumer complaint received 2024-10-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (NY)

I paid off my car loan at Santander Consumer Bank XXXX # XXXX in XX/XX/year>. Santander Consumer has not released the lien at motor vehicle. Santander put the lien on my vehicle,- they need to remove it so that NYS Dept of Motor Vehicle can send me my Title. They were quick to put the lien on, now I am waiting XXXXmonths for them to take it off!
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX az XXXX XXXX Drive now, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 
Sincerely XXXX XXXX
Consumer complaint received 2024-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: COMMERCE BANK (MO)

Around last year of XX/XX/2023 I went to Commerce Bank to close my account the process was initiated and a balance of around XXXX dollars was suppose to be mailed to me and I never received it. Got in touch with the bank manger and they said it was on the way several times. 
Kept getting the runaround until I complained to the XXXX Then someone higher up responded stating they would take care of this. Suddenly they disappeared. Made another complaint, someone else responded stating the but this time they mentioned fraud. Responded for awhile through email and phone calls then suddenly didn't hear nothing else. 
I read the bank policy about lawsuits and then paid an government agency for an advocate to help with the dispute but no action has happened. I just want my money back. Thank you.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Social # : XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX Subject : Dispute of Charged-Off Accounts Dear Sir/Madam, I am writing to formally dispute the charged-off account listed on my credit report under the account numbers : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I recently reviewed my credit report and noticed that these accounts is being reported as charged off, which I believe is inaccurate and misleading. 

I would like to bring to your attention the following points regarding this account : XXXX. Incomplete or Inaccurate Reporting : The information provided in the credit report regarding this charged-off account is incomplete and inaccurate. It fails to reflect the correct details of the account, including the original account balance, payment history, and subsequent account activity. I request that you thoroughly investigate this matter and ensure that the information reported is complete, accurate, and up to date.

2. Verification of Debt : I request that you provide me with the necessary documentation to verify the existence and validity of this debt. This includes the original signed contract or agreement, details of any payments made, and a record of the account 's transaction history. It is my right as a consumer to receive this verification, as stated in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

3. Statute of Limitations : Please note that the statute of limitations for collecting this debt may have expired. I urge you to verify the applicable statute of limitations for this account and confirm whether the
reporting of this charged-off account is in compliance with the relevant state laws.

4. Resolution : I hereby request that you promptly investigate this matter and take appropriate action to correct the inaccuracies in the reporting of this charged-off account. If, after your investigation, you find that the information is incorrect, I kindly request that you remove the account from my credit report entirely. Please provide me with a written response within 30 days of receiving this letter, as mandated by the FCRA. If you are un
able to complete the investigation within this timeframe, please inform me of the delay and provide an estimated date of resolution.

Furthermore, I would like to request that you notify all other credit reporting agencies to which you have provided this inaccurate information about the dispute and the action taken to rectify it.

I look forward to your prompt attention to this matter and the resolution of this dispute. Please consider this letter as a formal request for investigation under the FCRA.

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've found some inaccurate entries on my credit report, which are subject to 15 USC 16c-2. This misinformation is harming my creditworthiness.
Consumer complaint received 2024-10-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (TX)

Citi Bank closed my account without prior noticed on XX/XX/year>. I discovered this when I could not been able to log in to my account to check my balances prior to making a purchase. Upon this discovery, I called their customer service and explained the situation and then was transferred to their Fraud Department. I have explanied the situation to the agent, and was told that Citi Bank has decided to end the relationship with me without giving any reason at all. I demanded for the explanation but that was all the information that they can provide unfortunately. Since this was not the answer that I was wanting to hear, I asked for the agent 's supervisor ( s ) but was informed that none were available and seemed to not care. I have told the agent that that was all the money I have available to pay for my bills, utilities, groceries, etc., and where my salary comes in. But the aganet 's answer was that they will send me a letter after 7 days with the reasons for the closure of my bank account. Then I demanded to expedite to send my money in the account since I am in the process of paying my bills which were behind, and there were some bills that were already sent from the account. The agent told me that the money would be sent in the form of a check after 30 days. I told them that would not cut it and demanded to expedite it so I could pay my bills, but they could not help me and it is their policy. I demanded to talk to their supervisor ( s ) but told they would give me a call the next day but to no avail. Thank you for resolving this issue with this bank on my behalf. I have been a loyal customer but what they did does me injustice.
Consumer complaint received 2024-10-02
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Service Center, Inc. (PA)

Collection Service Center , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX This collection is agency charging me for a medical debt bought from XXXX XXXX XXXX. They are not a XXXX  accredited company and has many open complaints and cases against them for violating the Fair Debt Collection Practices Act.

This section of the FEDERAL REGISTER contains regulatory documents having general applicability and legal effect, most of which are keyed to and codified in the Code of Federal Regulations, which is published under 50 titles pursuant to 44 U.S.C. 1510.

BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Parts 1006 and 1022 Bulletin 202201 : Medical Debt Collection and Consumer Reporting Requirements in Connection With the No Surprises Ac
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

I want to dispute these charges of XXXX on XXXX through my bank account and through XXXX I contacted Wells Fargo claims specialist for help and they told me it would take up to 10 business days and the next day it was closed without any explanation from Wells Fargo I would love to get my money back as I feel they are supporting the scammer in this case here are the dates and amounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX