davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (VA)

On XX/XX/XXXX I received and escrow analysis showing the account with SLS had a surplus in the account. The account was not current and the letter indicated that the check would be refunded when the account was brought current. As an executor of my mother 's estate I contacted the company. Made the payment to bring the account current. SLS shows the account current as XX/XX/XXXX. I was told I would have the surplus check within 2 weeks. 
Did not happen. I waited until XX/XX/XXXX to follow up again. I was told I would have the check in hand by XX/XX/XXXX. The delay was because they had not filled out the correct form internally to get the check released. 
Today is XX/XX/XXXX. I followed up agian and was told that they would be changing my escrow account in XX/XX/XXXX and they would look at sending the check out sometime next month. This is causing there to be late charges to the XX/XX/XXXX payment since these are the funds that were to be used to pay XX/XX/XXXX 's payment. They told me that was not their problem and they would also be assessing an additional late charge. I have been transferred from one person to another and placed on hold for over an hour. 
It is my understanding that they should have resolved the escrow surplus within 30 days. They have surpassed this time period and as a result of keeping our funds they are causing other late fees and charges. I just finished talking with them and they are going to see what they can do and will let me know when they find out. No time frame.
Consumer complaint received 2021-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (WA)

As of XX/XX/XXXX, CCS Collections is reporting a debt as paid when I do not have any debt with them. I took care of my balance to reinstate my insurance with XXXX on XX/XX/XXXX. This morning I called CCS to inquire why they are reporting a debt as paid to them when I never was involved with them and I dealt directly with the creditor. This company has no grounds to be reporting on my credit report. The information they are providing to XXXX and XXXX are inaccurate. Before I made my payment on XX/XX/XXXX, the representative, XXXX told me it would take up to 30 days to reflect to be removed from my report but when I talked to CCS to confirm this information because I saw XXXX removed the account, I was told that they won't remove it at all. This is a clear violation of my FCRA rights as a consumer. This debt is invalid and does not belong to me and should be removed from my XXXX and XXXX reports immediately and not updated to paid because I never handled business with CCS Collections and worked directly with the original creditor. XXXX is sending me a copy of the recorded call in which I will be having professional transcribed as to what was discussed on XX/XX/XXXX. The agreement was that they would notify CCS within 24 hours so CCS should not be reporting this inaccurate information as if I owe the debt to them.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

XXXX XXXX XXXX. Account # XXXX Ending Account # XXXX XXXX XXXX XXXX Account XXXX XXXX Ending Account # XXXX XXXX  XXXX Account # XXXX Ending Account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2019-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

My Bank Of America credit card was skimmed at a XXXX XXXX on XXXX XXXX. The thieves quickly to exploited the information obtained. They were quite sophisticated, because they had blank BOA chip equipped credit card stock ; and knowledgeable as well, calling BOA to reactivate the card after it was declined. Twice declined at ATM 's. Also declined, if memory serves, at local businesses. I found out the full extent of the fraud when I visited a local branch of BOA, at their insistence. Seems calling from my cell phone was not acceptable ( home renovation was underway at my place of residence and I was staying with family ). 

Despite these " card declined '' refusals, and the photographic evidence no doubt available to them through a courtesy call to the banks, they impugn my integrity by saying I must have made or allowed these charges to be made : " We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' My card was in my wallet. None of that quotation is true. A ( counterfeit ) card was used. With my information encoded thereon. But not by me. Bank Of America never asked for a sample of my signature for comparison. I do not know why they have come to such an egregiously wrong determination, and slander. Could they at least run a trace on the phone number used to reactivate the card when it was declined? It's obvious that I only use the card for major purposes ( car repair, medical bills, XXXX XXXX  ) and that eateries, dollar stores and casual use ought to be proof enough of fraud. That, and all the other evidence mentioned above. 

The amount in question is {$160.00} Unsure as to their reckoning, fraud claims listed online are : XXXX XX/XX/XXXX, {$13.00} and {$34.00} ; XXXX XXXX XX/XX/XXXX {$19.00} ; XXXX XX/XX/XXXX XXXX ; XXXX XXXX  XX/XX/XXXX {$50.00} ; XXXX  XX/XX/XXXX {$9.00}. Gives me {$140.00} for a difference of {$13.00}. 
I don't understand why they think I am liable for the whole amount when the law limits my losses to {$50.00}. I don't understand why they think I should be victimized twice, by them and the thieves. In fact, Bank Of America itself alerted me by e-mail that my card had been comprimised.
Consumer complaint received 2024-06-03
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. (FL)

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

XXXX XXXX XXXX. Account # XXXX Ending Account # XXXX XXXX XXXX XXXX Account XXXX XXXX Ending Account # XXXX XXXX  XXXX Account # XXXX Ending Account # XXXX Has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2021-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (CO)

I am receiving what I believe are illegal emails from someone trying to steal money from me. I received an email on XX/XX/2021 ( attached ) stating I authorized a charge of {$690.00} to " XXXX '' for the purchase of a cell phone. I did not authorize any such payment ; I don't have a credit card or loan thru PayPal ; this was the first I heard of this. Believing it was from PayPal, and without thinking, I foolishly called the phone number in the email to dispute the transaction. The individual I spoke to ( male, middle-eastern accent, couldn't understand his name ) said he would have to report this to his fraud department, and then put me on " hold. '' The same individual came back on and said they would investigate the matter, however, I'm still going to be responsible for the payment. I asked him for details on what this was about, and he said I took out a PayPal credit card ( or loan? ) for this purchase -- making me responsible for payment. I told him I don't have a PayPal account, and I do not have any credit card or loan with them. He asked if I've had any problems with any other sites or banking institutions, and if so, who are they. I told him I had my debit card compromised by someone in California trying to purchase a game app. However, I contacted my bank, they cancelled that debit card and issued me a new one ; no money left my account. Then this fake individual passed this info to someone he was working with. He said he would need to confirm who I really say I am, and he proceeded by asking my name, SSN, email and phone number -- and I confirmed his info. That's when I suddenly realized this is not PayPal, the info in the " from '' line of the email should have alerted me -- but I was too surprised to figure it out. I immediately hung up the phone. However, I'm worried because he has this info. I immediately closed out my PayPal account and forwarded the email to PayPal fraud department. I also called PayPal, and they confirmed the emails are phishing ; there is no credit card or loan with them in my name. Then on XX/XX/XXXX, I received another email ( attached ) telling me the charge has been processed. I did not respond to that email, but I forwarded it ( again ) to PayPal. I feel better that PayPal has confirmed the emails are false ; to disregard them. But I feel what these people in these emails are doing is illegal and someone needs to be aware this is suddenly happening to me. I am XXXX years old, worked for 40 years and don't want someone thinking they can mess with my hard-earned money. I'm still kicking myself for not realizing they were phishing emails. I retired from XXXX XXXX and we get trained on this stuff! How could I not recognize it?!
Consumer complaint received 2019-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank continues to call me at work despite being asked not to contact me. Synchrony Bank has reported inaccurate information to the credit bureaus. Specifically, Sychrony bank is reporting late payments. I had a special payment arrangement in place with a set amount.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CO)

Credit Reporting companies Experian XXXX  and XXXX  all refuse to remove fraudulent Id theft accounts XXXX  & XXXX  VISA/XXXX/XXXX  from my credit reports even though they are unable to verify correct information that link accounts to me. 
There is a lot of missing information that they can not provide like original creditor name and or past due amounts. I have submitted police reports, FTC ID theft reports and have requested these accounts be blocked due to Fraud but each company outright and willfully refuses to comply the the law and leaves these inaccurate accounts and inquiries on my reports which adversely negatively affect my life
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, 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)

XXXX XXXX XXXX, Experian, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX have all applied unauthorized inquiries to my credit report
Consumer complaint received 2023-02-04
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious account. I think you have not validated this account. This was already included in my prior COMPLAINT, and I'm including it again. 
Please validate this account : XXXX  XXXX XXXX .... Balance : {$560.00}
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CO)

Credit Reporting companies XXXX  Equifax and XXXX  all refuse to remove fraudulent Id theft accounts XXXX  & XXXX  VISA/XXXX/XXXX  from my credit reports even though they are unable to verify correct information that link accounts to me. 
There is a lot of missing information that they can not provide like original creditor name and or past due amounts. I have submitted police reports, FTC ID theft reports and have requested these accounts be blocked due to Fraud but each company outright and willfully refuses to comply the the law and leaves these inaccurate accounts and inquiries on my reports which adversely negatively affect my life
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Credit Reporting companies XXXX  XXXX  and Transunion all refuse to remove fraudulent Id theft accounts XXXX  & XXXX  VISA/XXXX/XXXX  from my credit reports even though they are unable to verify correct information that link accounts to me. 
There is a lot of missing information that they can not provide like original creditor name and or past due amounts. I have submitted police reports, FTC ID theft reports and have requested these accounts be blocked due to Fraud but each company outright and willfully refuses to comply the the law and leaves these inaccurate accounts and inquiries on my reports which adversely negatively affect my life
Consumer complaint received 2019-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

We disputed accounts that XXXX XXXX is reporting on a credit report for inaccuracy. They are reporting that I obtained services XX/XX/2019 which is not true. This same medical account was reported by another collection agency last year and it was removed for the same reason not sure why it's on here again. I disputed it through Transunion and XXXX  and without any proof of documentation from the collection agency they continue to report on the account despite the inaccuracies. I have since spoken directly to XXXX XXXX to a manager named XXXX which said they would be removing the account for inaccuracy and that it should be updated by XX/XX/2019.
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CT)

I received an alert about a hard and soft credit inquiry placed on all my credit reports on XX/XX/21 by XXXX XXXX XXXX, XXXX XXXX, XXXX, DE. XXXX. ( XXXX ) XXXX. I called all 3 credit reporting companies and was told to call XXXX, I called XXXX and they stated they could find no applications or accounts. The credit reporting agencies are telling me now I have to file a complaint with the FTC and you. they are refusing to remove the Hard inquiry which will effect my credit score.
Consumer complaint received 2021-08-30
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. (OK)

This is a complaint for timeshare company XXXX XXXX. We spoke with their employees but unfortunately I don't have the names of all the people we dealt with. They were introduced as owners themselves & claimed to not work on commission. They told us we're making good financial investment, as we would earn money from this as well. The biggest push they made during the pitch was promising us rental income. That we can make money from this timeshare by selling our points, make money to pay this off. They also mentioned that at some point, we will never have to pay maintenance fees again. They also promised us things would be positively different each time things got worse. They offered us gifts such as cruise, XXXX XXXX  that we were never able to use because it was never available, we simply can't use them. We were told that it has some tax benefits similar to owning a second home. There were instances they said they needed " corporate '' approval in order to give us the price being offered like they're giving us a special offer. We felt pressured when they told us it's our last chance at the lowest price. They have our IDs during this process. They had us opened a credit card, we were not made aware of the fees. Everything felt rushed, they didn't even allowed us or give us time to read the contract. They applied a lot of pressure & hateful when told no. We were never properly informed how to cancel, we were told if we wanted to sell, they will just buy it back & gave us a realtor number. I did actually ended up issuinmg a complaint on them saying they would buy back, but never got a resolution. At our age, we already have a couple of medical conditions and having this timeshare doesn't make it easier for us. It just gave us financial difficulties. They told us we could re-finance this as a home mortgage & rate cheap & not have to pay this high payments but it was not the case, we tried but it was considered as personal loan. It's a struggle trying to work all the time to pay this, need to work non-stop to make sure we don't fall behind. We even lose sleep over the stress of the timeshare, about bills and worrying how we'll be able to keep up with this payments. We had the worst experience with this timeshare, all the lies, they promise you things that are not true and you're left with high payments & fees on things you are never able to use. Plus they sign you up for an interest rate you nave can pay & tell you, you only have to pay one month then you can refinance at a bank as a mortgage & it will drop your interest rate ( which was not true at all ) so you can afford it. Also, they told us that owning this will help build our credit which was another one of their lies, not true. We were taken advantage of, & we were simply defrauded & lied to.
Consumer complaint received 2020-02-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OK)

I spoke with Select Portfolio Service counselor back XX/XX/XXXX regarding my loan which was 60 days delinquent. I told them I was experiencing financial hardship and the SPS rep suggested I apply for a Loan Modification. That's when the nightmare really begins. After more than two months of back and forth, I was denied for modification and at that point, they referred my loan to a foreclosure attorney XXXX XXXX XXXX in XXXX. 
Serval times I offered to catch up payments however they would not agree to forbearance. I was advised by an attorney that my loan should have qualified for a modification because of my hardship and the type of loan rate ( 7.5 % ) and broken chain status on my title. I had informed about my hardship back in XX/XX/XXXX during the U.S. Government shutdown and my being a vendor pay was affected. SPS never helped me in this situation they accelerated their foreclosure process and dual tracked me while I sought their assistance. I want to keep my home and I need help.
Consumer complaint received 2023-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious account. I think you have not validated this account. This was already included in my prior COMPLAINT, and I'm including it again. 
Please validate this account : XXXX  XXXX XXXX .... Balance : {$560.00}
Consumer complaint received 2020-02-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Lending Club Corp (NV)

I took out and repaid a loan more than two years ago. Lending Club won't stop mailing me offers for new loans. I've emailed their unsubscribe email they include on their mail offers, but that has done nothing to dissuade them. I don't want anymore loans, nor anymore mail from them.
Consumer complaint received 2021-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

As of this writing I owe {$140000.00} in student loan, which has been handled by several companies who have been historically predatory with the interest rates and their predatory practices of so-called debt relief resolutions that target low-income and vulnerable borrowers, as myself has left me with surprise fees, damaged credit, lost loan records and repayment benefits resulting from loan servicer transfers. These predatory loan servicers are responsible for incorrectly processing my payments and how the payments are allocated to my loan, and overseeing billing and loan payoffs. The payments were processed incorrectly, which has lead to my inability to participate in forgiveness programs and the elaborate increase in interest. The fraudulent and deceptive services aimed at helping students " manage '' their student loan debt has personally increased my student loan debt to 5x of the original amount. The first company that handled my student loan was XXXX, account numbers # XXXX and # XXXX, in XXXX ( {$12000.00}, {$32000.00} and {$76000.00} ) which mishandled my payments and advised me to refinance my loan, the second company was XXXX # XXXX in XXXX ( {$22000.00} ), XXXX  # XXXX in XXXX ( {$100000.00} ) and now Fed Loan # XXXX ( {$140000.00} ).