davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TN)

I have a mortgage through Specialized Loan Servicing. I was behind on mortgage and took money from my 401k to get caught up. I was told one amount over the phone so I paid that amount plus an additional mortgage payment. Once the payment posted I called to see if the late fees totaling {$1100.00} could be removed and I was told I needed to email a different depart to request they be removed & I was told I should have a response within 7 business days. So after two weeks I called to follow up and was told they didnt show an email but that the rep could handle the request over the phone so he put in a request. So again, I had to wait. In the mean time I received a statement with a regular mortgage payment and another fee labeled unapplied/suspense. Confused about what the unapplied amount was for, I logged on the the website to look at the transaction & payment history. Even more confused, I called again. Spoke to a different person and the rep told me the unapplied was money left over but not enough for a full payment but I could add {$210.00} to the unapplied to make another complete payment so I did that, so now Im totally current. The problem is Im being told different stories about the late fees. 1 ) First I was told the account needed to be current before the fees could be removed 2 ) then I was told there was no way to just pay the late fee and that they would be on there for the life of the loan unless I made the payment all at once which is what I thought I did when I made the large payment on XX/XX/2020 for {$11000.00}. Because prior to making that payment, I called to get the exact amount and was told {$9800.00}. 3 ) Next, Im told to email a request, then I was told to request removal over the phone. 4 ) Now after asking about why the payments Im making arent going towards the payment thats due, I was told that I keep getting late fees because it looks like Im making partial payments when Im not. Im making a full mortgage payment. Now Im being told that they removed one late fee for {$48.00} but that is all they would do. I explained to them that {$1100.00} would be better spent on the XXXX mortgage payment but I havent been able to get a straight answer. Each person tells me something different. I asked to speak to a manager or supervisor and was told one would call me back but they have not called. Im terribly frustrated because my mortgage has been sold three times and this is the worst company I have had. The first mortgage company was XXXX XXXX then the load was bought out by XXXX  XXXX XXXX now Specialized Loan Servicing. Please help.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with The Fair Credit Reporting Act. The list of accounts below has violated my XXXX XXXX consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 ( a ) ( 5 ) section states no reporting agency may make any consumer report containing any of the following items of information .Any item of adverse information other than records of convictions of crimes that antidates the report by more than 7 years. 
A person should not furnish any information relating to a consumer by any consumer sumer ageny
Consumer complaint received 2023-05-06
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. (TX)

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 XXXX
Consumer complaint received 2021-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NY)

I have attached the screenshot that I received from PayPal for your reference. 

I am the XX/XX/XXXXof a Sunday XXXX language class of XXXX kids. For XXXX gift I collected some money from other parents and sent it to the XXXX language teacher. 

The amount of the this money transfer is {$100.00}. 

PayPal put a limit on my account by sending me 2 different requests : ( 1 ) I have to provide the birthdate of the recipient ( 2 ) I have to provide my business documents I responded by calling PayPal and responding using PayPal system to clarify that I don't have a business. But PayPal still insists that I obtain the birthdate of the recipient, who doesn't feel comfortable to share this privacy. 

Please investigate into PayPal 's request and PayPal 's limit on my PayPal account. 

Thank you! 

My name is XXXX XXXX PayPal account is XXXX My phone is XXXX
Consumer complaint received 2020-03-22
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. (TX)

I am writing this due to non-compliance with the with Experian and XXXX. 

They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2020-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

Original creditor : NORTHSIDE EMERGENCY ASSOCIATE Creditor Information RADIUS GLOBAL SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Amount : {$1400.00} The charge amount from this hospital was not made by me or for services provided to me. I believe this charge is fraud.
Consumer complaint received 2020-03-22
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: AMERICAN EXPRESS COMPANY (CA)

I had left town on XX/XX/20 around XXXX. I returned around XX/XX/20 and checked all of my accounts per usual and noticed fraud. The only person that had access to my home was the housekeeper in which I trust. 
XX/XX/20 XXXX, XX/XX/20 XXXX, XX/XX/20 XXXX, XX/XX/20 XXXX, XX/XX/20 XXXX and XX/XX/20 XXXX. I did not authorize nor make the above indicated charges. I received documents " Declaration of Fraud '' and turned them in. I dont believe that American Express even investigated and if they did not thoroughly. My claim was later denied and with the coronavirus pandemic and my job closed I NEED MY FUNDS THAT WERE STOLEN. Please help!
Consumer complaint received 2020-03-22
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 Consumer USA Holdings Inc. (KY)

Vehicle was repossessed and returned to me the same day with payment and negotiated agreement 2yrs ago. No payments since were reported to credit bureaus after several complaints. The vehicle was later totaled in wreck mid 2019 but monthly payments were still made and never reported. An agreement was then made to pay a negotiated pay off amount of XXXX divided into 4 payments. The last payment was granted to be divided into 2 payments and made only a few days apart in XXXX due the Covid 19 and temporary Job loss. The final payment was completed on XX/XX/XXXX. On XX/XX/XXXX I called Santander over 6 times over the course of 3 hours to confirm confirmation of the final payment being made and to ask what the turnaround time would be before being reported to the credit bureau, but the automative service continuously disconnected me and became a dial tone each time. This has thus far been the absolute worst and unorganized company to work with and has caused many credit score issues. Its paid in full and I just need it disappear from my life completely in order to move forward.
Consumer complaint received 2020-03-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (PA)

National Credit Systems continues to furnish information on credit file regarding debt from XXXX XXXX XXXX. Amount on credit report is not validated and inaccurate. Requested information regarding debt and company failed to comply according to FCRA Guidelines.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

XXXX XXXX has XXXX disputes that.have completely aged out with plenty of proof services were not received. Several individual bank branches that I'm friends with have tried to fix this. I call disputes they ay " we know who you are do not call.again '' and have called them maybe XXXX  times in several years of being a customer. This feels very personal but the facts time is beyond up and they have more than enough documentation to refund my dispute. They are not following best practices or even the laws that handle disputes.
Consumer complaint received 2023-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICA FIRST FEDERAL CREDIT UNION (CA)

I obtain notice that there was a debt owed to said company. It is my belief that the debt was due to fraudulent activity. I tried with no avail to discharge the debt using my rights under HJR 192 73-10. and 18 USC 8 all debts are the obligation of the UNITED STATES. They are in violation of ( FDCPA ) Fair Debt Collection Practice Act 806 807 ( 2 ) ,812,15USC 1692 ( c ) ,15USC 6803,28USC 3002 ( 4 ) ,18 USC 3333,12 USC 1431. Civil rights violations 42 USC 1983,1985,1986,1988.
Consumer complaint received 2020-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is a response to:XXXX Bank of America XXXX 

I have two credit cards with Bank of America. They told the CFPB that the bank did not know me. But then I was sent a large response about how they did nothing unlawful to begin charging my cards an annual fee. it is not a legal issue. 

The issue is it ethical to begin charging me {$50.00} each for two credit card just after Bank America just started paying a large  dividend XXXX XXXX. Is that ethical?
Consumer complaint received 2020-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Experian does not offer a way to TEMPORARILY lift a credit freeze on the automated system. 

Previous complaint was filed on XX/XX/2020. A report from Experian was sent to me with a phone number to call or a web address to TEMPORARILY LIFT a security freeze for a period of time in order to apply for credit or for any transaction ... '' The telephone / automated system does not allow for a temporary lifting of the freeze only a permanent removal which is required in writing. 

Please add this TEMPORARY LIFTING of a credit freeze to the automated system.
Consumer complaint received 2020-04-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION (FL)

I have a conventional mortgage on my home, and I have never missed a payment. 
I got this mortgage with a mortgage company that unfortunately sold the mortgage account to the SunTrust Bank, merged today with BB & T and with the new name of Truist. 
I am foreseeing financial hardship in the future because of the Covid-19 crisis, and would like to get to an arrangement with Trusit in case I need help in the next 2 to 3 months with my mortgage payments.

Truist has zero customer service during this pandemic times. The only way to get help with mortgage issues is by calling the number XXXX-XXXX-XXXX, but the problem is that my domestic partner and me have been on hold for up to 3 hours in several occasions and we have never been able to reach a representative. 
We turned to the community and all other clients of Truist are experiencing the same problem, some holding for up to 5 hours in a call without ever getting an answer.

The few cases we know that got through after many hours, are extremely disappointed, since all Truist offers is a 90 days forbearance, in other words, people who chooses this option will not pay anything for 3 months, but will have to produce the mortgage payment of all 4 months on the fourth month or will face foreclosure. Is this even legal?

Since calls don't get answered, I went to a branch risking being on the street, emailed their ''customer support '' address and even wrote to them on social media ( XXXX and XXXX ). I have never received an answer. Please help investigate what is going on with Truist.
Consumer complaint received 2020-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I requested a balance transfer using my XXXX XXXX XXXX Rewards credit card. The payment of {$510.00} went from XXXX to XXXX XXXX XXXX. After I entered my XXXX account number, I was given the option to select the ONLY name that came up after I entered my account number and that was XXXX XXXX XXXX. I selected the name and pressed confirm. I received a message saying the request was submitted successfully. On that day, I performed several balance transfers. I was informed that the balance transfer would take up to 10 days. Every account received their payment within 3-5 days except XXXX. I began to call XXXX credit card, which is under XXXX XXXX, to find out the status of the payment I submitted on XX/XX/XXXX. XXXX XXXX said they never received any payment. I contacted XXXX to inform them that XXXX/XXXX XXXX has not received the balance transfer payment. On XX/XX/XXXX I had a conference call with a rep from XXXX by the name of XXXX  and a supervisor from XXXX/XXXX  XXXX by the name of XXXX ( employee number XXXX ). XXXX explained to XXXX that they needed something stating that my balance transfer to XXXX was rejected so XXXX could resend funds. XXXX said there was no payment showing in any of their systems to give XXXX a notice of payment rejection. XXXX from XXXX XXXX explained that when things like that occur XXXX  XXXX has the ability to have that payment sent back to the cardholder ' credit card. After the conference call I was under the impression that XXXX would cancel the payment and it would be returned to my credit card. No such thing occurred. I've spoken to multiple people, XXXX, XXXX Asst manager, XXXX XXXX, at XXXX with regards to my missing balance transfer payment. On XX/XX/XXXX, I spoke to a supervisor by the name of XXXX. He told me that somehow my payment went to Chase instead of XXXX/XXXX XXXX. Chase is XXXX and XXXX XXXX parent company. XXXX has sent several messages to Chase asking them to resend my payment.
Consumer complaint received 2020-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TN)

I disputed this item before when another collection bureau was trying to collect it from me, It was determined it was no longer my account since it was sold I filed a dispute with you and you removed it from all my reports, Now this information has been sold once again to Enhanced Recovery Company, on XX/XX/2020, showing up as a collection report on my credit file 's, I WILL NOT DEAL WITH THIS AFTER GOING THROUGH THE TORNADO 'S HERE IN TN AND NOW THE VIRUS. THEY ARE XXXX XXXX XXXX FISHING FOR MONEY BY SELLING THE ACCOUNT. IT IS NOW SHOWING AS A COLLECTION AS A GHOST ON ll 3 of my reports. I WANT THIS FIXED ONCE AND FOR ALL. PLEASE REMOVE IT FROM MY 3 CREDIT REPORTS
Consumer complaint received 2024-04-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I am selling a XXXX  XXXX XXXX XXXX set on XXXX app. A women name XXXX XXXX contacted me saying that she will buy the XXXX XXXX XXXX for the amount of {$2900.00}. XXXX sent me a check through mail of the amount of {$2900.00} plus the fees to pay the moving company. After depositing the check and the bank gave me the green light the founds were available XXXX asked me to wire transfer {$3000.00} to a person named XXXX XXXX with a wellsfargo bank account with Routing number XXXX account # XXXX. Once the wire transfer the next day XX/XX/2024. XXXX texted me from the phone number XXXX to tell me she was cancelling the sell on me. Right away I went to my bank to try to stop the wire transfer. But the wire transfer was done.
Consumer complaint received 2024-04-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (TN)

Sent letter to LVNV FUNDING LLC collections agency requesting validation of debt with them. Requested proof of signed agreement with myself and original creditor, establishing myself liability for debt. The amount of alleged debt.
Consumer complaint received 2021-07-26
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. (AR)

I have a fraudulent inquiry on my Equifax report from XXXX XXXX on XX/XX/2021. This was not authorized by me and must be removed. Thanks
Consumer complaint received 2020-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: REGIONS FINANCIAL CORPORATION (FL)

see attatched REGIONS letter XX/XX/XXXX confirming a dispute was recieved XX/XX/XXXX PER REVIEW NO DISCREPANCY WAS FOUND. Due to my XXXX I have no one to assit in THIS EXTRA HARRASSEMENT STEP OF REGIONS ID THEFT KIT. I HAVE SUBMITTED IT TO AUTHORITES REGIONS DENIED MY CLAIM. Regions may view the attatched FTC ID THEFT REPORT case XXXX for any information needed or documentation of fraud date XX/XX/XXXX. see attatched MAIL FRAUD LETTER of XX/XX/XXXX. also see attatched REGIONS REPLACEMENT CARDS DOCUMENTATION. My records show XX/XX/XXXX I REPORTED UNAUTHORIZED TRANSACTIONS CARD END XXXX. XX/XX/XXXX REGIONS REPLACED FRAUD CARD WITH CARD END XXXX see attatched XX/XX/XXXX regions letter end this card XXXX. Over {$2000.00} reported unauthorized to no avail. CLEARLY THESE WERE ALL REPORTED TIMELY EVEN FROM DATE OF LETTER XX/XX/XXXX THEY ARE NOT PAST 60 DAYS. MY CLAIMS DISMISSED THEN CORP OFFICE REFERRED ME TO BRANCH XX/XX/XXXX TO RESOLVE. EMAILS FROM THIS OFFICE UPON REQUEST. STILL NO RESOLVE. My records show I reported fraud again XX/XX/XXXX REGIONS REPLACED THIS FRAUD CARD ENDING XXXX I reported again XX/XX/XXXX REGIONS REPLACED CARD END * XXXX.???? Then they denied my claim. Kindly Note Regions Letter of XX/XX/XXXX IS AFTER CONFIRMED INVESTIGATION thus HAD TO BE REPORTED PRIOR TO XX/XX/XXXX. KINDLY NOTE THE CARD ENDING WAS XXXX THE FIRST REPLACEMENT. CARD FROM XX/XX/XXXX. FRAUD CONFIRMED REPORTED TIMELY. REGIONS DOES NOT RESOLVE FRAUD. REGIONS COLLECTS ON ID THEFT. REGIONS DOES NOT PROVIDE XXXX ACCESS MOBILE APP. OR WEB. THREE BROKEN LAWS. REGIONS PRETENDS THEY DO NOT KNOW WHAT I AM TALKING ABOUT. EMAILS OF IGNORING ME XXXX XXXX FROM XXXX XXXX XXXX FL BRANCH OFFICE XX/XX/XXXX UPON REQUEST AND THAT IS after corp ignored me over a year.
Consumer complaint received 2022-01-26
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. (MI)

I have previously questioned this account with credit institutions and each time the investigation returned as " verified ''. I decided to go directly to the creditors and file a dispute with them. The lender was unable to provide any form of documentation to verify this particular account with me. If they are unable to verify this account with me- the alleged account holder - there is no way to verify it!
Consumer complaint received 2024-01-02
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. (GA)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-01
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. (AZ)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.