davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

The Mortgage Servicer, i.e. Select Portfolio Servicing Inc. ( SPS ) took over my mortgage Account from XXXX XXXX back in XX/XX/XXXX. I contacted Select SPS by phone on XX/XX/XXXX around XXXX for two ( 2 ) concern. A guy picked up my call and we had aa bad conversation ( comin from him ). 

My Questions were 3 1st question was for the Year ended Statement ( XXXX ). I asked for IRS Form 1098 statement and he gave me YTD Interest & Real Estate I Paid all of XXXX. He gave me ebginning from XX/XX/XXXX. I needed for the whole year ( XXXX ). He rudley that I have to call the previous mortgage holder. I told him that that I tried with no success. I can file my XXXX Tax Return w/o those info. 
2, SPS charges $ 15/month for on line payment. This issue began in XX/XX/XXXX. I pay on line w/o help. That is a ripoff. SPS is dwelling on XXXX, XXXX and elderly people. SPS has a pattern to take advantage of these groups. I am surprised that the Government allows them to operate. 

3. Hostile and Rude customer Service Reps.
Consumer complaint received 2016-01-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams & Fudge, Inc (AZ)

I have repeatedly gotten robo-calls from various unlisted numbers saying they have a message for me. When I do answer and " press XXXX '' to get the message, they first ask me to confirm details like date of birth and last XXXX digits of social security number. They refuse to identify who they are or why they are calling and so I refuse to verify any information. I recently got an email from " Williams & Fudge, '' a debt collection agency. I believe this is who are behind the calls, but they are looking for a someone with a slightly different name -- not me. I 'm sick of being harassed by these people, especially for a debt that 's not mine, and especially when they wo n't actually tell me anything.
Consumer complaint received 2020-08-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (TX)

Changed cell phone service from XXXX to XXXX XXXX XXXX in XXXX. XXXX   did all the cancelling and moved our service with same telephone numbers to XXXX 
I have continued to get bills from XXXX and they now have bill at {$900.00}. I paid my bill every month up until transferring to XXXX. I wrote a letter on XXXX bill a few months ago stating I needed a detailed accounting of bill as I didn't understand why my bill was now, at that time I believe {$800.00}. Now they have turned me into a collection agency. I've written another letter to both XXXX and Sequium Asset Solutions , LLC asking for an accounting of my bill. Today I received notice from XXXX that I've been turned in for non-payment of a debt and my credit has dropped at least 21 points!! 

I'm sick of these people thinking they can bully and bluff but not suffer any consequences. 

Regards, XXXX XXXX
Consumer complaint received 2020-04-16
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. (TX)

In XXXX of 2019 I mailed a letter to each credit reporting agency that was sent to me from XXXX XXXX XXXX that they would remove this account from all reporting credit agencies and it is XXXX and this is still reporting on my credit report.
Consumer complaint received 2020-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

On, around, or before XX/XX/XXXX, I received an email from PayPal stating that my password has been changed. Being that I have no logged into this account in well over 6 months, I know for certain that it was not me, nor did I grant anyone access to make any changes to this account whatsoever. Being that I have completed the " Fraud Victim Affidavit '' due to my identity being used in and or on other platforms without my authorization, this type of occurrence may have transpired due to the access of all my accounts, emails, messages, passwords, contact information, etc. being in the hands of an unknown person.
Consumer complaint received 2020-04-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have previously requested the credit bureaus to look into the accuracy of this account. They have not done so and they continue to report this account illegally. I asked for validation on this account for the bureaus to look into the reporting of the incorrect and questionable fields they are reporting about me. I have not received the responses in the allotted 30 days timeframe. I spoke to the bureaus inc on XX/XX/XXXX asking for specific information about this account. They have not provided me with what I requested. They give me what they want and not what's requested. There is an issue with this account and it is damaging to my credit. 
1. I dont understand the payment history of this account and how the charges went from XXXX to XXXX. 
2. I asked for the original contract bearing my signature.

3. I asked for the payment history and last payment date made on this account. 
4. I received an email from the website and email address from XXXX on XX/XX/2020, regarding what they claimed to be my debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The email says that it is a notice from XXXX  XXXX   XXXX  in an attempt to collect debt that I am not even aware of. I check the website and it shows that it is a XXXX XXXX XXXX XXXX!! Why do they have my information? I am afraid that my information has been compromised. Please immediately remove this account from my credit report.!
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Screening Reports Inc. (IL)

SCREENING REPORTS, obtained my background check and credit report without my permission or signed consent. I did not authorize any housing application with Indiana housing to consent to a background check with this company. Nor did I give SCREENING REPORTS, INC permission to place a hard inquiry in my credit report as well. SCREENING REPORTS, INC also reported incorrect information in my credit report as well. SCREENING REPORTS, INC has refused to remove the hard inquiry from my credit report and I want it removed.
Consumer complaint received 2020-04-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Phoenix Financial Services LLC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2020-04-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: R & B Corporation of Virginia (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2020-04-16
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. (TX)

Im missing a payment history on my XXXX  XXXX XXXX  account in the month of XX/XX/2020 and I disputed with Experian and it was denied after 30 days and Im trying to get it updated I paid my XX/XX/2020 statement and it not being reported to Experian at all .... I would like XXXX  XXXX XXXX to update my XX/XX/2020 payment thank you
Consumer complaint received 2020-08-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

have not received credit report within the 30 days. 
will you please help me with this and make them send them to me.
Consumer complaint received 2020-04-16
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. (TX)

On 10 occasions I have contacted Transunion about fraudulent credentials inclusive of inquiries. I have disputed inaccurate information, 3rd party system reports and they are violating my rights.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I have a American Express XXXX XXXX credit card. One of the main benefits of the card is you earn 6x points per dollar spent at XXXX prioperties. 

On XX/XX/20, I stayed at the XXXX XXXX XXXX. I used my Amex XXXX XXXX XXXX  card for room charges. I should have earned 6x points for these charges, but I only received 2x points. 

XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX  XXXX  XXXX  XXXX  XXXX XXXX The charges are coded as " sporting goods '' for some reason rather than " hotel ''. This is a brand new hotel, so their merchant payment processing probably wasn't set up correctly, and Amex 's systems didn't code these charges correctly. 

I chatted with an American Express agent on XX/XX/XXXX, and opened case XXXX. They said it should be resolved in 7-10 business days. I chatted again on XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, and again on XX/XX/XXXX. In each case they said it was under review, and no update was available.
Consumer complaint received 2020-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank widely advertised a promotion offering {$1000.00} to any individual who moved at least {$75000.00} into its bank from an outside source and left it there for at least 3 months. Based on this representation by Chase, I opened a new Chase account and transferred {$76000.00} from an outside bank into this account on XX/XX/2020. Three months have now elapsed, and I have not received the {$1000.00} as promised. I messaged Chase through their website, and they said they can not find a coupon code associated with the account. This sounds like an internal error that should have nothing to do with the {$1000.00} they now owe me.
Consumer complaint received 2020-04-16
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. (CA)

On XXXX, Experian notified me by email that it had deleted a paid off auto loan in good standing. I worked very very hard to pay that loan off quickly. I advised Experian that I wanted the loan status to show that it was paid off. Instead after much time, Experian deleted that loan from my credit report. As a result my score declined. I wanted to buy a house and get the best terms. Experian jeopardized my goal. I called XXXX XXXX XXXX XXXX XXXX XXXX, where I had the loan. The customer service representative said that it was not the bank/credit union that deleted that car loan but that it was Experian. When I tried to call an Experian customer service representative all I got was phone prompts with no option to speak with a human being. Basically, Experian customer service is designed to waste people 's time and make them frustrated.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MI)

When I entered all the information needed to complete application, I do n't see anything. No credit report was given. Same problem with other credit bureaus. How am I to read my credit info once a year when nothing is provided. Do you not show the results online? Does it only get processed through the mail?
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

There is a bankruptcy that is reporting on my Experian Credit report that is not accurate. I keep disputing with Experian and they keep advising they verify the accuracy with XXXX XXXX. I have reached out to XXXX XXXX and confirmed there is not a bankruptcy reporting. This needs to be removed from my credit profile due to FCRA the bankruptcy is inaccurate information reporting. Remove this item. I have attached a copy of my XXXX XXXX report.
Consumer complaint received 2020-04-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

Equifax will not unlock my account, I have called more times than I can remember. They asked me to fax them my name, SSN, Drivers license and pay stub, which I have done at least 8 times over the pass four months. I have also created a customer care case, which has been open for three weeks with no response from them. I'm fed up with their lack of help.
Consumer complaint received 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

We refinanced back on XX/XX/XXXX and have had nothing but problems with our new servicer. Lakeview Loan Servicing and the company that " writes their letters ( XXXX  ). '' At the beginning of the year we received a letter stating that we didn't have adequate coverage with our XXXX policy for our Homeowners Insurance when indeed, we did. This took several hours on the phone trying to clear this issue. ( I guess they do not have someone that is able to read and interpret the information in the said policy. ) Then on XX/XX/XXXX, we received a new letter saying we do not have hazard insurance when our property requires it ... but they would gladly purchase it for us for a " significantly more expensive '' rate. Fast forward to our mail today XX/XX/XXXX ... a second letter regarding hazard insurance. Still don't have insurance ( according to them XXXX. I have confirmation that a XXXX representative spoke with these people on XX/XX/XXXX and faxed the appropriate information to their fax number. I can only assume that this fax machine is not being tended to during these times of COVID-19. Spent 27 mins on the phone with XXXX from XXXX. 

The most recent incident was yesterday, XX/XX/XXXX. We received an Annual Escrow Account Disclosure Statement. This statements says that we owe {$2300.00} for a shortage with our escrow account. The number is inaccurate, as my husband and myself have someone who is a Senior Loan Advisor that looked over our HUD statement and noticed a clerical error. I would like this to be rectified immediately on behalf of XXXX. The amount that is added to each month statement would clear up any deficit in escrow funds. Please advise.
Consumer complaint received 2020-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

On numerous occasions, I have sent letters the below named account only to receive them right back. 

My initial letter was sent on XX/XX/XXXX and returned on XX/XX/XXXX and the second letter sent on XX/XX/XXXX and returned on XX/XX/XXXX. Im unable to reach this company and have this account rectified. I have never been late on this account and this have proof of this. I ask in your assistance of removing this late payment from my account. 

1. XXXX/XXXX  : Account Number : XXXX
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

On XXXX XXXX I opened an account at Citizens Bank a national bank because they offered high interest rates on their savings account. The money transfered that day and my account was opened. I received an email dated XX/XX/XXXX that my account was opened and active ready to use. They posted in the email that their was {$2000.00} was in my savings account and {$1000.00} was in my checking account ready to use as I had requested. See attached document. A few days after it was deposited, I realized that it was not Citizens Access Bank with the desired interest rates so I told him I wanted to close my account and open my account with the correct bank to receive these rates. I instructed him to send my {$3000.00} back to XXXX XXXX XXXX. He agreed to this in the phone call. What he ended up doing was closing the account before transferring the money. I never received the funds in a check or into my XXXX account. I have spoken with to numerous managers at Citizens and they claimed XXXX should have received the money. When I contacted XXXX and spoke with XXXX the manager she said Citizens never transferred the funds back. Citizens bank has refused to do anything to retrieve my money and is denying I ever opened an account. Refer to the attached document ( email from Citizens when the account was opened ). Can you please assist me in getting my money back?