davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX / XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$26000.00} XXXX XXXX XX/XX/2023
Consumer complaint received 2022-01-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

My mortgage was transferred to Select Portfolio Servicing ( SPS ) in late XXXX, 2021 after I made my 1st month payment ( due date XX/XX/2021 ) to the original mortgage company called XXXX XXXX XXXX XXXX  XXXX ), since then, it has been a nightmare to deal with SPS, first, after the mortgage was transferred, nobody sent me the updated information for where to send the payment due XX/XX/2021, and I ended up having to send my 2nd payment to XXXX again. XXXX, after I paid my XX/XX/2021 due date mortgage, it looked like SPS suddenly woke up and found they didn't get my XX/XX/2021 due date payment, I called, emailed and told them again and again the payment was sent to XXXX, instead of checking with XXXX, SPS started to harass me with one letter after another ( total 17 letters sent to me, many with the same content ). 3rd, finally, after more than 60 days of investigation, they figured out, however, they still didn't get my escrow account correct by missing one month 's escrow payment, I emailed and mailed a letter to them to help correct the mistake, instead of getting it fixed asap, SPS sent me 4 more letters ( same content! ) saying the investigation will take another 30days!!! I was so frustrated and fed up with this company, I worked with so many mortgage companies before, and never ever in my life having met with a mortgage company like SPS with such messy, unprofessional and endless dragging practice, please help! Thanks.
Consumer complaint received 2022-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX {$10000.00} XXXX XXXX XXXX  XX/XX/XXXX {$500.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$3000.00} XXXX XXXX / XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX In accordance with FaIr Credit Reporting act these accounts has violated my rights. 
15 U.S. Code 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.
Consumer complaint received 2022-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (NJ)

I have an active account with Gemini www.gemini.com. they have had the account for over a year and they always are able to withdraw from my XXXX account. Went to make a withdraw and surprisingly they are not compatible to send money to my XXXX account. Wrote to customer service and they provided a code for me to issue a wire to them. Called XXXX as i had never heard of a wire transfer to receive money. They agreed. An ACH Collections account could be provided, but i would need their banking routing and related information according to XXXX. They asked for my bank statement which i provided but makes no rational sense as well as my checking information to attempt to facilitate the withdraw. Provided my telephone number as they do not have one! HELP!!!! THESE PEOPLE SHOULD NOT BE IN BUSINESS.
Consumer complaint received 2021-05-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (NC)

I have tried numerous times to contact the collection agency RMP SERVICES LLC ( 2 collection accounts ) to verify the debt being reported on my credit file. I have been unable to speak with someone who has information on the account, their system does not recognize my pertinent information as a valid account. 


Contact RMP Services LLC XXXX XXXX XXXX XXXX XXXX, TXXXXX  ( XXXX ) XXXX Contact RMP Services LLC XXXX XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX
Consumer complaint received 2022-03-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

Complain against : Comenity Bank XXXX XXXX Card I paid on time, but Comenity Bank failed to applied my payment. After I replaced payment, Comenity Bank failed to discard the XXXX payment but tried to deposit which resulted in being returned, then Comenity Bank charged me Returned Payment Fee. I have disputed with Comenity Bank multiple times in phone and letters, and online messages, but Comenity Bank denied my dispute, and continues charges me Late Fee and interest.
Consumer complaint received 2022-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In Accordance with the Fair Credit Reporting Act : XXXXXXXX XXXX  Account # XXXX Has violated my rights. 
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 also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-05-12
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: EQUIFAX, INC. (SC)

Good Day, This is my second time to report all three credit bureau XXXXs .I have disputed these items over many times already and they still remain. so I'm reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2015-04-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

I recently called Navient, my private loan lender. I told them that at this time I make about {$300.00} less than what I need to make to cover all my other living expenses. I told them I have proof if need be. The woman I spoke to added all my current bills, added them up and told me the best she could do is {$200.00} a month. If I pay this I will have to sacrifice something I actually need, like gas money, my phone or food. I have no family to help me and I do n't live some extravagant lifestyle. I told her I could pay her {$100.00} now because I just got my taxes back and I could try to do so every month until my circumstances got better. I have been looking for both part time evening work and other substantial gainful employment since I graduated in XX/XX/2014, but I have had no offers. I have proof of how many applications I have sent as well. She told me that it would n't matter and that my account would still go delinquent and eventually get " charged off ''. I am trying, I ca n't do much more than what I am to get better money to pay these bills. I want to pay something but it does n't seem to matter and I 'd basically be wasting my money anyway. What should I do?
Consumer complaint received 2022-07-07
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: Experian Information Solutions Inc. (TX)

1.Account Name : XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/2015 Amount : XXXX XXXX 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
Consumer complaint received 2021-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (TX)

Simple Bank transitioned to BBVA with months of reminders and weeks of customer preparation. I have not been able to speak with someone at BBVA to gain access to my account since transition day, Saturday XX/XX/2021. I have called multiple days and been left on hold for hours then hung up on. 

My debit card still works but I have no idea the amount left in my account nor the ability to speak with anyone to discuss anything at all. 

I want to close my account with them and transfer to a credit union but its day 5 and looking like I wont be able to until next week.
Consumer complaint received 2022-03-12
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. (NY)

The credit bureaus are reporting negative information on my credit file without due diligence. They are using unverified information from a collection agency. The name of the collection agency is XXXX XXXX XXXX, XXXX. I put a dispute in and by law, the credit bureau should not be reporting negative information under investigation. They should have taken off until due diligence is taken. I sent a letter for validation to the collection agency and they continue to send me generic correspondences. I have sent certified mail with specific questions for them to answer because it is my constitutional right to know what the debt is and how much they paid to acquire said debt. Furthermore, I asked for any contractual agreement between me and said company XXXX XXXX. 
I also sent the credit bureau a certified letter stating my rights whereas they are reporting inaccurate information and should take it off my credit report because it is jeopardizing my ability to get a loan to help my children through college. 
It is an unfair practice for companies to be allowed to report negative information without proper validation. A statement ( a bill ) or a letter from originated creditor is not suffice as validation. I need for said companies to provide the law that states otherwise specifically. Also, would like for my certified letters to be answered directly and not given generic responses and still be liable for invalid information.
Consumer complaint received 2022-03-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was told Bank of America was not able to obtain my XXXX tax transcript I called the IRS on XX/XX/XXXX and spoke to XXXX XXXX XXXX ext XXXX ) who confirmed my XXXX tax returned was filed and the transcript is in the system but her computer was not allowing her to send a copy to me so she said to call back to get someone else, I called 5 times that day but could not get through because call volume was too busy. 

I called the IRS again on XX/XX/XXXX and spoke to XXXX XXXX ( ext XXXX ) who confirmed my XXXX tax returned was filed and was in the system and she could mail a copy to me. She could not fax or email A bank of America representative was on the phone with me and heard the IRS lady confirm and I asked her to note my file and escalate that confirmation. 

Please clear the issue of unverifiable income from the XXXX tax return issue when bank of America was alleging I did not file it but provided it to Bank of America causing a discrepancy Please contact the IRS to confirm and request a tax transcript, as soon as the paper copy arrives I will send it right away to Bank of America I filed a CFPB complaint and Bank of America assigned my loan to XXXX XXXX who was very helpful. She was working on clearing a quality control issue regarding my income where they kept stopping me from being reviewed for assistance. 

The other issue is per the CFPB all mortgage servicers are required to review everyone who was in the COVID forbearance for assistance to be brought current. Bank of America never reviewed me because of their own policy with the unverifiable income flag on my account which was and is in error verified by the IRS She called me and said the foreclosure was put on hold and there was not sale date to give them time to work on clearing this issue since my income is from VA military XXXX and social security only and is very easily verifiable. 

This was confirmed as far back as XX/XX/XXXX and they gave me my case number and her direct fax As of today there is still a foreclosure sale date and it should be canceled per XXXX XXXX communication
Consumer complaint received 2018-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

I applied for the Public Service Loan Forgiveness Program. In XXXX when I was accepted into the program my loan was transferred from XXXX to XXXX   XXXX. I never received any correspondence in the mailing stating the change or that I was even accepted into the program. Last week I received a notice from XXXX XXXX stating my student loans were behind 120 days with XXXX XXXX. So I called them to see what this was referring to because I was under the impression I was still with XXXX. I was told about the consolidation and transfer of the loan. And that they were sending my correspondences to an old email address because when I had XXXX XXXX back in 2013 I was signed up for paperless notifications. I was never notified that I needed to reapply for my Income Driven Repayment Plan which doesn't come up for re certification until XXXX with XXXX. So my credit was hit very hard because I wasn't properly notified.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC (FL)

I have sent this collections creditor two letters asking for full validation of the debt that they are trying to collect from me and reporting against me on the credit reports. I have a right to understand the charges being held against me. To date, I've yet to receive any answer, but yet they are allowed to be reporting against me on the credit report, whether the information is right or wrong.
Consumer complaint received 2021-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I am the agent for XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2021 we paid off a mortgage in favor of New Rez pursuant to their closing instructions ( copies attached of the payoff and wire transfer ). In connection with closing XXXX made payment to the insurance company for the homeowners insurance premium due and delivered to the insurance agent on XX/XX/2021 ( copy of XXXX and proof of payment ) On XX/XX/2021, New Rez sent a revised payoff statement which included an additional payment for homeowners insurance that they had advanced from their escrow account. I immediately contacted the insurance agent and left a voicemail to ask that they void the check and send back to me so I could send the additional payment as part of the payoff to New Rez. The person who called me back indicated that the person who emptied their drop box would be doing so on Monday, XX/XX/2021. I received the voided check copy after business hours on XX/XX/XXXX ( copy of email attached ). At the end of the day on XX/XX/XXXX, New Rez returned our initial payoff wire and made a demand for additional interest from both the borrower and XXXX in the amount of $ XXXX ( copy attached ). I called New Rez customer service, spoke with XXXX XXXX and she said I would have to pay the additional interest even though they had made the original mistake and I had taken every step to help resolve on our end. On XX/XX/2021 XXXX placed a second wire to include the additional interest ( copy of wire attached ). I believe that the additional interest should be credited back to XXXX for refund to both XXXX and the borrower. I initiated an internal complaint with New Rez and stated I would be filing a complaint with CFPB..
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (FL)

I have sent this collections creditor two letters asking for full validation of the debt that they are trying to collect from me and reporting against me on the credit reports. I have a right to understand the charges being held against me. To date, I've yet to receive any answer, but yet they are allowed to be reporting against me on the credit report, whether the information is right or wrong.
Consumer complaint received 2019-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (ID)

During the spring of XX/XX/XXXXI developed medical issues that were later diagnosed as a rare form of XXXX XXXX XXXX. As such, my medical expenses for the diagnosis and treatment of the disease exceeded my available resources to pay for both healthcare and my student loans. I fell behind on payments and ultimately into a default status on the loans. When I had recovered sufficiently, medically and financially, I refinanced my house to pay off the student loans. Payment in full for {$77000.00} was sent to Fedloan Servicing in XX/XX/XXXX and received by them on XX/XX/XXXX at XXXX XXXX ( USPS tracking # XXXX ). Fedloan servicing also transferred my account to the department of education default group on XX/XX/XXXX. Subsequent phone calls to Fedloan servicing were not fruitful in that they stated they had not received any payments on my account. A conference call was setup, XX/XX/XXXX, with a representative from my bank to provide information about the check that was issued and when it had cleared my account. During the call the representative from Fedloan servicing initially denied receiving the funds but later agreed they had received the payment and it was being held in suspense. She stated the funds would be transferred to the Dept of Ed on XX/XX/XXXX to clear my account. In XX/XX/XXXX I again contacted Fedloan servicing and was told the funds had not been transferred. XXXX, a supervisor with Fedloan servicing stated she could see the funds in their suspense system and that the account was marked as " do not forward or apply ''. She was unsure of why it was annotated in that manner but said they would send payment back to my bank. I asked for confirmation to be sent to me when this happened and she stated she would request that. Subsequent phone conversations have not resulted in the funds being released or any indication of when or if they would release the {$77000.00} that they agree they have no right to keep. It has been over 90 days since they received the funds and my account remains in a default status and is being erroneously reported as such on my credit. Recordings of the conversations with Fedloan servicing are available upon request. Their lack of releasing the funds in a timely manner is resulting in an additional cost to me of over {$7000.00} above my agreement with the department of education to clear the debt.
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MD)

Someone opened a online checking account under my name and stole around {$10000.00} from me on XX/XX/22 from a different state. The bank never notified me nor sent a welcome package. I then received an alert via email on XX/XX/22 about the debit card being declined. I immediately called Wells Fargo that same day so file a claim. They provide me with a case number for online fraud and ATM fraud. They also put a block on my accounts and closed that account that was not opened by me. I noticed that more money was being pull so I called Wells Fargo again and they stated that I never filed a claim which is false since I had the claim number. They also stated that they never closed the account down so they did it again that same day. We then had to redo everything on XX/XX/22. On XX/XX/22 I received a letter in the mail saying my claim was denied since it was not considered fraud and because they sent me a welcome package. I asked what address they sent it to and they would not provide me with that information even through I already identified myself in every aspect. I spoke to a manager that same night and they couldnt help either. I ended up filing a police report but they stated they wont be able to do anything either since its in a different state. I went to the branch to open up another case since I could not file an appeal and that ended up also being denied. I called on XX/XX/22 to speak to a manager and they informed me they transferred my case to identify theft and provided me with the phone number. I called that same night and they stated it will take up to 30 days. I waited until XX/XX/22 for a call back since I received no information. They told me that the claim has been denied back on XX/XX/22 and there is nothing I can do to receive my money back besides file a police report.