davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (IL)

The debt I'm alleged to owe is XXXX from XXXX XXXX. XXXX XXXX  abruptly canceled my home owner insurance because of my roof. However XXXX XXXX denied me time to hire a roof contractor to look or even repair my roof if need be. This was due to the weather as to why I need and requested an extension for someone to see if I need roof repair. 

XXXX XXXX cancelled my home owner insurance on XX/XX/2018. I was then told that my insurance was covered till XX/XX/2018 and I did not need to pay any more when my insurance is canceled on XX/XX/2018 from XXXX XXXX. This was told to my spouse XXXX XXXX   local agent and corporate headquarters. Now i have been put in collection without being told by XXXX XXXX prior to being put in collections. Plus I was told that I do not owe any more money. Now Im being threatened by this collection agency to pay money that I do not owe. I received Spam virus phone calls from the collection agency all day and night. The Credit Collection Services continue to Threaten to report me to the credit reporting agencies if I dont pay now. Also Previously I have been with XXXX XXXX for over 20 years, and am very disappointed with the current events with my Home owner insurance policy.
Consumer complaint received 2022-01-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I asked for a deferral and time to apply for the California Relief Program. It is so disappointing that SPS is not participating in this program. After waiting for months for this program to open it was disheartening to receive this email : Dear XXXX XXXX Thank you for your application to the California Mortgage Relief Program. We will save all of your information that you have submitted and begin reviewing your case when your mortgage servicer elects to join the program. 

Unfortunately, your mortgage servicer is not currently participating in this program. Because program guidelines dictate that funding for approved applications goes directly to the mortgage servicer, we can not process the application if the servicer is not participating. 

Although we have explored a variety of avenues to encourage all mortgage servicers to engage in the California Mortgage Relief Program, some have not yet taken action to join the program.

It might be helpful if homeowners also send a request to their mortgage servicer to participate.

Below is a sample email you can send to your mortgage servicer asking them to participate in the California Mortgage Relief Program.
Consumer complaint received 2018-05-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2018 I noticed while I was online with my Credit Unions website that a Levy had been placed on my accounts. 
These accounts are with the XXXX XXXX XXXX XXXX XXXX. 
I receive a direct deposit of XXXX XXXX XXXX Insurance payments every month into my main checking account. 
The Levy has been placed on my savings, and my Daughter 's  savings account where I place her child support money into. 
I contacted a person named XXXX in the Collections Dept to ask about this. She did not want to listen that this money is exempt from Garnishments and that they are leaving me NO money to live on and are affecting my child support money. 
I found out from XXXX that the Levy is from Capital One Credit and is for over {$3000.00}. The amounts they have frozen in my accounts are {$230.00} in my savings, & {$500.00} in my Daughters account so far. 
I need this money to live on & pay my bills & support. I get paid once a month on the XXXX and can't be broke for the rest of the month.
Consumer complaint received 2022-01-20
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-03
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. (VA)

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX Account, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX XXXX Account # XXXX, XXXX XXXX account # XXXX and 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2018-02-28
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. (NV)

I personally called XXXX XXXX the first week of XX/XX/XXXX to get the pay off amount on one of my properties at XXXX XXXX XXXX in XXXX XXXX, NV On XX/XX/16 I signed off and XXXX confirmed that on that date the sum of over 93K was wired to XXXX to pay off that mortgage as of today XX/XX/27 I am getting Auto dialers that put me on hold for 3 to 5 minutes at a time all day long I am slammed with Calls, text, fax and emails I know I over paid and I want a refund ASAP Please do not confuse this complaint with previous ones I had 9 years from XXXX while dealing with them I blame even my moms XXXX, XXXX and ultimately even her XXXX on all the stress they put us all trough
Consumer complaint received 2019-01-30
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)

To whom may concern, I would like to know how are you verifying these accounts when there have been several of data breaches with XXXX, XXXX, and others. Due to these breaches I have grounds to class action lawsuits which I prefer just to get the items deleted. Also humans in the flesh can not have accounts ONLY accounts stated and ONLY businesses can have accounts. Please remove these accounts immediately due to they are illegally reporting on to my report. 

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 2019-01-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I've called numerous times. Many of these were removed from my credit and seems to reappear. I've mailed a letter over 40 days ago. When I contacted the customer service department they refused to help me. They advised that I try RESENDING my mail again because they do not have it. They could not offer any more help or advice. They refused to dispute any of the incorrect inquires on my profile. 

XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2019-07-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BCB Investments LLC (IL)

This company has called over and over about a debt that I don not owe. Has called even when asked not to. Threatened to damage my credit and also has not removed it from my credit even though I disputed the validity of the debt.
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I personally called XXXX XXXX the first week of XX/XX/XXXX to get the pay off amount on one of my properties at XXXX XXXX XXXX in XXXX XXXX, NV On XX/XX/16 I signed off and XXXX confirmed that on that date the sum of over XXXX was wired to XXXX to pay off that mortgage as of today XX/XX/27 I am getting Auto dialers that put me on hold for 3 to 5 minutes at a time all day long I am slammed with Calls, text, fax and emails I know I over paid and I want a refund ASAP Please do not confuse this complaint with previous ones I had 9 years from XXXX while dealing with them I blame even my moms XXXX, XXXX and ultimately even her XXXX  on all the stress they put us all trough
Consumer complaint received 2018-06-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Action Financial Services, LLC (IL)

I defaulted on two student loans. I made a payment agreement with one creditor for voluntary payments. Another creditor, Action Financial Services, was threatening to garnish my wages if I did not make an agreement with them. I tried several times to contact Action Financial Services, but the department I needed was never available. I tried to contact them on XX/XX/2018- Phone system was down. Tried to contact them on XX/XX/2018, XX/XX/2018, and XXXX department was not available. I did manage to talk to someone on XX/XX/2018 who stated that they needed proof of my husband 's income. At the advice of a lawyer, he advised not to give my husband 's income because it was not his debt and it was a debt before marriage. On XX/XX/2018, I fax them my financial documents and on XX/XX/2018 my wages were garnished. On XX/XX/2018, I received a phone call from the collector asking about my husband 's financial statements and wanted to come up with a payment agreement. I advised the caller that they were not going to get my husband 's financial information and they are already garnishing my wages, so I was not sure why they were still calling me for payment. I mentioned to the caller that wage garnishment has put my in a hardship and I was looking for a second job. The caller stated that it is federal loans and if I quit my job then they would track me down at my next employer. I was willing to work with them to get a payment plan, but they are difficult to get a hold of and even after garnishment they will still harass you for payment.
Consumer complaint received 2018-06-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: STATE EMPLOYEES CREDIT UNION (NC)

State employees credit Union of north Carolina refused to assist me in dealing with a credit card which was opened and used fraudulently. I was not notified of or provided with statements for this card until i was contacted by phone to inform me of an accumulation of late fees close to the amount owed. They credit union 's idea of a resolution to the issue was to freeze my account with no notice and report me for a blacklist on XXXX.
Consumer complaint received 2019-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On numerous occasions in the past and recently I have had individuals make monthly ongoing deposits into my business account for funds that are due me in my course of business When these individuals have made these deposits at the varied branches The teller whom is accepting the deposits is disclosing my private home address to these depositors when they complete the deposit slip address data I have complained to BofA on numerous occasions that my home address Is private and that they are violating my instructions not to disclose my home address and thus are violating my privacy rights. 
When the teller accepts a deposit the teller is hand writing my home address on the deposit as opposed to my business address on file. They are deriving this home private home address from their banking computer systems. 
All my accounts have the same XXXX XXXX business and primary mailing address with this financial institution none of them have my private home address. All my bank statements indicate only this address as originally set up. 

I have also reached out to the bank on several occasions in the past year about credit card offers that they were also mailing to my home address which I prohibited. They were instructed to cease and desist from that mailing practice which for the most part has been complied with I have digital evidence of the teller privacy violations on recent and past deposit slips. 
The past mailed credit card offers mailed to my home address have been shredded. 

I have spent countless time on the phone with customer service about this privacy disclosure violation and I have visited branches with the credit card solicitations pleading with them to please stop their mailing to my home address practice. 

I have attached just a few of many deposit slips which reflect the disclosure of my private home address in XX/XX/XXXX-XX/XX/XXXX I have also attached a proper slip of which there are many correctly showing my XXXX XXXX mailing address There are numerous others incorrectly and correctly completed There are also past incidents wherein on a personal acct they have also disclosed my private address
Consumer complaint received 2018-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Original account/debt was with XXXX. 
XXXX wrote off account. XXXX had the account with two inaccurate amounts {$160.00} and {$100.00} appearing on my Transunion credit report even though the account was assigned to XXXX XXXX XXXX Client Account # XXXX for only the amount of {$100.00}. XXXX then sold account to XXXX XXXX, XXXX account # XXXX. XXXX   offered me an opportunity of a lump sum reduction of {$36.00} which I paid should be reported as " satisfied in full '' on Transunion report and a letter stating the account was satisfied. 
The paymentTrace number Is XXXX XXXX XXXX. The name of the person who accepted and processed the payment at XXXX was XXXX XXXX XXXX XXXX Ext XXXX. 
I AM asking for help to remove two derogatory and inaccurate marks on my Transunion Credit Report. 
Thank you.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XX/XX/2019, XXXX transferred my mortgage account to another lender. It reported to credit agencies that the account was closed. XXXX did not indicate that it closed the account because its OWN DECISION. 

And XXXX did not report that account was in good standing which it was.
Consumer complaint received 2019-07-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lending Club Corp (VA)

I apply for an on line loan with Lending Club and was approved for an unsecure loan for 35K at a fixed interest rate for 5 years with a payment of {$980.00} by the XX/XX/XXXXof each month. I have been paying on this account for 3 years with a balance owed 26K. Due to high medical cost for my wife and bank fraud on my checking account. I called Lending Club customer service on XXXX XX/XX/2019 after I paid {$980.00} for XX/XX/XXXXpayment. I spoke with customer care representative to explain my circumstances with medical bills and if they had a hardship payment plan they said yes and we agreed to defer XX/XX/XXXXand XX/XX/XXXXpayment and my XX/XX/XXXXand XX/XX/XXXXwould be {$470.00} until I was able to catch up after the medical expenses were paid. I was told I would receive a confirmation email. Never received a confirmation email so I made a follow-up call and was told they did not make such an arrangement. I requested for them to check and see what was documented on my account. She stated sorry there was no documentation so I requested to have a supervisor listen to the recorded conversation and please return my call. I have never received a call from any of Lending Club Managers so I called XX/XX/XXXX, XX/XX/XXXXstill no response on the payment agreement. Later I received a letter from XXXX XXXX XXXX XXXX XXXX to assist with my past due balances they stated I owe {$26.00}, XXXX. My concern is that Lending Club never mails or email out statements so you can track your actual balance so how would know what you actually owe? Now I have a third party involved but never was able to speak with a supervisor at Lending Club to discuss my payment plan and concerns over balance owed to date.
Consumer complaint received 2018-05-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

We have tried to work with Carrington Mortgage to save our home we realized that XXXX was the former owner of our loan and they liquidated through a Chapter XXXX Bankruptcy. We are trying to understand if our home is a part of the liquidation?

Before we got to this status we have submitted payments to Carrington Mortgage and they have sent them back to us.

Recently Carrington sent to us a Loan Modification Package and we completed the application and submitted the requested documents. Documents were due back on XX/XX/XXXX. We submitted the completed application and supporting documents via XXXX onXX/XX/XXXX.

We spoke to Carrington Mortgage today and found that they did in fact receive the documents but they refuse to look at them because it was not with the 32 or 37 days before a sale date to be considered for a workout. We were constantly calling them and not one time did anyone tell us that after compiling documents and sending them by XX/XX/XXXX they were just going to reject all of the paper work and hope of getting our mortgage back on track. We were never told that this information until today.

We are asking for help in acquiring a desired Loan Modification and stopping the sale date scheduled for auction XX/XX/XXXX. Thank You
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (TX)

I sent the credit bureaus a verification letter about some collections that appear on my credit reports. They never reply back to me but I did notice that they took action and they erase debt on some credit bureaus reports and the debt is still in others. 15 U.S.C. 1681s-2 ( A ) ( 1 ) Says : 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. 


Accounts : XXXX XXXX XXXX / XXXX / XXXX Balance / Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX / XXXX Balance / Date : XX/XX/XXXX Credit Collector Serv XXXX XXXX / XXXX Balance / Date : XX/XX/XXXX There's Also some debt that stills shows up on my XXXX report that I would like for you guys to check cause they don't show in my other credit reports. It is hard to provide info about this ones cause they don't show name orita dates.
Consumer complaint received 2021-07-23
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

XXXX  has fail to reply within the 30 days pertaining to the inaccurate information place on my credit report please look into this matter And adjust Accordingly Thank you
Consumer complaint received 2019-09-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Arbor Residential Mortgage LLC (CA)

years ago I foolishly took out a small online loan with XXXX. I repaid in full butt they insisted I owed them more money. I filed bankruptcy and was discharged in XX/XX/XXXXso this should be a none-issue. AMS debt collectors has threatened me by phone three times  today.
Consumer complaint received 2023-06-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (IL)

I called BOK Financial to have my PMI insurance removed from my mortgage as I have 76 % loan to value ratio. The said that I had to have a 2 year payment history but the loan was just started XXXX if XXXX. 

Please help it adds about XXXX XXXX month to my payment
Consumer complaint received 2016-02-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

My bank recently closed my bank account due to an reporting by USAA to XXXX. I got a copy of my XXXX and it is EMPTY. Nothing on there but apparently USAA reported me to Early Warning Services XXXX by in XXXX and I have NEVER even opened a USAA or heard of them. I contacted bank to ask to remove XXXX XXXX report and they said since its from XXXX they ca n't see that far back and that its was written off. They then invited me to open a new account. Please make them remove the XXXX XXXX XXXX report. 

This is making a mess of my financial life. I want to see proof with my signature on it that I opened these accounts. If you can not provide documentation with my signature, I demand these XXXX items be removed from XXXX XXXX XXXX XXXX XXXX. I will be filing a lawsuit in CA court on Tuesday. 

Account # 's XXXX and Account # XXXX
Consumer complaint received 2019-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (MD)

I closed 2 accounts with Wells Fargo bank earlier this year, a checking account in late XXXX and a credit card in late XXXX. After closing the second account I asked the bank to please remove my personal data from their system. They refused stating they would keep the data for an indefinite extended period of time, possibly up to a year or longer ( for tax purposes? ) Neither account generated any taxable events or statements. The checking acct. was a non interest bearing and I never paid a penny of interest on the credit card. On XX/XX/XXXX I received 2 e-mails from Wells Fargo, one updating my online access and thanking me for being a customer and the other for a rewards program I am not enrolled in or eligible for. As a victim of several major data breaches including the XXXX breach of more than one billion users and the government 's OPM  data breach I find it very troubling that a major bank can keep my personal data for an extended period of time after I am no longer a customer. I did talk to a manager about this and she seemed to believe they could keep my data in their system as long as they wanted. I also find it disturbing that I am receiving e-mails that could be viewed as misleading or fraudulent more than 6 weeks after I closed both accounts.