davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fay Servicing, LLC (CA)

This is the second complaint I have filed with no resolution. I have tried reaching out to the compnay many times, and the few times I have spoken with them they have said the problem was resolved. I have logged into my mortgage portal and this is not the case. My mortgage is off, they are making partial payments on my behalf, and have not issued a refund of escrow shortages that was done on the XXXX. My credit is being affected and there has been no resolution. I need help with this ASAP. The attachment shows they are giving me late fees that are and should not be impossed, also you clearly see the credit was issued by the last carrier of the loan. What the XXXX is going on here
Consumer complaint received 2022-04-04
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. (FL)

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 2019-04-11
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: Bread Financial Holdings, Inc. (FL)

I have reported fraudulent, unauthorized international and local charges made to my credit card, however, it has been over four months and the charges still remain on my account and are incurring interest charges daily. Although the credit card company ; XXXX XXXX XXXX has issued me a new card, the charges still remain on my account. I've sent them an email, I have spoken to customer service several times but nothing is being done to resolve this issue.
Consumer complaint received 2018-02-22
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. (FL)

I have tried to dispute this item that continually reports and shows on my credit reports and it does not belong to me. I have never seen this account before and it just mysteriously appeared on my credit showing as a new credit line with a current date. I have contacted all three credit reporting agencies and they have yet to remove this erroneous error from my report. It is listed as XXXX XXXX XXXX   collecting for a company called XXXX XXXX XXXX. I have never even heard of this company and with this derogatory mark sitting on my credit reports, it is inhibiting my chances of purchasing a home because of my score. Please help! 

Original creditor : XXXX XXXX XXXX {$250.00} XX/XX/2017 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information
Consumer complaint received 2017-01-09
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (CT)

Select Portfolio Servicing is supposedly the servicer on an alleged loan. Whether there is a loan or not is not at issue here. On XXXX XXXX, XXXX, SPS modified said loan on behalf of the " owner of the note ''. At the time, this was supposedly some version of a XXXX Bank XXXX. On XXXX XXXX, XXXX, some random company called XXXX sent a letter stating SPS was actually the owner of the note. I would like to know what exact insurance payouts were made on this account please by whatever 3rd parties or government entities may have insured the note, mortgage or related documents. I would also like to know if TARP funds were used towards any portion of this account please.
Consumer complaint received 2018-02-22
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: Monterey Financial Services LLC (FL)

In 2015 I attempted to purchase a Time Share from XXXX XXXX in XXXX XXXX. My husband and I traded in our time share to XXXX XXXX for a XXXX trade in price. I started to get bills from our ( thought traded time share XXXX XXXX ) we found the time share had not been in fact purchased By XXXX XXXX and that we still owned the one we thought we traded. We were told the developer at XXXX XXXX was not able to purchase our time share because of inventory issues. Shortly after we stopped paying maintenance fees on the new time share because we don't own it. I received a call from from Monterey Financial a collection company in California ( who has assumed our debt ) telling us that we did not have an agreement for a trade and that we owe for both time shares. Monterey is in California and XXXX XXXX is in XXXX. Out attorney sent Monterey and XXXX XXXX a cease and desist letter. We then had our attorney file on our behalf a letter asking XXXX XXXX to remove it from my credit report since we were in litigation. I submitted three disputes and they came back with a response that the collection " had been verified '' I attempted to submit a letter to the credit bureau and it will not allow me to dispute the issue as it states I have submitted a dispute in 120 time frame. I explained to XXXX XXXX it is severely damaging my credit. They refuse to remove it. Monterey Financial only called me once and immediately put me in collections. Their practices are unlawful and I reserve the right a consumer to have fair reporting. They are not reporting it honestly, it affected my car rate and it is affecting my credit reporting score.
Consumer complaint received 2016-10-29
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL (CA)

I had bought XXXX items on promotional interest rates from XXXX which is Synchroney Bank. Well all the payments I have made to them none of the money has gone towards the promotional balances. The representative informed me that I was billed {$210.00} interest from XXXX of the promotions expiring & if I wanted any of the payments I had made to go towards the promotional balance I would of had to specify at the time I made the payment which was done through the automated system because if you do a payment through the representative it will cost you an extra {$10.00}!!! It also DOES NOT give you any option to allocate where your payment will be applied over the automated system which of course that 's what I use because it 's FREE!! They are horrible!! The customer service team hung up on me while I was trying to plead my case against the {$210.00} interest tacked on to my bill because they were n't applying my payments to that promotional balance! Then when I called back they kept me on hold 20 min. Horrible Horrible Company!! I cancelled my card since then & will never do business with them AGAIN!!
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I don't know what's going with Equifax but the more I pay off my debts the more my credit score drops. I have tried to contact Equifax but they just put you on hold or the person has no idea what's going on. My XXXX and XXXX credit score is just about the same but Equifax is way off the chart my score has not move in months how is that so. Equifax if you have an issue let the public know because it is preventing me from purchasing my first time home.
Consumer complaint received 2019-04-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ERC (OH)

XXXX Our bank XXXX contacted my business to say a suspicious check was presented. Our business name was not noted just our account and routing #. 

The check was being requested FROM XXXX XXXX and made out to ENHANCED RECOVERY LLC XXXX FL. 

I called ERC to ask why they were trying to withdraw funds from our account. I spoke with XXXX XXXX XXXX XXXX XXXX She acted confused for apprx 20 minutes then finally admitted someone was trying to pay off their account with OUR bank information. She would not provide any further details. She asked me to contact the police. I am in OH they have no jurisdiction in Florida..I  'm sure she's aware of that. Her behavior was very suspicious. 

She gave me this reference # XXXX Is there any thing else I can do.
Consumer complaint received 2017-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Back in XX/XX/XXXX I filed a complaint against Bank of America to get loan assistance. The case number is XXXX. I was able to get a loan modification after I filed the complaint which started on XX/XX/XXXX. The loan modification specified for me to make 3 trial loan payments which decreased my payment to {$670.00}. The three trial payments were to be madeXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I just found out a week ago ( after making the first trial payment ) that my loan has been sold to XXXX XXXX XXXX. Right now, XXXX XXXX XXXX has no record of my loan modification. I spent over 9 months working with Bank of America to get the loan modification approved and wrote to the CFPB and they ended up selling my mortgage loan. I am highly disappointed and upset that this happened. I spoke with several representatives at Bank of America that advised me that I would not need to make any loan payments for my regular loan amount of {$810.00} while under the loan modification trial period. They advised me that the past due payments would go to the end of the loan once the trial period was over. I would like my trial loan modification to be transferred to the new loan under XXXX XXXX XXXX. The new loan account number is XXXX.
Consumer complaint received 2018-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

XXXX ( Fedloan ) owes me {$38.00} for overpayment I made when paying off my student loan. You have until this Friday to XXXX me my check or you are getting a greeting from the State of California. You and I are still not done. 

When I said I would stay on your XXXX until the very end. I meant it. 

Thank you for my final payment notices, now give me my money you XXXX XXXX XXXX 

I should tack on compounded interest daily, should I make it {$100.00} for non- payment, you are two months behind.
Consumer complaint received 2022-04-04
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 
The credit inquiry is from CAPITAL ONE BANK US on the date XX/XX/XXXX. And it is on all three credit bureaus XXXX, XXXX and XXXX AT THE SAME TIME. So technically three inquiries. 
I am a dual XXXX -American citizen, have been outside the country working for the last 10 months ( and have solid proof of that ; Airline tickets, Passport stamps, employment records ). 
I have not applied for anything with CAPITAL ONE BANK USA, do not recognize their inquiries and in no way authorized them to pull my credit report. 
I have also reached out to them asking that they remove the inquiries from my credit profile, they have been no help, kept passing me around in their departments and occasionally hung up on me. 
There is no accountability or order in their company it seems. 
These credit inquiries are completely unauthorized and should be removed from my credit reports according to the Fair Credit Reporting Act.
Consumer complaint received 2018-02-22
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. (FL)

I have tried to dispute this item that continually reports and shows on my credit reports and it does not belong to me. I have never seen this account before and it just mysteriously appeared on my credit showing as a new credit line with a current date. I have contacted all three credit reporting agencies and they have yet to remove this erroneous error from my report. It is listed as XXXX XXXX XXXX   collecting for a company called XXXX XXXX XXXX. I have never even heard of this company and with this derogatory mark sitting on my credit reports, it is inhibiting my chances of purchasing a home because of my score. Please help! 

Original creditor : XXXX XXXX XXXX {$250.00} XX/XX/2017 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information
Consumer complaint received 2022-04-04
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (NM)

BSI financial did not pay my property taxes in XXXX causing me to come out of pocket to avoid penalties. I contacted them at the time to request a refund, was told it was processing, and never received any follow-up or the refund check. 

My next property bill is due XX/XX/10 so I called them to ensure my bill gets paid on time. The representative was rude and dismissive and told me they would send the check XX/XX/10 which is the last day of the grace period. I verbalized thats unacceptable and will cause me to be charged late fees if they wait until the end of the grace period to pay and he continued to dismiss me and insisted they could not send a check by the real due date and they only pay at the end of grace periods. I reminded him they never paid at all last time and Im trying to prevent that from happening again and he dismissed my concerns yet again. 

The bill should be paid by the actual due date, not the end of the grace period. If I wait until the last day of the grace period like they instructed me to and they fail to pay my bill yet again, I will have to pay out of pocket and get slapped with penalties. This company is notorious for mismanaging escrow accounts. Please help.
Consumer complaint received 2019-04-16
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Caliber Home Loans, Inc. (MI)

I paid my mortgage payment on time in the beginning of XXXX and my payment was not processed. I was forced to pay my payment 3 times in order for it to show with Caliber home loans. My loan # is XXXX and the ph # is XXXX. The payment finally posted in XXXX and now I have a 30 day late on my credit report. I have email confirmations of when I paid the payments. All I ask is the deliquency be removed off my credit report.
Consumer complaint received 2023-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ResidentCollect, Inc. (FL)

Innovative Recovery ( " IR '' ) posted an incorrect debt to my credit reporting. I contacted them with their information from credit reporting years ago and learned that it was related to claimed rent for a month post my move-out at XXXX Apartments XXXX I contacted XXXX Apartments and provided them with the email correspondence with the prior property manager confirming my move-out dates and that my account had no amounts outstanding. I never received any communication from XXXX and the first time I became aware of this debt was as a result of a decline in my credit score where IR reported an incorrect debt owed. XXXX told me they could not do anything about it, since they already turned it over to IR and I needed to work with IR. I contacted IR again and provided them with my supporting paper trail via email. They proceeded to call me several times requesting payment and threatening the impact to my credit report. I explained to them several times they have an incorrect/invalid information and provided them with supporting documentation and they've ignored it. I've disputed with all of the credit agencies ( including providing my documentation ) and they've told me that IR has certified in their response that it is valid and therefore since it is certified they need to keep it. This is absolutely ridiculous that simply just saying " valid '' in an electronic response is an acceptable basis for a collections agency to operate. A grave injustice has been done by this Company and my supporting documentation has been ignored and continues to be ignored. I have no history of a single late payment nor any debt collection. I am responsible with my credit, as demonstrated with my long history. This situation has impacted my access to credit and the rates at which I am being provided debt ; and with a collector reporting incorrect information and telling me they will only remove it if I pay something that I do not owe, this is just an unacceptable business practice. This was showing up on the report of my ex as well and they bullied her into paying half, which she needed to get this removed from her report to apply to law school. I am seeking help to remedy this situation. They must be doing this to other consumers as well and this should be investigated and put to a stop. Any help you can provide would be very much appreciated.
Consumer complaint received 2023-02-07
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: Spring Oaks Capital, LLC (GA)

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (CA)

I have contacted this company through the credit bureaus multiple times to have this unverifiable account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.
Consumer complaint received 2022-04-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MA)

Please see attached letter from JP Morgan Chase Bank, NA it mentions two things I have not addressed which is first, the date Chase states I stopped making payments. Let me clear this up. On XX/XX/XXXX My document expert proved with the 183 5B affidavit that Chase ( does have in its possession ) that not only the Mortgage AND the Promissory Note are PhotoCopied but are as well as being Forged. Once I got this proof of fraud my last payment into this fraudulent and predatory alleged loan was NOT on XXXX of XXXX as Chase states in the letter. ( see attached )!!! In fact at the very time of the document experts affidavit of fake documents I did in fact on XXXX of XXXX stop paying on this fake/predatory alleged loan AFTER I got this Evidence of Fraud on XX/XX/XXXX. Second issue to address here is that this letter also states that Chase is transferring my property ( or abandonment-This Never happened ) Neither are true. I have been living in this property since XX/XX/XXXX and have NO INTENTION of moving out. It is my ONLY home of XXXX yrs. I am XXXX yrs old, XXXX, indigent, high school only education and recently had XXXX XXXX. I NEVER ABANDONED MY PROPERTY NOR DO I AGREE TO ANY TRANSFER OF IT!!! I DO NOT AGREE TO ANY TRANSFER!!!! More lies by Chase to try and steal my home for profit illegally. I have paid XXXX since XXXX on a {$72.00} predatory/fraudulent alleged loan. This is near 3 Times paid off and because it is fraud I WANT ALL MY MONEY BACK SINCE XXXX including all of the fake fines, fees, charges, interests, and etc.. charged me illegally.
Consumer complaint received 2024-04-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (PR)

Worst experience ever Worst experience ever. I moved to XXXX XXXX and they would not close my business account over the phone. So I have to fly back to Florida to do that. This is after a representative told me it was okay to close my account over the phone. They are not consistent with there policy 's. One representative will say you can do something and the other will say you can't. I closed business account with other banks over the phone no problem. This bank is incompact. I wonder how they manage peoples money. 

Date of experience : XX/XX/20XXXX XXXX
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (GA)

Pursuant to 15 USC 1602 ( p ), American Express has exercised unauthorized use of my open end credit account, and restricted spending on my open end credit account without my consent to decrease and restrict my limits.
Consumer complaint received 2022-04-04
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: EQUIFAX, INC. (IN)

I reviewed my credit report and checked that I had an inaccurate account that needed a positive and quick response. There is a discrepancy on my credit report and the balance on the account is inaccurate and incomplete. I am consumer by law and my information was misused. I listed below the item with discrepancy that indicates the company name, balance and date of last reported : XXXXXXXX XXXX XXXX XXXX