davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

I have a mortgage loan with Specialized Loan Servicing ( SLS ). I sent in a loan payoff in XX/XX/2020. SLS confirmed receipt but never paid off my loan. The funds were not applied to the loan balance. I called customer service numerous times as I was still receiving statements in XX/XX/2020 & letters with a mortgage balance. It is now XXXX & after numerous calls to customer service, I received an update on my credit history showing that SLS reported a delinquent account. How can I be delinquent when the loan was paid off in XX/XX/2020? SLS failed to process the loan payoff in XXXX. My credit needs to be corrected & I want evidence/confirmation that SLS corrected it. I have excellent credit - over 800 credit score.
Consumer complaint received 2019-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY (FL)

I opened an American Express account in XXXX of 2018 that allowed for a balance transfer of 1 year with no interest. I tried to Initiate a balance transfer from one of my XXXX credit cards to Amex. I noticed that I had an Amex bill due the following month but my balances on the chase cards never decreased. I called chase and they were showing any transfer made and suggested I call Amex. I called Amex and to create a case and have followed up with them twice since and was told I would get a response at the end of XXXX. I have had no response since and am paying a bill to Amex over a transfer that was never completed. Please can someone help me get this completed.
Consumer complaint received 2016-02-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NJ)

I asked to apply for XXXX for my private loans since my federal loans were dismissed and they customer service from Navient stated he would send me the documentation to fill out. Since that call I have not received any letter. Just been receiving continuous calls from XXXX to XXXX Monday through Sunday on multiple numbers. When I spoke to one representative I guess they do n't annotate the call and I get atleast 8 to 10 more calls after. Another issue is that they have n't sent me the paperwork I requested and said that the XXXX paperwork will be DENIED automatically. This harassment must stop I told them many times if I could work to pay it off I would but I am a XXXX veteran who is still dealing with medical issues.
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: Experian Information Solutions Inc. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

To whom it may concern, I am writing in regards to my late payments on my credit report from dates XX/XX/15-XX/XX/15 for my SYNCB/WALMART account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payments because it was my first year away at college. I was waiting on financial aid to come through. Now unfortunately there was an issue with receiving my aid which was not received until much later because of that I was forced to live off my small savings that I accumulated from working the summer prior. Since then, the debt has been paid off and satisfied by the creditors. I did not at the time have a real comprehension of how credit cards worked and I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. Since these mistakes I have a perfect record of on-time payments.
Consumer complaint received 2018-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX PayPal allowed XXXX ( nurse ) claim # XXXX to charge my PayPal credit account without permission during the act 's of another authorized transaction which three days later after the agreed amount paid of over XXXX dollars the company transpired to extort more money out of and I was unaware of an additional charge made until after 4 days of the company telling my money would be returned. I contacted PayPal and the money was returned but filled for fraud on the {$38.00} but the agent documented the account as not as described. I got a response from PayPal per merchant service render on XXXX XXXX I was told the filling status which limitation corrected to unauthorized within 24 hours a response from PayPal was denied due to many unauthorized transactions from the same merchant that's all on PayPal account. Some however PayPal ALLOWED this merchant to access all of my credit cards listed on PayPal profile. However, PayPal states the merchant never get your credit card info but XXXX was the first to notify PayPal of the fraud then PayPal notified me to check all my accounts listed on PayPal.  XXXX  ( nurseessay ) has a listed business address in Texas however, the address is a residential with a new owner since XXXX. The business is not listed with the Texas Secretary of State or the IRS. The business phone number continues to ring with no answer but, PayPal continues to allow this merchant to use and abuse customers by lying and stealing. PayPal states no third party access my account because the IP address showed to be used by me but, how did the Company steal money using my IP and Log in
Consumer complaint received 2022-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (VA)

The XXXX XXXX pursued a debt of {$1000.00} associated with a XXXX XXXX account that has never been associated with me ( I have never entered into any contract with XXXX XXXX ). I received notice initially on XX/XX/2022. 

I mailed a letter via registered mail ( sent on XX/XX/2022 ) requesting that they provide me with proof that the debt belongs to me or cease attempts to collect. 

Since then, I have received a letter from MRS BPO trying to collect on the same debt ( received XX/XX/2022. Date of the letter specified as XX/XX/2022 ). My understanding is that it is illegal for them to sell debt that is currently disputed.
Consumer complaint received 2022-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo did not remove the PMI from the mortgage payment when the loan hit 78 % of the original value. When I spoke to them about it, we were already below 75 % of the original value. They then refuse to reimburse the monthly payments they had been charging since the loan hit 78 % XXXX.
Consumer complaint received 2019-08-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (PA)

This month it attached to my credit report and I never got or had anything from them and I was notified that my I'd may have been compromised and to watch for any new accounts to pop up that I am not aware of. No one has made contact other them darastically lowering my credit for a debt I don't owe.
Consumer complaint received 2022-04-04
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. (MI)

On XX/XX/2021, XXXX XXXX XXXX XXXX XXXX issued a 1099-C for a charged off loan I had in the past. According to the 1099-C I am no longer responsible for this debt and is is considered resolved and unable to be collected upon. This also means the account must be deleted from all credit reporting bureaus. Please do so immediately so this can be resolved. I have attached the issued 1099-C.
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I have spent months providing Select Portfolio Servicing with requested documentation pertaining to my deed of lieu we agreed upon. Today I have received a letter stating that my loan is to be restarted. They are requesting information I have already provided to them. Instead given me the answer to their decision regarding my deed of lieu. The process abruptly restarted all while I am communicating with them asking for more time to contact my daughter to get the new unexpected documentation. In the intervening period of time, I send the new requested documents on my behalf. This whole conversation has been recorded my both SPS and myself. 

XXXX XXXX, 2016, I received the first Mortgage Statement in a year, shortly I received another letter dated XXXX XXXX, 2016, stating " the mortgage servicer on the above- referenced account, received your inquiry regarding a possible mortgage workout plan. '' The whole statement above is a lie. I allowed Select Portfolio Servicing each time they requested to record our conversation so that I could put on my speaker phone on to record them as well. I have recorded our communication for the last year. I have dates, times, what was said according to our stated agreements XXXX XXXX, 2016, at XXXX I requested the status of my deed of lieu, I was told that my request was still being investigated for a ruling. 

Below are the dates and time I recorded my deed of lieu conversation recently with Select Portfolio Servicing. 
XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX ) XXXX XXXX, 2016 ( XXXX )
Consumer complaint received 2017-06-22
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tribal Lending Enterprise, Inc. (MS)

XX/XX/2017- Turned my debt over to XXXX XXXX XXXX ( Debt Consolidation ) XXXX XXXX sent my Power of Attorney and Cease and Desist letter to XXXX XXXX but they continue to call my work repeatably. They may call my cell phone but not my work place. Last Call XX/XX/XXXX XXXX XXXX central XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

MY MONTHLY MORTGAGE PAYMENTS TO XXXXXXXX XXXX IS SENT BY BY BANK XXXX XXXX. THESE PAYMENTS ARE SENT ON TIME FOR CREDIT IN THE MONTH IT IS DUE. I RECEIVE AN EMAIL FROM THE BANK THAT MY PAYMENTS FOR XXXX, XXXX AND XXXX, 2023 BEFORE THE END OF THE CURRENT MONTH. 
AS A RESULT I DISPUTE THAT I WAS LATE.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I was with JP Morgan Chase Bank since XXXX. I have multiple accounts with Chase bank, including a savings, money market, my XXXX XXXX XXXX, and a XXXX XXXX XXXX XXXX XXXX XXXX where she receives my fathers XXXX VA benefits. I have direct deposit from my employer go to this account and am not overdrawn or having excessive ( more than 1 in an 12 month span ) overdraft fees. Suddenly, on XX/XX/XXXX I received a text from Chase Fraud saying they needed more information about 4 of my accounts, or they might be closed. Within 2 minutes of receiving the text I called the number from my mobile app and was instructed my primary debit card was closed. I immediately drove 10 minutes down the road to a local Chase branch where I was told they simply needed to verify my identity, then they informed me my accounts were all restricted and would be closed within 10 business days, and I was not allowed access to my funds at all. I asked multiple times why my accounts were being closed, with no answer whatsoever. I spoke to multiple people, including a XXXX in Texas, XXXX in branch complaints and have been told I will Never get answer. I was told my direct deposit would be returned the next day to my employer, it was not returned, but they refused payments on multiple accounts that were on automatic withdrawal, while funds were still in the account. They refused to grant me access to my funds. They finally allowed my mother to get her funds, but did not allow my son to access his funds when he is away at college more than XXXX miles away with no access to money. They refused to give me a tracking number on the checks they supposedly sent, they cant even give me a timeframe of when I should receive them past 7 business days. Im being treated like Im a criminal when I have done nothing wrong. When I have asked repeatedly what happened, if there was fraud on the account, if there was cause on their part, when I asked if it had to do with the hack that happened with XXXX XXXX XXXX  the month prior, I was stonewalled and told I will Never be told the reason for the closure and they dont ever have to provide a reason. I believe this is is discrimination.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2020-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Revco Management, LLC (FL)

TODAYS XXXX ATTENTION DISPUTE DEPARTMENT Revco Solutions Fka Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Revco Solutions Fka I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX CT, XXXX XXXX, FL XXXX
Consumer complaint received 2015-09-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (CA)

On XXXX XXXX I received a letter from first national collection Bureau located in XXXX Nevada their phone number is XXXX they have a reference account number of XXXX XXXX XXXX XXXX I contacted them and representative explain to me the debt is from 1995 I explained to her that I never had a credit card with XXXX she then hung up the phone
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I been trying to dispute everything that wrong even name is wrong transunion account are not accurate I do not owe for any vehicles they were voluntary repossed Somethig was wrong with the vehicles I do not owe any of that the balances is wrong and united auto credit that vehicle is paid off you all need to delete Iam tired pof disputing and nothing is happening if I need to get a lawyer I will ist is falsify false info that's preventing me from getting a home as well as a bank account this has destroyed my life literally At first the social security was wrong then fixed IM tired of paying people to dio job and its not geting the job done Iam a XXXX  XXXX woman its hard being XXXX as it is and deal with y'all study putting false balances and information on my credit running hard pulls is messing up my whole life Iam tired Question I do I sue the credit beaurus or can y'all fix it
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Bank, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX the following accounts listed below 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 XXXX ( original Creditor ; XXXXXXXX XXXX XXXX XXXXXXXX ) Account # XXXX, has violated my rights XXXX. XXXX, XXXX ( original Creditor ; XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 
XXXX XXXX XXXX ( original Creditor ; XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX. XXXX, XXXX ( original Creditor ; XXXX  ) Account # XXXX, has violated my rights. 
XXXX. XXXX, XXXX ( original Creditor ; XXXXXXXX XXXX ) Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (KS)

I was contacted on about XX/XX/XXXX with regards to a hospital edebt in another state. After speaking with the person on the phone it was determined that I was not the person that incurred the debt and was asked to write a letter stating that information. On XX/XX/XXXX I received several credit alerts stating that a Derogatory Account had been posted against my credit report with both XXXX and XXXX. I have disputed the account with both credit agencies and attempted to contact someone from the credit collection agency but have not received a response. 

My credit agency account has had an " Alert '' for common name placed ion the account since XX/XX/XXXX, whem I contacted XXXX they confirmed that my account is STILL noted with the following note ( paraphrased ) " Fraud Alert : Common Name verify identity prior to granting credit or reporting on this account ''. 

This collection company has failed to do that and posted a derogatory report against my credit anyways and has made no additional attempts to contact me, even though my credit report phone and addrerss are 100 % correct and have been since XX/XX/XXXX. 

The name of the company is Professional Finance Company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX ( XXXX ) XXXX
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Bank, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX the following accounts listed below 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 XXXX ( original Creditor ; XXXXXXXX XXXX XXXX XXXXXXXX ) Account # XXXX, has violated my rights XXXX. XXXX, XXXX ( original Creditor ; XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 
XXXX XXXX XXXX ( original Creditor ; XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX. XXXX, XXXX ( original Creditor ; XXXX ) Account # XXXX, has violated my rights. 
XXXX. XXXX, XXXX ( original Creditor ; XXXX XXXX  ) Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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