davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

This complaint is about the SPS mortgage and is based on the denial of a loan modification without any financial documentation being requested as to the amount of mortgage payment that could be afforded based on the income, as well as the appraisal value as per SPS own appraisal of {$190000.00} for the past two years, and the current mortgage payment of of {$1800.00}, based on the loan amount of {$460000.00}. Instead they approved a repayment plan which is much higher than the current mortgage. 

I was behind on monthly payments and to avoid foreclosure I applied for a loan modification on property.In XX/XX/2016 under the Dodd Frank Home Affordable Program. SPS modified the loan and increased the mortgage new principal with a total of {$460000.00} with a new principal balance. I am having some difficulty in paying the mortgage of {$1800.00}. 

I recently requested a loan modification due to the past due mortgage payments and was instead given a higher payment {$2400.00} of a repayment plan and not a loan modification. 

SPS did not request any employment or financial information in order to qualify for a modification. However, a repayment plan was offered which I rejected, as it increased the monthly payment from {$1800.00} to {$2400.00}. The banks recent appraisal provided the value of the home at {$190000.00} which has been the same for the past three years of SPS appraisal. The mortgage loan for SPS is currently {$460000.00}, proving a significantly under water mortgage. 

I am unable to refinance this mortgage and there is a second mortgage of {$85000.00}. No one will refinance this underwater property. In SPS repayment with the terms, states the investor ( I dont know who it is ) will  not consider a loan modification. I now owe more than the original loan as prior to my modification in XX/XX/2016 and is facing foreclosure. I've tried to keep up with these payments, but is struggling to pay this mortgage on an underwater property with negative equity, that cant be refinanced, or sold due to it being severely under water. 

SPS has their appraisals and is quite aware of the lack of equity in the home and that they will not get more than their appraisal of {$190000.00}, but much less. It needs a roof, as its leaking and now creating moisture and mold throughout the home. 

The house also has a second mortgage of {$85000.00} plus SPS mortgage of {$460000.00} for a total of {$550000.00} with SPS BPO of {$190000.00} and with a shortsale of {$190000.00} has a {$350000.00} negative equity. However, with a roof and mold issue, makes it less than the appraised value of {$190000.00}. The mortgage is unaffordable and the property has a negative value and is underwater.
Consumer complaint received 2021-04-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FlexShopper, Inc (NY)

This complaint is in regard to intentional deception and fraud activity by XXXX XXXX XXXX, XXXX XXXX XXXX, NY. XXXX adopted the policy of deceiving and giving false information to the costumers to open credit line with XXXX, while contracting with another debt collector company with 25 % extra hiding fee. 
On early morning of XX/XX/XXXX I went to XXXX to buy 1 front passenger tire due to bad alignment. When the sales person insisted they have special promotion for 4 tires, eventhough I have replaced them in XXXX. He broke down the number with coupon and added unnecessary items every couple of minutes. During this time I asked about the price he told me more than {$1000.00}, and again he insisted XXXX has it's own plan & I will pay within a year, As it shows on the statement I was going to pay cash, but he asked for my credit /debit card information and business checking information and all the details and put me on the phone with XXXX Credit card center. He got access to my phone to downloads the XXXX App to use it for future payments. He also told me I will receive the statement in 90 days. After almost 6 hours in the store I got the car back. I tried to log into the App within a week for payment without any success. since I haven't received any statement to pay the balance I called the store couple of times to talk to the sale person but he wasn't there. ( I found out he left the company permanently ). I believed XXXX charged my XXXX Card, since I did not received any XXXX credit card. On my XX/XX/XXXX XXXX account statement I noticed weekly withdrawal of {$39.00} from my business account by XXXX XXXX as early as XX/XX/XXXX for over {$1000.00}, and since the balance was less than {$3000.00} I was charged with late fees {$18.00} for several months. Since I didn't recognized the charges I asked the bank to put hold on the payment. Per Bank policy I called XXXX XXXX when I was told they are collection agency for XXXX Tire! and they are charging me 25 % fees. Eventhough there was not any issue of late/ unavailable fund. Since then I'm getting numerous threating text massages as well as phone calls that XXXX XXXX is going to seize their property ( tires )! I have never been informed that I have leased the tires, neither knew the XXXX XXXX. This case damaged my credit report and my business reputation.
Consumer complaint received 2023-08-17
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is my complaint about CAPITAL ONE. I accept that my data is being abused and detailed as wrong. In my credit report from XX/XX/2023, I discovered some slanderous things that I didn't know about. I found late installments which never occurred and accounts with mistaken data, like installment history, status, balances, and date of last action. As per 15 U.S.C. Area 602 and 15 U.S.C. Segment 604 A Part 2, I have the right to protection and a buyer revealing office can't outfit a record without my composed directions.
Consumer complaint received 2021-04-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (CA)

I did what the company has asked me to do to unlock my account, now they are completely silence again, no response, no update and my account is still locked. As a reminder, this is their fault to begin with to lock my account WITH NO REASON whatsoever.
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC (TX)

XXXX  XXXX XXXX is reporting fraudulent information to early warning services. when I disputed the matter instead of investigating it I was told that the information was accurate but was never given any type of proof to show though I requested it. When I contacted XXXX XXXX XXXX the fraud department told me that they only showed that my account was closed due to an overdraft, another guy left a voicemail telling me that they could not verify that it was me making the complaint.
Consumer complaint received 2019-09-12
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (TN)

On XX/XX/XXXX, I received a copy of my credit report from XXXX credit reporting agency. That report stated the following, which was furnished by Ad Astra Recovery Services , Inc. of XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX, Kansas, XXXX. I proceeded to dispute the item. Upon completion of the dispute no changes were made to my report. On XX/XX/XXXX, I disputed the inquiry once again for the inaccuracy. Under the federal Fair Credit Reporting Act ( 15 U.S.C. section 1681 and following ), you are obligated to investigate requests within 30 days, and promptly give credit reporting agencies correct information if you find that information you have reported is incorrect or incomplete. This derogatory mark is wrongfully damaging my credit tremendously.
Consumer complaint received 2021-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I XXXX XXXX, sent a letter regarding inaccurate, unverifiable and unknown items on my credit report on XX/XX/2020. To date, it is 60 days later and I have not received a response yet. I am now starting to feel like my disputes are being neglected and I am being taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days and I am demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2020-02-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (GA)

I closed on a mortgage with Ameris bank in XX/XX/2019. I have no access to my transactions online or via telephone. I received notice that Ameris did not pay my City of XXXX taxes for 2019. Also, I have not received a form XXXX for 2019 or any statement of my account. I have tried calling, but they can't find my information.
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (TX)

XXXX, Received a Visa pre-paid gift card in XXXX from this company that charged a XXXX $ monthly service fee starting at " activation. '' The deceptive component to this is that I did not activate the card until trying yesterday. I discovered that the card was activated upon purchase unbeknownst to me because I didn't even take it out of its card board packaging therefore I didn't notice the sticker with fine print stating the card was activated already. 
This is the first and only time I have experienced a " pre-activated '' visa charge, debit or gift card and always in the past having to physically make the call for activation. 

Then on the back side of the card and in even smaller print is a notice that a XXXX $ fee for " inactivity '' will be deducted from the amount of the card monthly even though the expiration date of the card is another 5 years away in XX/XX/XXXX. 

Seems deceptive and illegal.
Consumer complaint received 2018-12-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MO)

I opened a new account with Citi Bank using a {$400.00} bonus offer. During the account set up procedure a security issue ( on their end ) resulted in a delay in the account being funded. This was going to cause me to potentially miss the funding deadline to receive the bonus. 

I contacted citi bank support and was told that it should not be a problem. The issue could be addressed if I called in at a later date and explained the situation. The bonus could then be applied. 

I waited a couple of months and then contacted phone support. At that time I was told that it was too early to verify whether I had met the bonus requirements. 

A month or so later I contacted support through chat. This time I was told that the bonus had been applied. 

About a month later I received an email stating that my bonus had been denied. I contacted support and explained that two previous agents and said the bonus would be applied. I was told that when they checked my account an investigation had been started 90 days before, but a new one would have to be started that could take an additional 90 days. 

At this point, XXXX  has held on to my money for longer than required to receive the bonus. Had support told me from the beginning that I was going to be ineligible for the bonus, I would have closed the account and moved the money somewhere more useful. However, because XXXX  support advised me that the bonus would be forthcoming I left the money in place. I'd like to move the money if the bonus is not going to be awarded, but I'm stuck in limbo because of the additional 90 days of investigation.
Consumer complaint received 2023-03-09
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. (NY)

A XXXXXXXX XXXX  card was opened under my name on XX/XX/2022. I have never authorized or made any transactions or applied for any type of credit with XXXX. According to the credit bureaus, the card in question was opened with a $ XXXX limit, used once for {$99.00}. When I received the alert, I called XXXX and they cancelled the card but this item was never removed from my credit report. I am a victim of identity theft and I need this investigated and corrected as soon as possible.
Consumer complaint received 2021-07-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

Right before Covid, XXXX XXXX sold our loan to Rushmore lending the date of the transfer was XX/XX/XXXX. Shortly after this the Covid crisis began and NJ as a hard hit state and was closed down. We are self employed and run a small family business. the effects of the shut downs have been crippling. Rushmore XXXX seemed to be great with their forbearance program and was easy to work withIt was our belief that we were in the deferred payment option. And it is clear that a portion of our forbearance was in fact put on the end of our loan. However my complaint comes from the sale of my mortgage loan from Rushmore XXXX to XXXX XXXX. During the month of XX/XX/XXXX I was in touch with Rushmore XXXX that we continued to be in forbearance. Notifications came to say that Rushmore XXXX was selling the loan but would continue to service it. So in the sale of my loan somehow my deferred payment option was only for the first portion of forebeafance. So XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were put on the back end of my loan but XX/XX/XXXX forward are not. It is clear to me that there was an understanding with the Rushmore XXXX initially. However when XXXX XXXX took over the loan it started the following problems. I am now in receipt of an intent to foreclose for the months of XXXX XXXX XXXX. I dont understand why those payments are now trying to be collected as a full payment and not on the back end of the loan like the others and why we have an intent to foreclose for the forbearance amount in full with no other options.. I obviously stated to Rushmore in the beginning that we were expecting to have a deferred payment option which was done for a short portion of time. At the time of the transfer/sale of my loan it was still in forebeafance. So while my biggest problems arise with XXXX XXXX had my forebearance deferred payment option been properly handled by Rushmore Lending I would have started on the right track with the new company and not been automatically pushed into a foreclosure track with no other options presented to me. We are still not sure why we were not offered any options to avoid the intent foreclose with XXXX XXXX but that clearly is another complaint with their company. The sale of my loan from Rushmore to XXXX has been a horrible experience. I would have expected to start with a new company with the same understanding of what was previously understood with my account deferred payment option. Rushmore XXXX should have finalized these arrangements prior to sale. There is no explanation forthcoming from XXXX XXXX as to why these terms were not honored nor have they offered any other options.
Consumer complaint received 2018-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I do not have a signed contract nor any contract with TransWorld Systems. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with TransWorld Systems. Also per State of Florida Office of Financial Regulator you must be licensed and bonded in the state of Florida to collect. Please see attachment showing this company is not licensed nor bonded in Florida.
Consumer complaint received 2022-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I reviewed my Complaints # XXXX, XXXX, XXXX and I discovered that you have closed my complaints last XX/XX/22. I am resubmitting my complaint today to inform you that I saw these UNVERIFIABLE accounts on my personal profile : XXXX  XXXX Balance : {$5100.00} ; XXXX  XXXX  XXXX Balance : {$7500.00} ; XXXX  XXXX Balance : {$820.00} which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I am hoping that these erroneous accounts will be fixed.
Consumer complaint received 2019-09-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (PA)

Im behing in payments 2months planning on paying what behind an following month installments 1st XXXX 2nd XXXX I just cant pay till End of XXXX beginning of XXXX I dont even have money to put minuets on my phone only have Wi-Fi when available so unable to call to can get minutes to lnmv funding but plan on taking care of whats needed just behund money tight after move
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (MO)

I am utterly perplexed at the moment over the inaccurate information on my credit report. The records are inaccurate, enigmatic, and hazy. If something isn't completely accurate in my report, it should be removed. Please do your homework, identify the rightful owner of these records, and quickly clean this up. I'm very sure you're expected to conduct an inspection swiftly, and a new credit report needs to be sent out with the correct modifications. It shouldn't take the examiner more than 15 days to confirm this letter. As required by law, odd, inaccurate data should be deleted, and presuming you are unable to provide me with a copy of the obvious proof ( original application ) in the case, Also my information was compromised within the XXXX data breach that happened around XXXX that resulted to accounts and information not bing 100 % accurate on my report. With this being said and my demend going completely ignored I can seek litigation in court of law and demend {$1000.00} per violation on my credit report per FCRA and I recognize and confirm a lot of errors on my report. Lets get this took care of promptly for I have a house to close on and if I don't make deadline on my goodness... I sent all the proper documents so I don't want to hear again you can't verify me get the job done or we can step the dispute process up another notch.
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NH)

I had a XXXX XXXX XXXX  credit card from American Express. Under the " Offers '' section of their website they offered me a bonus of {$250.00} to upgrade the card to a XXXX XXXX Preferred Card and spend {$2000.00} within 3 months. I received a bonus in XX/XX/XXXX and eventually downgraded the card back the XXXX XXXX XXXX after realizing that the annual fee would not be worth it to me. 

In XX/XX/XXXX I was again directly offered the same deal in my " Offers '' page. The terms did not say anything about only being able to do this upgrade bonus once, so I took advantage of the offer, upgraded the card to a XXXX XXXX Preferred using the bonus offer link, and met the spending requirement. Chat representatives from American Express have confirmed that I met the spending requirement and that the offer was attached to my account. I still have that XXXX XXXX Preferred Card but was never given the {$250.00} statement credit. Chat representatives have been blowing me off for 10 weeks saying that the investigation will take 6-8 weeks and the most recent one pulled up some offer language about them having the ability to deny the bonus due to " abuse, misuse, and gaming ''. I argued that me taking advantage of a marketing offer that they specifically sent me and that I met the terms of is definitely not any of those, but they will not honor their terms.
Consumer complaint received 2020-06-06
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: EQUIFAX, INC. (FL)

MY IDENTITY AND SOCIAL SECURITY NUMBER WAS USED THE PERSON OPEN SEVERAL CREDIT CARD ACCOUNTS USING MY PERSON INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2021-07-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (IN)

XXXX were the last days I tried to get this issue resolved with them Last two weeks in XX/XX/XXXX called them almost daily MidlandFun also reported as Midland Funding has reported and acknowledged misleading information and two different account numbers for the same account to my credit file for all three credit companies the original debt to XXXX  was XXXX Midland bought the account which I have no contract with. 

XXXX  & XXXX  has an open date of XX/XX/XXXX then again XX/XX/XXXX last reported XX/XX/XXXX owed amount for {$2000.00} XXXX has same account different # and amount open date of XX/XX/XXXX of {$1700.00} last reported XX/XX/XXXX I've disputed on credit files several times and have talked with several reps at Midland the last one said he would resolve issue and fax over documentation which has not happened I'm currently applying for a job and this is killing my credit score