davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VT)

My mother passed away XXXX XXXX XXXX due to XXXX. She had ACH payment setup to Specialized Loan Servicing to come out on the XXXX or XXXX of every month from her XXXX XXXX XXXX bank account since XXXX. When she passed away her house went into probate and I became the administrator of her account on XX/XX/XXXX. Once I was her administrator for her Estate I received a statement from the lender on XX/XX/XXXX. This statement claimed that she had missed 5 months worth of mortgage payments. 

XX/XX/XXXX Amount Due {$1100.00} XX/XX/XXXX Amount Due {$1100.00} XX/XX/XXXX Amount Due {$1100.00} XX/XX/XXXX Amount Due {$1100.00} XX/XX/XXXX Amount Due {$1100.00} Total Unpaid Fees : {$6100.00} I made this payment of {$6100.00} on XX/XX/XXXX. Once the late payments were current the lender couldn't continue the foreclosure process. 
As I slowly began gathering more of my mother 's accounts I learned from her bank statements that the payment for XX/XX/XXXX {$1100.00} and XX/XX/XXXX {$1100.00} had been made. 

XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX ACH withdrawal Specialized loan XX/XX/XXXX XXXX ACH withdrawal Specialized loan These payments had been taken out on the provided dates above. The bank account was charged off on XX/XX/XXXX. 

When I informed SLS of their mistake they denied it every time I called excepted once on XX/XX/XXXX I spoke to XXXX who confirmed I was correct but nothing came of it. Even after I provided proof of payment they claimed that the ACH was reversed on XX/XX/XXXX. 

I received an automated email from them giving me a breakdown of my mom 's payment history. On that breakdown there is 2 payment reversals that occurred on XX/XX/XXXX by their own documentation. 

None of these reversals are reflected on any of the XXXX XXXX XXXX bank statements. When calling the representative from XXXX XXXX XXXX it was clear to them that none of these reversed payments happened. The XXXX XXXX XXXX confirmed that the account was charged off without any action on their side in regards to reversing payments on XX/XX/XXXX. 

Therefore this leads me to believe that SLS intentionally reversed XX/XX/XXXX and XX/XX/XXXX on XX/XX/XXXX to create a foreclosure process. FIVE days after the bank account was charged off by XXXX XXXX XXXX. 

I've provided all the documentation needed to move this case forward. 

Thank you.
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

JP Morgan Chase bank is stealing money from me via unexplained credit card fees which I did not agree to. I created a payment plan to pay off a large purchase which they said will be interest fee, I have done this with other financial institutions before and never had a problem However, Chase has started charging me monthly fees for the payment plan, this is tantamount to FRAUD because chase is now charging the same interest which they said will NOT be charged if a payment plan was created via a monthly fee. When I asked them to cancel the plan they refused and said it can not be done, they refuse to refund the fees that they are ILLEGALLY charging and which I did not know off JP Morgan Chase has been getting away with these crimes for a long time and it is time that the Government does something about them
Consumer complaint received 2022-05-13
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. (PA)

In accordance with the fair credit reporting act XXXX account # XXXX, XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX 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 2020-12-19
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. (NY)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-12-19
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. (NY)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-12-19
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)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2019-06-28
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ATG Credit, LLC (WI)

I have informed ATG Credit of XXXX  fraudulence. ATG Credit decided to call me excessively even calling my job and trying to force me to pay them after I have asked them not to contact me because I have communicated to both XXXX & ATG credit of their error. ATG Credit was very disrespectful in stating that I need to take care of this matter instead of listening to or reading the statements mailed to them. They are very aggressive and only care about getting your money at any cost even if it could cost my job with their rude phone calls to my employer. I had to take an early lunch and tell their representative to NEVER call my job again before I seek legal action. 
This debt is the result of XXXX miscommunication within their departments. Also, their negligence in enrollment into their school. And they think it is fair because of their negligence and miscommunication to solicit money from me. I do not have one credit, nor degree, nor textbook, nor bit of education or information other than the fact that XXXX assisted in requesting Financial Aid for me to attend their school, then they stated I was not eligible and then decided I needed to pay out of pocket. If I had the money I would not have needed Finanical Aid, yet they dug this hole and left me in it. They forced me to withdraw from orientation because I could not afford to pay. If XXXX want the {$3600.00} they are requeting then they need to provide me with a partial degree, or education because they have provided me with nothing but falsities on my credit report and rude debt collectors.

My next complaint is that I have tired to dispute this on several occasions with XXXX and you feel this reporting on my credit report is accurate. I would like to know on what grounds, so are just as bad as ATG Credit and XXXX. On what basis did you come up with that information. I then proceeded to contact every XXXX & XXXX number listed only to not be able to contact anyone to rectify this matter. At this point I feel that educational institutions and their debt collection counterparts are a disgrace to consumers as well as XXXX as they all work together to devalue you and not value your rights and take each matter case by case and truly investigate a matter, especially such as this one because XXXX created this issue, it is fraud that they can rip me off like this, I have nothing to show for it but a poor credit score. And ATG Credit is a bully just as XXXX by stating the information is accurate. It is unethical and fraud what they are doing!
Consumer complaint received 2017-03-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Performant Financial Corporation (NY)

Over the past month and a half I received 2-3 phone calls every business day between XXXX am through XXXX pm. When I would call back they were rude, demanded payment, and threatened to deduct my pay.
Consumer complaint received 2020-12-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

The estate of XXXX XXXX XXXX is in receipt of your ( Select Portfolio Servicing, Inc. ) letter dated XX/XX/2010, entitled, " Your Mortgage Has Been Referred For Legal Action. '' In this letter SPS communicates wrongful and fraudulent information and continues to assert they are servicing an account according to the loan agreement and mortgage agreement. As the executor, I have disputed this claim on numerous occasions with supporting documentation to no avail. SPS continues to harass the beneficiaries of this estate by trying to manipulate and fraudulently misrepresent the facts. Additionally, XXXX XXXX and SPS have fraudulently filed a mortgage assignment for which I have provided proof, for a property in which they lack standing to pursue legal action on. XXXX - SPS and/or affiliates have never filed a legitimate claim per New York State Probate Law. 2- Should SPS pursue legal action, as the estate 's representative, the case will be defended vigorously in the court of law. Please do not respond with the typical cut and paste, uninformative, untruthfully, annoying and meaningless legalese. Merry XXXX!
Consumer complaint received 2019-10-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc. (TX)

I used to be a customer of XXXX XXXX and be paperless enrolled and make all my payments via automatic payments. I never missed a payment from of utilities. 
In XXXX I moved from XXXX  to XXXX and closed the XXXX XXXX account and I was expecting that any remaining balance should be paid via automatic payment. 
Since that, I never received any final bill my to my current address. Also, I never received any call or email from XXXX XXXX. Just a quick remember that I was used to receive my communication and bills via email because I was paperless enrolled. 
On XXXX, I received an alert from XXXX  about a Collection account was reported to my credit report, I call XXXX to understand the details and I was informed that the company ASSOC CREDIT SERVICES reported a debt collection and the original debt is from XXXX XXXX. I got very surprise because I never received any notice of this debt from XXXX XXXX or the Collection company. 
In the same day of XXXX, I call the collection company and paid in full and requested to than to remove this derogatory account from the credit bureaus ( XXXX, XXXX and XXXX ) because I neves received any notice, however I was informed by the agent they were not able to do that. 
Since that, I started to open disputes of this collection account report in my credit report directly with XXXX, XXXX and XXXX. In the next day, XXXX, XXXX  accepted my dispute due the argument that I never receive any notice and because they know I never missed a payment and this was a mistake. 
On XXXX I call XXXX to get the status of my dispute and I was told they can't remove because that account belongs to me. I did not accepted their decision and I placed I new dispute. XXXX information from phone and website are very incomplete and inconsistent, it has been impossible to follow this dispute with XXXX. The dispute number is XXXX. 
XXXX  has never provided a feedback.
Consumer complaint received 2019-04-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IL)

XX/XX/2019 sent {$70.00} through MoneyGram to my son. He travels oftn so during the course of a month I have used this service over the last 2 years. 
Illinois to Illinois, pick up cash at any location He was told that the transaction was " invalid ''. 
I called and was told MoneyGram sometimes reviews transactions and this one was reviewed and cancelled. No Why. The rep just read from a script. He has no supervisor or manager that I could speak to and my money will not be returned for 10 business days. Why was it invalid? My money, I have a right to know why my $ have just disappeared for at least 10 days. Internet blogs seem to indicate that this is becoming a common occurrence since the appointment of a new compliance officer at Moneygram. 

Smacks of deliberate fraud. How much money passes through and is " held '' giving the customer no reason. Quite a large amount of interest to be earned by Moneygram. 
Something is really rotten about this whole thing. 
Authorization # XXXX Ref # XXXX
Consumer complaint received 2017-05-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (AZ)

The purpose of this complaint is to seek the mortgage servicer 's retraction of a credit reporting entry due to a payment processing error. On XXXX XXXX, I made a payment using the servicer 's online portal ( XXXX XXXX XXXX ) for the XXXX payment due. The payment was accepted via the portal, and I received a confirmation email. I received no further communication from the mortgage servicer until Saturday XXXX XXXX, when in the mail I received notice that the payment was past due. I immediately submitted a duplicate payment until I could troubleshoot the issue with the mortgage servicer 's customer service on the following Monday. On Monday, XXXX XXXX, the mortgage servicer through several calls to them advised that the XXXX payment was rejected due to them not being able to locate the checking account, despite this information being used several times previously. My detailed review of my checking accounts and my conversations with my banks did not reveal any transactions being presented by PHH, or any NSF fees /  overdraft charges or other activity to suggest that XXXX XXXX conducted the transaction for PHH. Both accounts contained sufficient funds. I did not receive any contact or communication from PHH noting there was any problem with thXXXX XXXX payment until the XXXX notice, which was too late and had already reported to my partner 's and my credit. The XXXX payment was processed, and satisfied the XXXX amount due. I have never before been beyond 30 days late on this or any other mortgage. I faxed a detailed request reflecting this summary to PHH 's Credit Retraction Team on XX/XX/XXXX but have not received any response.
Consumer complaint received 2022-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ADP Inc. (FL)

I received a call from scammers pretending to be XXXX, they pretended to connect me to my online XX/XX/XXXXwho pretended to verify my info and connect me with the federal trade commission. believing I was talking with the people who were protecting me I transfered {$2700.00} to an acct they provided. supposedly for safe keeping til security measures could be put in place. XXXX XXXX from the federal trade commission phone # XXXX XXXX XXXX gave me XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXacct # XXXX routing # XXXX XXXX transfer the {$2700.00} from my acct.When I called the # XXXX to see when I may get funds transfered back to my acct, I got the message phone number no longer in use. I cried. I called my bank, filed a claim and they sent me a letter saying there was no error and no credit will be issued. I cried again.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act this creditor XXXX XXXX XXXX account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-12-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Citibank sent me a letter informing me that they are closing my safe deposit box account. The notice stated to contact their customer service to obtain further information. 

When I first got the notice, I reached out to the Citibank branch located at XXXX XXXX XXXX, XXXX, CA XXXX, directly and spoke to the branch manager. The branch manager informed me that they do not see any closure notices for any of my accounts in their system and the letter looked to be fake. He made a copy of the letters and said he will forward these to Citibank fraud department and let me know if there is anything information. 

Upon this information, I took no further action, however, on the notice date, my checking & savings accounts were closed - even though the notice mentioned just my safe deposit box account. This was then followed by closing my credit card accounts by Citibank I sent multiple letters ( via USPS ) requesting further information, however, till date I have received no response to my request.
Consumer complaint received 2019-11-18
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. (NJ)

To Whom it may Concern : XXXX XXXX # XXXX**** This is a legal NOTICE AND COMPLAINT REQUESTING documents and request for proof of claim, I have been unable to find any contracts for business between my person and XXXX XXXX. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under NEW JERSEY LAW Pursuant to N.J.S.A. 2A:19-13, the assignee The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account. I have make a request for any and ALL legal contracts obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between XXXX XXXX AND XXXX XXXX XXXX.
Consumer complaint received 2022-05-13
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. (TX)

Account # XXXX XXXX  XXXX XXXX This account is not mine i have reached out the company and they have not responded to me it's been over 30 days and i want this removed from my credit report ASAP
Consumer complaint received 2022-05-13
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. (TX)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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 2020-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

In XXXX XXXX I paid my car note however I addressed to the wrong people and they sent me my money back in a check form for me to cash and put back in my account and I tried at the bank branch and they said no I cant. So I called the number on the check and it directed me to my bank. The check was XXXX it was withdrawn from my account and they denied me the money Im entitled to. In the check it says it will be coming back in 90 days if not cashed so now Im XXXX short and they are once again not acting right so.. Im here to say this bank is withholding me from my OWN money. Capital One is trash.