davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (AZ)

On XX/XX/19, I received a letter from XXXX XXXX XXXX informing me that they were transferring my HELOC to a new company called Specialized Loan Servicing LLC ( SLS ) as of XX/XX/19. I was not behind or late with any payments, in fact, I was paying an extra $ XXXX and the payment was due on the XXXX and I would mail it on or around the XXXX. To date ( XX/XX/19 ) I have NEVER received anything in the mail from the new company. 
On XX/XX/19, I called Specialized Loan Servicing asking where my statement was that was due XX/XX/XXXX. I was told that because they just got my loan turned over to them, and they have 60 DAYS to process it, I would have to wait until XX/XX/XXXX and make a double payment PLUS pay the extra interest accruing. They also told me that XXXX had sent me a statement for them. XXXX had sent the statement but it had XXXX 's acct # on it and their address. So I asked the guy to give me the new loan number and confirmed their address was the one XXXX had provided in their letter. I hung up & wrote the check, included the XXXX remittance with the NEW acct number on it & the check, and mailed it to SLS the next day. 
So now it's a month later, XX/XX/19 and and I STILL have NO STATEMENT - or any other contact - so I can pay SLS. I called them today ( XX/XX/19 ) & spoke to XXXX XXXX # XXXX. I asked her if they had mailed my XXXX statement yet because I still didn't have it. XXXX told me they COULDN'T mail me a statement because my loan is a HELOC. " So? '' I replied. " We can't tell you what your payment is every month, you have to call in and ask so we can tell you what it is at that minute and then make the payment right then and there over the phone. '' SERIOUSLY?!?!?! I've had 3 HELOCs over the past 25 yrs and ALWAYS gotten a monthly statement. I argued with her for another 5 mins asking over and over for a statement and she also told me that they have 60 DAYS to get my account up & running. I finally gave up and hung up. 
My letter from XXXX dated XX/XX/19 said SLS would 'send a letter in the next FEW wks with my new acct #, pymt address. ' The letter also said SLS would 'support my account needs, including STATEMENTS, billing, payment processing ... ... ' I also didn't have my statement from XXXX XXXX for my home owner 's insurance due XX/XX/19. So I called them yesterday and was told that it was sent to Specialized Loan Servicing per their request since they are my new MORTGAGE COMPANY. Since when is a HELOC loan responsible for paying home owners ins since there is no escrow acct and I still have a 1st mortgage? SLS couldn't contact me but they did contact my ins co. 
I don't know who this 'fly-by-night ' company is but they need to be shut down. They have no idea what they are doing and shame on XXXX for contracting with them.
Consumer complaint received 2019-09-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (TX)

I've gotten calls from these people for the last year or more, so I decided to call back with the reference number they left on my answering machine but it was for someone I don't know. The ref # is XXXX, and she was looking for a XXXX XXXX. I explained to her that that person don't live here and I don't know him, so she said she would take my number out of their system. That was on the XX/XX/19 XXXX but she did not. So I get another call from someone name XXXX, she didn't give me her last name but this was on the XX/XX/19 well she told me the same thing she would remove my number, but the calls are still coming. I get two calls in the morning and I get two in the late evening and their coming from XXXX XXXX XXXX. And sometimes from their outside company XXXX XXXX.
Consumer complaint received 2019-09-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

Capital One 360 closed my checking & savings account for no good reason. They sent me an email saying that they were closing my account and I could no longer bank with Capital One. Ive been with them for years and they randomly decide to close my bank account. The only thing I " did '' was accidentally transfer money from one savings to checking that wasn't there. I called and told them it was an accident but they didnt seem to care.
Consumer complaint received 2023-01-27
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: EQUIFAX, INC. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2019-09-20
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (KS)

I opened a Citi Biz Checking account under a XXXX dollar promo. I transferred money to my account from XXXX 20 days after singing up. The 15000+ necessary for the promo. 

However, Citi took the remaining the remaining 10 days + 1 to have the funds show up. I chatted with Citi rep to make sure I was still eligible for the promo as counting of days would affect whether or not I was eligible and I wanted to confirm before leaving XXXX sitting in the account. I wasn't sure if I was good because the account wasn't open when I applied due to they needed to actually open the account, if the day they opened the account counted or if it was full days, or if I had 30 biz days since weekends cut into transfer time. 


I was informed that I was still eligible for the bonus and that if I left the money in the account I would get the XXXX of the XXXX bonus ( there was an additional XXXX for a direct deposit and I would get that if my direct deposits posted as well ). 

Because of minimum balances for my old account and autopays I had set up, I was charged fees for my other accounts. I thought about transferring the money back before the fees kicked in, but decided against it because the bonus was worth it and I was assured that I would get it. I am sure glad I saved the chat trasncript from them because Citi is really being shiti about the bonus even though I was assured I would get it.
Consumer complaint received 2019-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX. I need my name and the late payments removed from my credit report. XXXX XXXX  account the was closed for XXXX XXXX XXXXXXXX I am not financially responsible for this account or the status of this account. Please delete the late payment at one from my credit file please and Thank You.
Consumer complaint received 2019-09-19
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. (WI)

I disputed one claim with Transition about my XXXX XXXX card balance now being XXXX. They corrected it, but won't close the claim and they only allow one dispute at a time. My XXXX   XXXX ( XXXX ) needs to be disputed also because this also has a balance of XXXX and XXXX   said they reported it, but TransUnion has not updated the reflected balance of XXXX.
Consumer complaint received 2019-09-19
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. (OH)

I have a address showing on my credit report that doesn't belong to me.. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX please remove the XXXX XXXX XXXX from my credit report. I am never lived there.
Consumer complaint received 2019-05-01
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I HAVE TRIED DISPUTING THIS ACCOUNT ON SEVERAL OCCASIONS WITH THE CREDIT BUREAUS AND WITH CAPITAL ONE AUTO FINANCE. I HAVE BEEN A VICTIM OF IDENTITY THEFT THREE TIMES. THIS ACCOUNT IS FRAUDULENT AND WAS OPENED WITHOUT MY AUTHORIZATION. I AM FRUSTRATED AND TIRED OF DISPUTING THIS ACCOUNT BECAUSE IT HAS BEEN HINDERING ME FROM MOVING FORWARD WITH OTHER FINANCIAL OBLIGATIONS. THIS ACCOUNT IS REPORTING NEGATIVELY AND KEEPING MY CREDIT SCORES DOWN.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I have a late payment showing on my credit report that doesn't below to me. XXXX XXXX authorized User account. This is a closed account that I am not financially responsible for please remove the negative item immediately. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX please remove the late payment from my credit report. I am no longer on that account!
Consumer complaint received 2019-09-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/XXXX my employer notified me that an earnings and wage order ( EWO ) had been received and that my pay was going to be garnished. 

I was shocked, horrified, and dismayed because I was unaware of owing money. 
Once I received the information form my company 's payroll department ; I began trying to go back to the beginning to reconstruct or make sense of how the EWO was issued. 

It turns out that Capitol One sold my old debt from approximately XX/XX/XXXX to a third-party debt collector, which proceeded to retain legal counsel who a filed a claim, went to court, and won a judgement against me ; I had no knowledge of this court hearing because I was never notified or served in-person or via US mail. 
I called the phone number listed on the documents I obtained from my employer 's payroll department to make inquiries but was not helped or given any useful information. Yet, I was persistent and finally was successful obtaining documentation of the original amount of the debt owed to Capitol One, all types of fees ( which the person who took my call could not understand in order to explain ), money that had previously been levied from my bank account, and the alleged proof of service, which was fraudulent. They proof of service was given to a white female ; I live alone, am an emptynester, who does not have a roommate!
Consumer complaint received 2019-09-19
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: CARRINGTON MORTGAGE SERVICES, LLC (CA)

I made my XX/XX/XXXX payment on the last day of the month ( XX/XX/XXXX ) through the servicer 's website, which routes you to XXXX to process the transaction. The payment date that prefilled in that payment information screen was XX/XX/XXXX and the confirmation page again confirmed a " payment date '' of XX/XX/XXXX. However, the servicer credited the payment effective XX/XX/XXXX despite the confirmation provided through their vendor 's website and they are unwilling to honor it or correct it. They stated that regardless of the payment date confirmed through the speedpay transaction, there's a box that you click on which has a list if disclaimers about the cut off time to process your payments same day. No one is going to look through all these hidden disclaimers to find that information. Consumers are going to go off of the payment date that you are allowed to enter when processing the payment. All other creditors pre-fill that date to the following business day if the transaction is after the cutoff but not Carrington. This is a disconnect between the servicer and their vendor ( which they're still on the hook for ) and rather than fixing the issue and correcting it going forward, its easier for them to reject any liability for the error. Bottom line is that if the payment is being made after their cut off, the payment date made available to the customer should not reflect an incorrect date, it should automatically flip to the next business date so there's absolutely no confusion. This is unfair and deceptive business practices which is confusing to their customers, yet they fail to acknowledge that.
Consumer complaint received 2019-09-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (HI)

For several months we have tried to get in touch with our " lender '' ( our original lender was XXXX XXXX, who transferred the loan to selene finance, the company we are having issues with ). Daily calls are not returned, the one officer in charge of our case does not reply or answer despite messages left constantly. We are automatically patched to her number when dialing in, as she is in charge of the case, and also automatically patched through to her voicemail as she is never in the office during her stated business hours. We had an offer to buy the house over value and needed to get approval due to our status on the loan, and they did nothing until the buyer rescinded the offer. This is unacceptable. We should be signing documents to put the house under contract, but because selene finance would not follow through on their end we are back on the market without a buyer.
Consumer complaint received 2019-09-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synovus Bank (RI)

Hi, this company keeps reporting inaccurate information to the credit bureaus such as " late payment '' every single month on a closed account, a " past due '' on the same closed account. How is this possible? I have sent them multiple letters and they never respond even when i point out factual errors and inaccuracies such as reporting a late payment for the same month and year that they report " on time '' to another credit bureau. This is hurting m ability to obtain a fair credit score and report and making it very difficult to obtain a mortgage. 

I have disputed with the credit bureaus which in turn sent me to this company and i contacted them but instead another company by the name of " XXXX XXXX XXXX XXXX XXXX XXXX '' responded saying that they are in charge of collecting the debt but they dont even show up in my credit file.
Consumer complaint received 2019-09-19
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 (NC)

On XX/XX/2019 I noticed that American Express was offering a credit card called Blue Cash Preferred. They offered {$300.00} cash back if I were to spend {$1000.00} in the first 3 months. See : https : //www.americanexpress.comXXXX  XXXX. 

This was the URL used but it is no longer working : https : //www.americanexpress.com/XXXX XXXX XXXX XXXX XXXX XXXX Attached below is a Word document containing the screen shot of the offer. I took a screen shot on the day I applied. It clearly says {$300.00} back. 

I applied for the credit card on the day of the offer -- XX/XX/2019. Proof that I filed on the day and time the offer was made is the screen capture of the date of the word file which was stored by XXXX on my computer. See the attached file called, " This shows the date on the word doc which is XXXX the date I submitted ... '' My account with American Express shows that my account was set up on XX/XX/2019. 

Three months later when I fulfilled my obligation to spend {$1000.00}, American Express failed to meet their obligation. American Express did not credit my account with {$300.00}, the offer American Express made. Instead, they only credited me {$250.00}. 

When I filed a complaint with American Express, they said they would investigate. However, upon investigation, they denied my complaint. I told them I had a screen capture of their offer but they did not seem to want it. They never told me how to send the screen capture to them. 

They denied my complaint saying the application did not have the proper code -- some code I guess for {$300.00} -- on the application form. When I later read off the screen capture with the URL code on it for the very page showing {$300.00}, American Express still refused to credit me with the missing {$50.00}. 

I would call that false advertising. I suspect that few future customers make a screen capture of their offer. They should not get away with such a deceptive practice this time.
Consumer complaint received 2019-09-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (CA)

Im having false charges from XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX With XXXX XXXX I had signed up through XXXX and the agreement was $ XXXX/month but after the 2nd month the cost/month was {$90.00} and we didnt agree to that amount I have equipment of theres Im willing to return as long as postage is paid and Im incapable of getting their dish off of my roof is the other issue With XXXX & XXXX we bought cellphones from them and had cellphone service where the rates were changed on us as well The amounts they have of what amount I owe is much higher than what it should be
Consumer complaint received 2019-09-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

XX/XX/XXXX received voicemail from XXXX that said unless I called back I would be served with a summons. They stated to call XXXX to resolve. When I called that number they stated I could pay XXXX over the phone or wait for the summons Monday and pay over 1000, the rep said the company name was XXXX XXXX. Called the bank they referenced and the bank stated my account was closed in XX/XX/XXXX in good standing.
Consumer complaint received 2019-09-19
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)

Contacted company XXXX  on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX about open account on my credit report. I called to indicate I have no knowledge of the account and opening the acocunt. The number listed on the credit report is for a customer service life alert where they try to sell you a product but no answers your questions about the account. The only number listed on the internet for XXXX is for XXXX  and located in XXXX XXXX. I have no knowledge of this account and wish to have it removed immediately from my credit.
Consumer complaint received 2019-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I am not familiar with this item and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is not my account. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.

*******Acct number-XXXX- states a balance of {$820.00} WITH 2 DIFFERENT REPORT OPENED DATES FROM XX/XX/2017 TO XX/XX/2017 this also incomplete and inaccurate information.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

I have suddenly had an alleged medical debt posted to my credit reports with no notification. I have not been properly notified, and asked that the alleged debt be substantiated, and it has not been. My FCRA rights have been violated, because I was never notified of this alleged debt, or given a chance to dispute it. I also believe my HIPAA rights gave been violated by posting medical information to my credit reports, which is a public document. I dispute this information and feel my HIPAA and FCRA rights have both been violated.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The distress caused by this situation is palpable, impacting my quality of sleep and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error that I am not responsible for.
Consumer complaint received 2019-09-19
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: Experian Information Solutions Inc. (AZ)

This complaint is regarding the credit unions namely XXXX, XXXX and Experian. My identity was compromised in the year XX/XX/2016 which I was not aware of then. I received my social security number around that time and not being originally from the United States of America, I was not aware of the term identity theft and how it can affect your life. Unfortunately, being a victim of identity theft myself it has not been easy life since the year of XX/XX/2016. It has been over 2 years since I am constantly requesting and disputing accounts in my credit report which was not opened by me. The credit bureau has not been very cooperative, I have sent several letters stating to send me proof of verification or else delete the accounts. 

XXXX  deleted all unverified accounts but failed to remove all non-account holding inquiries. 

XXXX and Experian did not delete any unverified account, nor did they send any verification of the accounts. 

I request Consumer Financial Protection Bureau to help me with this issue and protect my rights as this issue has affected me emotionally as I can not purchase a vehicle or house for myself or my family. This inconvenience caused to me for all these years and I would want to be compensated for my time and struggle.