davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

The lender, Select Portfolio Servicing sent a letter out to me after I was denied a loan modification. The letter was dated XX/XX/2018 and had options in which I choose to short sale my home. The letter also stated to have the requested documents back to SPS no later then XX/XX/2018. I sent the signed documents to my agent XXXX XXXX and she sent all of signed docs and listing agreement to the lender on XX/XX/XXXX and XX/XX/2018. My agent then called SPS to make sure the docs had been received and she was told we longer were eligible for a short sale, that my only options were cash for keys or a reinstatement of the account. The letter SPS sent and it is attached, clearly states we had until XX/XX/2018 to get the requested documents in for the process of the short sale. My agent was also told by the reps that the letter is generalized and the options offered expired. How would any consumer know that? Where on this letter does it state my options would be expired before the date they gave me to have all of my documentation in? The letter states to reach out to the lender within 30 days of the date of the letter whish is dated XX/XX/2018, that's not 30 days, we just received the letter last week. I would like for upper management to review this file and letter that they sent to me and I am requesting that I would be allowed to short sale my property to avoid the set foreclosure date they have set. This is a bate and switch for sure, I have never seen any kind of trickery like this ever and it can not possibly be legal, I am seeking legal representation on this matter.
Consumer complaint received 2019-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Loan transfer date XX/XX/XXXX Loan balance at transfer was {$2200.00} escrow bal was {$1800.00} This is mrcooper previous Nationstar Mortgage # 1 requested a payoff amount. The quote was expired the day before I received it. Still charged {$30.00} for quote # 2 I was told they ( by law ) could not make any payments from escrow account for 60 days from the time they took over the loan. I informed them that my taxes were going to be late so I would pay them that day XX/XX/XXXX. I was told to send my receipt showing that I paid to XXXX which I did. Just moments after I sent the receipt they showed a disbursement from my escrow of {$1300.00} with a balance of {$570.00} and this was the same day I was told by law they could not do this. 
# 3 On XX/XX/XXXX I tried to make a payment of {$2200.00} but the website would only let me make a total payment of {$2100.00} after which they took the better part of the remaining escrow and was notified the loan was paid off and all remaining funds would be refunded within 30 days. I called the county tax collector and they send their payment back on XX/XX/XXXX but now I am expected to wait ( at least ) 60 days for my refund per mrcooper.I have talked to a number of mrcooper reps and seem to get a different story from each. The issue is simple why tell me from more than one person that by law they could not disperse any funds from escrow account for 60 days of obtaining my loan and the day I send them a receipt they decide to send the funds also?
Consumer complaint received 2020-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OR)

ISSUE : PayPal is holding my money, denying any attempt to release it. This is involving my business account. I have not had any complaints from buyers or have not sold any service that is unacceptable. There is no fraudulent violation in this case.

I am not the first one that this happened to in my family. We have dealt with PayPal before unsuccessfully. Attempts to resolve any issues are very hard and time consuming since their representatives are very mean, they try to make you guilty for putting the account in the state it is. Any requests to speak to managers or higher up people who are likely to help are denied. Chat support is useless as they can't help with anything regarding fund holds.

This is our living money and it is unacceptable. It is abuse of powers to hold the money I feed my family with. I have two little children that depend on me. Having to deal with PayPal begging them for MY money that I earned is emotionally draining and is affecting my health ...

SERVICE INVOLVED : Regular business PayPal account AMOUNT : {$4600.00} NOTICE OF FUNDS HOLD : XX/XX/2019 SERVICE AGREEMENT : was acc

epted during account creation but I have not read it fully I HAVE CONTACTED PAYPAL personally in an attempt to release my money and was told it's impossible. I have had my lawyer mail them a letter requesting reasons for hold and requesting to release the money. We have not heard anything from PayPal since th
e letter was mailed in XX/XX/XXXX.
Consumer complaint received 2020-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Prevalent DAILY Institutional XXXX discriminatory business practices are continuing to be performed by B of A via it's noted XXXX XXXX business platform!!! I deposited my commission check in the amount of {$11000.00} from my employer XXXX XXXX on XX/XX/20, and the institutional XXXX practice of putting a hold of 2 weeks on a Fortune 500 company payroll check written on another Fortune 500 banking institution ( XXXX ) is  pure XXXX XXXX!!! I have been a banking customer with B of A for 38 years, and this is the kind of customer service treatment that is being provided ... No XXXX way should my funds be held up at all, if I was caucasian this XXXX would NEVER XXXX be taking place!!! This is the 2nd time in 4 months that this Institutional XXXX banking establishment has held up a legitimate banking instrument that I have deposited in their XXXX XXXX institution!
Consumer complaint received 2019-04-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: DISCOVER BANK (SC)

I am a victim of identity theft and have notified the owner of the fraudulent loan, Discover Student Loans, regarding the fraud but have not received any response. I am providing a copy of the most recent fraud report sent to Discover that I have not received any response to, and will provide a summary of my dispute below. 
A private student loan, account no. ending in ****************XXXX was obtained in my name without my consent or knowledge. When checking my credit in XXXX, I saw a credit entry for a student loan in my name with Discover Student Loans. I have never opened an account, obtained a loan from, or co-signed on any loan with Discover Student Loans. I have been attempting to notify Discover since seeing the entry on my credit that the account was not mine, and that I never signed or agreed to any such student loan. I sent the attached notice to Discover on XX/XX/XXXX notifying them of the fraudulent nature of this account, but have not received any response. 
As stated in the attached identify theft affidavit, I have not opened any student loans or co-signed for any student loans with Discover Student Loans, and the accounts are harming my credit and have caused worry, stress and hardship that has affected my quality of life.
Consumer complaint received 2019-04-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

My credit score dropped 133 points from XXXX and spoke with Equifax and was unable to to get any answers of why my credit score dropped by so much. then I was hung up on. My XXXX account is at XXXX.
Consumer complaint received 2019-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A. (NJ)

DISCRIMINATION AND HARASSMENT BY PNC CREDIT CARD SERVICES 1. I posted an on-time payment on XX/XX/XXXX per billing cycle date, of {$300.00} 2. The card was declined today around XXXX XXXX EST, for a {$110.00} charge, approx 3. I called PNC card services at XXXX XXXX   approx & was informed that the system showed a wrong bank account # was used to make the XX/XX/XXXX payment, with an account # ending in XXXX, whereas the account is stored in PNC 's pay by phone automated system, with no manual entry of a bank account being required or made, for the {$300.00} payment. 

4. PNC 's system reflects an on -time payment for the {$300.00} due, as made by me on XX/XX/XXXX. 
recording the on time payment of {$300.00}, PNC being unable to process the payment and charging me a late fee of {$27.00}, with the Customer Rep 5. XXXX XXXX - Retail Escalation Manager -  refused the reversal of the late fee of {$27.00}. 

6. Interest rate APR was also increased without prior notification. In XX/XX/XXXX the APR on purchases was 17.99 % & was increased in XXXX to 18.24 %, whereas Fed Prime rate has stayed the same at 5.5 % from XXXX XXXX XXXX, currently LOWERED to a rate of 5.25 %. 


SUMMARY : PNC Bank utilized intimidation, discrimination and Harassment to violate my Consumer Rights, in blocking my use of my PNC Visa Card AND Blocking Access to my Transaction Records, Online AND by phone. 

Remedy : - Reinstate FULL Account Access, Refund the Late fee of {$27.00}, and Reduce the APR to the 14.75 % that I originally had, when rates were HIGHER thank they are now. 

**** I have EVIDENCE of the statement above, with screen shots of the on time payment, late fee and blocked access to transaction records. 


I, XXXX XXXX, certify the above statement to be true and as occurred. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-07-12
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: Experian Information Solutions Inc. (CA)

In or about the month ofXX/XX/XXXX I filed a dispute with Experian online and in writing. The following account was verified with my online dispute. My written dispute resulted in a deletion of the involved account. 

In or around XX/XX/, the involved account was placed back on my consumer credit file. 

XXXX, XXXX. 

Original creditor : XXXX XXXX XXXX : {$630.00} The above mentioned account is not mines and can not be verified as such. This account
Consumer complaint received 2019-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I do not have a signed contract with Portfolio Recovery Associates. I have never did business with this company. I am not liable for collection from the debts that they are reporting on my credit reports. I am not responsible for these debts with Portfolio Recovery. They are not licensed to collect in the state of California per what I have been told by an attorney.
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX I paid my delinquent account off with XXXX XXXX Card Services. XX/XX/XXXX theyve reported again and this time it says Charged Off with a 0 balance. Ive called both Experian and XXXX XXXX services and no one seems to be able to help. Ive tried to dispute the account and it says I cant dispute it due to it already been resolved through a dispute in XX/XX/XXXX. Ive been paying all my debt and cleaning up my reports and this is a huge thorn in the side.
Consumer complaint received 2019-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I am a victim of identity theft and fraud, where there were multiple credit applications for credit cards and loans filed under my name. This account was fraudulently opened without my permission and consent, I request you to remove and close this account. 
I have already filed a police report and FTC report, this fraud case is under investigation. 
I have contacted three credit bureaus, I have a fraud alert and personal statement in my credit file.
Consumer complaint received 2019-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XX/XX/2018, our home was destroyed as the result of the Camp Fire in XXXX, CA. It's known as the worst disaster in history. We received a check from the insurance company that was 96 % of the payoff of the home. We promptly sent the check to SPS Servicing , Inc. ( our mortgage company ). We are working with a private attorney to sue the Insurance Agent ( not company ) for not changing our insurance from rental to primary. The mortgage company knew we were short. They received 96 % of the funds in XX/XX/2018, but refused to apply those funds towards my account as they wanted us to rebuild instead. We do not want to rebuild. Our lawyer finally got them to apply the funds to our account. They have put a negative mark on our credit. They also will not accept a short pay option to clear the last of the debt. Our lawyer is appealing the short pay denial. 

This was not our fault. SPS wants to foreclose on a house that no longer exists. 95 % of XXXX burned down that day. The town no longer has infrastructure. Our credit is now damaged.
Consumer complaint received 2019-04-18
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Jon Barry and Associates, Inc. (PA)

I have been receiving harassing phone calls from this agency. this agency trying to collect a debt I do not own. this agency contacted me by calling my phone and family member several times a day over the past weeks and sent me a letter dated XXXX XXXX. I am requesting this agency stop harassing me and my family.
Consumer complaint received 2018-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Experian and XXXX are both reporting false information on my credit report. My credit report says that the US Bankruptcy Court-XXXX is reporting That I filed several bankruptcies here are the account numbers # XXXX, XXXX, XXXX, and XXXX. 
I contacted the US Bankruptcy Court-XXXX about this matter and they gave me a letter stating that they are not and do not report information to the credit bureaus. I sent the letter to the and they said they verified it with XXXX? I reached out to XXXX and they confirmed that my account has been frozen and that they are not reporting anything on me.
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

On XX/XX/XXXX I was a patient in the XXXX  at XXXX XXXX XXXX. 
I later received four different bills, one each from XXXX, XXXX x2, and attending physician XXXX XXXX, all of which were billed to my insurance company, XXXX, and the copay portion to me and paid by me promptly. 

On XX/XX/XXXX I received an invoice for {$200.00} from XXXX XXXX, XXXX on behalf of XXXX XXXX. The invoice indicated that this amount was my responsibility, and I promptly paid the total amount of the invoice with {$0.00} balance. ( See attached copy of invoice as well as copy of my credit card statement showing payment made. ) On XX/XX/XXXX, Wakefield and Associates, instructed by XXXX XXXX, XXXX, wrongfully placed derogatory collections on my credit report in the amount of {$640.00}. 

I hereby demand that XXXX XXXX XXXX and Wakefield and Associates immediately remove this amount from my credit report that I do not owe, as I have paid in full the amount that I was billed by their client, XXXX XXXX.
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion is incorrectly reporting my credit history - it is missing my credit card payment and activity history. 

I have contacted TransUnion and XXXX XXXX XXXX about the matter. I called TransUnion customer service twice- I don't recall specific dates and discussed the issue. They advised me to check with my bank/credit card account provider if they are reporting the credit card activity correctly. I contacted my bank/credit card issuer ( XXXX XXXX XXXX  ) and I was instructed to contact TransUnion because TransUnion is not picking up my name correctly ( XXXX XXXX instead of XXXX XXXX XXXX ) thus not picking up my credit card activity. I contacted TransUnion about the name they are using for my credit score and report and they said their system is not picking up my full name - XXXX XXXX XXXX. My first name XXXX XXXX is not recognized in the system due to the space. It is picking up as XXXX or XXXX. I requested them to use XXXX instead of XXXX. I filed their online dispute form with the same request without any further changes/improvement. I contacted my bank to make sure they are using correct names for this purpose. Transunion is still not reporting my credit card activity. 
This leaves me at false credit score which has resulted in many negative impact on my financial situation. 

Other credit reporting agencies, such as XXXX, are correctly reporting my credit history. I don't understand why transunion is unable to do the same.
Consumer complaint received 2019-04-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/XXXX I've opened a USAA account and then opened a trading account with USAA. Today XX/XX/XXXX I tried to log on to start trading and I get the error message XXXX my account is restricted. I called USAA and I was told that USAA is " excersing its rights not to do business with me '' FOR WHAT? I DID NOTHING WRONG ITS NO FRAUD NOTHING BAD IN MY NAME OR IN MY RECORDS OR WITH XXXX! My social is brand new after being a victim of id theft and I decided to give usaa a try and I get treated wrong.
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Consultants, Inc. (WI)

In XX/XX/2018 we canceled XXXX services. ( Had paid the monthly payment by autopay. ) upon canceling, we were informed that we must return equipment upon receipt of their postage paid box/label or we would get charged for equipment. We promptly and immediately complied and sent all items requested. We verified it was received by XXXX. 

Because we were also building a new home ; beginning XX/XX/2018, we applied for a construction loan from our financial institution and our credit scores were impeccable, as they always have been. My wifes and my own credit scores were, in fact lateral as we have been married 25 years and had the same accounts, etc. 

Because our construction loan is now matured and needs to be converted to a traditional mortgage, our financial institution indicated we could not get a good rate on a mortgage because my credit score took a nose dive! To my utter shock, I reached out to XXXX to inquire as to why the sudden drop. It was indicated I had an unpaid bill reported to them by Diversified Consultants IN, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ( phone XXXX ) in the amount of {$800.00}! 

First, we NEVER received notification of such amount due and second, we had no idea who this company was! After searching their name we learned they were a collection agency for XXXX! 

We immediately filed a complaint with XXXX and spoke to them numerous times to expedite our complaint and resolve the incorrect information so to put my credit score back to where it was prior to the scathing incorrect information. 

Unfortunately, every time we have spoke with them, there was a huge language barrier and after hours and hours on the phone, we asked where we were calling and learned it was the XXXX. We then asked to speak to someone in the USA and was obliged with the request. 

The credit bureau did indicate the item was deleted from the credit file, however it could take as long as 90 days to be reflected on my credit score!!! I begged that this be carried out sooner so I may get a traditional mortgage that should be afforded to me. I have worked all my life, paid all my bills, fought for my country, and have had an impeccable financial and personal reputation. 

I have explained that this is unacceptable and unjust. It was not a valid debt and further, this incorrect ding on my credit score is going to cost me many, many thousands of dollars due to the fact I can not obtain a traditional mortgage!!!! 

Diversified Consultants, XXXX and XXXX needs to compensate us for the grief, anxiety, and moreover the additional costs we will incur due to this total debacle. 

For your information, the XXXX Confirmation number of the completed complaint is XXXX.
Consumer complaint received 2019-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (CA)

I am a victim of identity theft and fraud, where there were multiple credit applications for credit cards and loans filed under my name. This account was fraudulently opened without my permission and consent, I request you to remove and close this account. 
I have already filed a police report and FTC report, this fraud case is under investigation. 
I have contacted three credit bureaus, I have a fraud alert and personal statement in my credit file.
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

I XXXX XXXX the president of XXXX XXXX diposited in my chase bank account {$100000.00}/ also recieved a zelle of {$30000.00} also diposited {$200.00} / chase closed the account for two months and the hold the money and not gave my back