davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (MO)

Subject : Urgent : Correction Needed for Dept of Education Account XXXX Dear Dept of Education Representative, My name is XXXX XXXX, and I am writing to bring to your attention a critical matter regarding my Dept of Education account ( Account XXXX ). 

Address : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX Due to unforeseen health circumstances, I have become XXXX following a XXXX and am now dealing with XXXX. In light of my situation, it is crucial that I do not have any delinquent or negative credit items in order to qualify for government assistance. 

Account Details : - Account Number : XXXX - Ending # XXXX - Original Balance : {$2900.00} - Opened : XXXX XXXX, XXXX Issue : The account in question, with the ending number XXXX, is currently reflecting a 90-day late mark in XXXX, which is inconsistent with my understanding of the deferment agreement. All my loans, including this one, were taken out simultaneously and placed in deferment while I pursued my education. 

Other Accounts : 1. {$28000.00} ( XX/XX/XXXX ) 2. {$5600.00} ( XX/XX/XXXX ) 3. {$7600.00} ( XX/XX/XXXX ) 4. {$2900.00} ( XX/XX/XXXX ) 5. {$3900.00} ( XX/XX/XXXX ) Request : I kindly request an immediate update to reflect that this specific account was never late, or alternatively, its removal from my credit report. 

Contact Email : XXXX Your prompt attention to this matter is highly appreciated, as it directly impacts my eligibility for government assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MO XXXX
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Experian offers a boost service that allows users to increase their credit score if they forfeit their data from banks. This service literally taps into every transaction that one commits from any given bank in the U.S. If an individual does not use the Experian boost program then their credit score is negatively affected. XXXX XXXX uses the average of Experian, XXXX, and XXXX. Naturally, if Experian is suppressing credit scores in order to promote their service Experian boost then this affects every American who wishes to purchase a home, apply for a new credit card, or even apply for a business loan. Experian has hurt many Americans by offering this free service. Americans are forced to forfeit their private banking transactions to a private company. This data can go anywhere, whether it be sold or harvested for profit, Experian is unlawfully suppressing American citizens credit scores.
Consumer complaint received 2023-03-27
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. (CA)

I reviewed my Consumer Reports and noticed that I had three late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX .... 
Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2021-02-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Google Compare Credit Cards Inc. (CA)

Google Pay offered a referral bonus of {$21.00} in XXXX ( XXXX ). I completed a transaction subject to the terms of the referral on XX/XX/XXXX ( XXXX ). To date, the referral remains unpaid. I began e-mail communications with the company to resolve this issue on XX/XX/XXXX ( Google_Emails.pdf ). Repeated attempts to follow-up and resolve the issue have been fruitless. The company claims to have simultaneously " escalated '' the issue yet " can't promise a timeline '' on a resolution.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC (CA)

I have no association with this company and have never heard of them. The company does not have my written consent to use any of my information or my signature in a commercial manner. Additionally, it is unlawful to report medical bills on a credit report. I have not shared my information with this company or given anyone else permission to share it and especially publicaly.
Consumer complaint received 2022-09-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Date Opened XXXX XX/XX/15 Balance : {$270000.00}
Consumer complaint received 2017-10-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ACCELERATED COLLECTION SERVICE, INC (WA)

In XXXX, XXXX this company called me requesting I pay a debt. Immediately recognizing the debt that I had been trying to get resolved with my insurance company and previous employer I informed them of the situation. My employer neglected to add my son onto my insurance after he was born, they admitted fault to this. Then the hospital who owned the debt billed the wrong insurance company, again they admitted their fault in this. Meanwhile I was in contact with my insurance, XXXX hospital, and the collection agency almost constantly. 

After everything was finally billed correctly I was left with a balance of roughly {$1600.00}, this was in XXXX, XXXX. I had to scrape by to find a way to pay the company this so on the morning of XXXX XXXX, XXXX I called them prepared to pay this bill in full at which point they informed me that because I had taken so long to pay I know owed over {$500.00} in interest. I was shocked and in tears and tried to reason with them that this is not something I can afford. I had been in constant contact with them for months and they knew the situation and never once had they disclosed interest. 

After being transferred from XXXX XXXX who has verbally made me feel uncomfortable and threatened many times XXXX to her supervisor she berated me with a condescending tone, uncaring that the fees she had charged were never disclosed at any point as a possibility. She decided to lower the interest by about {$80.00} dollars. Eager to get her and her cronies out of my life, I paid in full. 

I understood that at some point I would need to pay this bill, but I had no idea how much it would be until my insurance could process it. The collection company knew this and still they added fees without my consent. I am not trying to get out of paying this bill, I just do n't think I should have paid the fees given the circumstances. 

Please listen to all calls with this collection agency to understand their threatening and demeaning tone. I am mortified and depressed and meanwhile this unethical company gets to open their door another day to harass people who actually do honorable things for a living.
Consumer complaint received 2015-10-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS Loan # XXXX XXXX XXXX XXXX, XXXX CA XXXXSPS has never offered the homeowner any alternatives to foreclosure, and is refusing to entertain the possibility of a short sale. There is an upcoming foreclosure date and we have submitted a short sale package with an offer. We are requesting the auction to be postponed and allow time for short sale review. 

1 ) Valuation fraud XXXX all properties with SPS are mysteriously {$75.00} - $ XXXX higher valued than market value when a file is submitted. NO ONE hired by SPS has been in this property recently to review the homes value. 

2 ) SPS violated that Home Owners Bill of Rights in California and likely violated the agreement that the Keep Your Homes California loan placed on the property. The home owner applied for and obtained federal money from the Keep Your Homes California program that was paid to bring this loan current. The initial default on the loan was due to her husband passing away. Once the money was received to bring the loan current, a further hardship was realized when she was laid off from her job. At no time has SPS attempted to reach out to her and attempt any type of workout. 

3 ) As we have come accustomed to .... We expect that the CFPB will get the form letter canned response from SPS that we have seen over and over again. If the CFPB tracks SPS ' response they will notice that they are all exactly the same .... it is interesting that at no time did SPS comply with California 's Home Owners Bill of rights. I also find it very interesting that on ALL of our files with SPS we have had to file CFPB complaints to get them to work on them. We have been told by employees in your company that you are extremely understaffed ... which raises the question ... is SPS simply a foreclosure mill in violation of state and federal law ( as well as defrauding their investors -- which they are doing ). Only giving cash for keys instead of doing a work out is a great way to not have to hire employees to do work outs ... I will hand it to SPS, they believe that they have found a way to circumvent both State and Federal Mandates -- - I would request that the CFPB pull all servicing and correspondence records on this file ... We will be happy to submit address and loan numbers for all of our current and past SPS files to help build a case against SPS. I am sure that if the investors ... who by the way end up paying cash for keys offers to the home owners, would be appalled to know that SPS continually violates State and Federal Statues that may one day result in increased losses to them. I also find it odd that SPS is the ONLY lender that we are current having this issue with non-compliance with State and Federal laws.
Consumer complaint received 2022-09-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Date Opened : XX/XX/15 Balance : {$270000.00}
Consumer complaint received 2016-09-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

My business Merchant account is setup without my intention and fee is charged in ACH withdrawal every month from my business account. I have never / am not using any equipment or services from this account from Santandard bank and XXXX XXXX XXXX. 
Sales Rep XXXX XXXX XXXX from Santandard bank located at XXXX XXXX XXXX NJ tried to sell me Merchant Services for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2016 and I did not agree until I get it on paper and send me so I can review the agreement. She filled up all agreement documents and signed my name on documents and sent me all final documents. I never signed or authorized any person on my behalf to sign those papers. Even my name is incorrect and my signatures are incorrect on all agreement documents which can be verified. 
In last 6 months I have tried several times to reach Santadard bank representative to discuss matter but she never picked up my phone. I contacted XXXX XXXX XXXX to resolve this issue but never got any reply from them. 
I would like to have a lawful action on XXXX XXXX XX/XX/XXXX to do forgery and damages to my business. 
There are XXXX documents to be attached with this complaint.
Consumer complaint received 2022-08-04
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. (FL)

This is my 6th letter submitted to you informing you that I am a victim of identity theft and I complain to question these accounts in my file coming about because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud. 
XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$490.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$260.00}
Consumer complaint received 2017-02-28
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc. (CA)

Both parents passed ( Dad XXXX XXXX and Mom XXXX XXXX ) they had a loan with Reverse Mortgage Solutions. I first tried to get a personal line of credit against my home to pay-off my parents debt, and was not able to get enough money, therefore I put their house up for sale. I contacted RMS by fax ( they told me that was the only way I was to relay information ). I gave them the XXXX number and asked for any extension because they said they would foreclose and take the home. My parents owed $ XXXX, and the house sold for $ XXXX in XXXX XXXX. The Title company contacted them after I faxed my permission, and let them know their was a buyer and an offer. Then the RMS XXXX sent out XXXX letters addressed to each parent, and the Estate telling us they filed foreclosure paperwork. Once the house was in Escrow the RMS send paperwork to the Title company letting them know they were going to charge the estate : Release fee : {$58.00} ; Corporate Advance : {$600.00} ; Monthly Service Charge : {$33.00} ; Outstanding Fees and Costs for Foreclosure : {$1800.00} ( filed on XXXX XXXX ). The house closed on XXXX XXXX, and RMS was unwilling to wait 2 weeks. 
I would like RMS to pay back all fees except release fee ( {$58.00} ) and monthly service fee ( {$33.00} ). 
I was bullied and given so much XXXX to my life while dealing with the loss of both parents ( 6 months apart from each other ) - they were married for 65 years. 
I tried so many times calling, emailing and faxing to talk with someone to understand the loan and explain my situation on getting the house sold. 
My name is XXXX XXXX, Daughter and Trustee to the XXXX estate. My work number is XXXX ext XXXX ; cell number : XXXX.
Consumer complaint received 2017-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BC SERVICES, INC. (CO)

I received a letter on XXXX XXXX XXXX Owed XXXX, account number XXXX From sent BC services For XXXX XXXX XXXX XXXX in my name stating that I Owed. A letter on XXXX XXXX XXXX was sent to BC services to validate the debt. on XXXX XXXX XXXX and itemize bill was sent to XXXX XXXX and not to me .Attachments will be added
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc. (GA)

I need a payoff letter from BSI Financial stating that my loan is for two properties. They claim that one of the properties is the main loan so they only put the that property on there. The problem with that is I want to refinance this loan so I don't have to deal BSI Financial anymore and the the problems I have had with escrow, insurance not being paid, a website that only updates once a month, and confusing statements. 
My loan documents state this is a loan for the two properties so common sense says the loan payoff should include both properties, otherwise the new mortgage company can't do a loan if it appears only 1 of the properties is being paid off. 
I believe they are doing this so I can't payoff of the loan and they can continue servicing it.
Consumer complaint received 2016-10-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (RI)

I messed up a payment and needed to use my overdraft protection for my Santander checking account. I was on vacation at the time, and as soon as I returned went to Santander Bank and paid it off. Since it was a Santander bank and XXXX accounts were Santander. I paid it off in full. i then noticed on line that there was a balance on the credit line. I called the XXXX # and got nowhere in resolving this. I then went to the branch where i made the payment. They told me that the balance was interest that accrued because it took two days to clear. I find that totally unacceptable, since I took money from my SANTANDER checking account to pay a SANTANDER bill at a SANTANDER branch.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rigths to privacy and confidentiality under 15 usc 1681.

The accounts below have violated my rigthts 15 u.s.c 1681 section 602 A. States i have the rights to privacy.

15 u.s.c 1681 Section 604 A section 2, It also states a consumer reporting agency canoot furnish a account without my written instructions 15 u.s.c 1681 c. a ) 5 Section states ) no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adeverse tem of information, other than records of convictions of crimes which antedates the report by more than seven years 15 u.s.c 1681 s-2 A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Delete the accounw below Inquiries 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 2016-09-22
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (MO)

I entered into a Home modification loan to enable me to keep my home. I had rented my home out and had a hard time getting my tenants to move including taking them to court, so the house payment was not made for 2 years. I was going to just give the house back to Wells Fargo but decided to keep it and do this modification. In the long run it went thru but they said by the time they tacked on the fees and interest etc, my new loan was going to be for {$230000.00}, how can this be? The house is not a XXXX home. Can someone explain if I got took or not?
Consumer complaint received 2016-12-28
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Solutions To Portfolios, LLC (KS)

I have paid STP Management Group {$2200.00} for a debt that XXXX XXXX loan has no record of and now a XXXX company is calling ( very threatening ) to collect on this same debt.
Consumer complaint received 2024-01-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (NM)

On XX/XX/XXXX I called American Credit Acceptance and made my monthly car payment with a representative of that agency by paying with a check over the phone confirmation # XXXX. On XX/XX/XXXX I received a text saying that check was returned due to insufficient funds. I called on XX/XX/XXXX to tell them this was a mistake there were funds in that account and was told that my XX/XX/XXXX payment had gone through and my next payment was due on XX/XX/XXXX. I got a text from ACA before my XXXX payment was due saying my account was 30 days past due. I called and spoke to several people at ACA and ultimately spoke to the manager, XXXX, who stated that they probably entered the information wrong and that's why check was returned. I asked for to listen to the call on XX/XX/XXXX where the representative said my XXXX payment was ok and my next payment was due XX/XX/XXXX. XXXX said she did not hear that part of the call and that she would have someone else listen to the call and she would call me tomorrow ( XX/XX/XXXX around XXXX ). This now means I owed over {$2000.00} for my car payment this month which I don't have, it will affect my credit score and I will have late fees because of a mistake in their end and me being told by ACA that my XXXX payment had gone through. I have the call with XXXX the manager recorded. She said they keep their recorded calls for at least a year because I did not want it to mysteriously disappear.