davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MD)

First and foremost as the natural living man born from natural living people I am enforcing my rights as a consumer. Southwest Credit Systems continues to furnish Incorrect and inaccurate information to the consumer reporting agencies. Southwest Credit Systems has sent me documentation violating 15 USC 1692 b saying I owe a debt. Simply put I have never giving Southwest Credit Systems any verbal or written permission. I have not given my consent and by definition without consent it is considered identity theft if a company uses my ssn without my written permission. This company has committed fraud by retrieving my personal information from another company that I did not give permission to. This company is deliberately undermining my personal private information. I dispute and disagree with any allegations I owe Southwest Credit Systems or any other company debt and I am putting Southwest Credit Systems on official notice of their wrongdoing and want to be compensated for their fraudulent actions and violations According to 15 USC 1692b and 15 USC 1692c. If Southwest Credit Systems believes I have contracted with them I demand proof showing that I granted their company permission and the right to furnish Incorrect inaccurate information on my report according to 15 USC 1681 b2.This company has damaged me with its inaccurate reporting and I have been denied such opportunities to obtain a car home and other opportunities for my family due to their negligent inaccurate incorrect reporting. Therefore I demand Southwest Credit Systems to cease and desist and delete their report on my Consumer Report. If Southwest Credit Systems believes I have contracted with them I demand proof showing that I granted their company permission in writing to furnish my information according to 15 USC 1681 b2. As the original creditor and consumer I demand a senior executive of Southwest Credit Systems to provide a notarized affidavit saying I granted their company my written permission contracting with them. If they will not provide that information I want that report to be deleted from my consumer Report and I want to be compensated for their violations of the FDCPA, FCRA and the US codes mentioned above. If they will not comply I will proceed in federal court as well.
Consumer complaint received 2015-05-08
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (MO)

I sell on XXXX. I have to use paypal as part of their requirements. Paypal when you purchase something takes the money immediately out of your bank account. However when depositing they take sometimes up to 6 days if it falls on a weekend. Then my credit union holds the money sometimes a day. I buy and sell so not having my money in my hand is hurting cash flow. I believe this holding money is a significant drag on the economy and there is no justification for such a long delay. The banks also do this when wiring money from bank to bank or processing a refund on a debit card. Is there a law that limits them. Is there anything you can do to speed up this process. Thank you
Consumer complaint received 2017-03-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Charleston Area Medical Center (WV)

There is a {$1.00} charge on my credit report. I contacted Health Care Financial XXXX ans was informed they do not have balance of {$1.00} on any of my accounts with them. All accounts were paid off in XX/XX/2016.
Consumer complaint received 2015-06-09
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (PA)

Paypal will not release my funds since XXXX/XXXX/15, withholding for 180 days until XXXX/XXXX/15, unlawful violation of " Regulation CC ''. XXXX XXXX, acct # XXXXXXXXXXXX, XXXXXXXXXXXX, XXXXXXXXXXXX. My contact number XXXX.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I do not have the date, but I had previously written them to remove address XXXX XXXX XXXX, XXXX, TX XXXX when I supplied them with the updated address of XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX Addresses were correct for awhile, but now the XXXX XXXX XXXX that I no longer even rent, was used to mail the credit report which concerns me and reappears, wrongly, on the report # XXXX for XX/XX/2022. 

Also, incorrect telephone numbers, previously removed, have reappeared : ( XXXX ) XXXX and ( XXXX ) XXXX. 

I am concerned about the volume and frequency of errors so, accordingly, would like free credit monitoring from Experian on a permanent basis as a result.
Consumer complaint received 2016-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (CA)

We sold our home and the mortgage was paid off through XXXX XXXX XXXX on XXXX/XXXX/16. Several weeks later I was contacted via phone by Round Point Mortgage saying I owed them an additional {$400.00}, that the pay off had been short. I contacted the title company and they requested something in writing to show the shorted amount so it could be paid. Round point would only tell them to wire the money to the same place as the rest of the pay off but would not submit any proof of the shortage. Both myself and the title company have made multiple attempts to get speak with the mortgage company. Usually being on hold for near an hour at a time. They will not send me my escrow balance. Per the attached documents you can see the the loan was paid in full. My escrow account has a balance of {$1600.00} and a month after the loan was paid they are trying to take money from my escrow balance to pay principal and interest in the month of XXXX when there is no loan to pay on. I am seeking help in getting the full balance of my impound account.
Consumer complaint received 2022-02-09
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: Credit Systems International, Inc. (TX)

I am the federally protected consumer. I am not being coerced by any third party agency. I have more evidence in regards to this company 's willful negligence. I am aware they are attempting to collect on behalf of someone else, however, this company is furnishing inaccurate information furthermore violating my federally protected rights as I never gave permission to them directly to furnish anything to my consumer report. They are also furnishing transactions and history between a creditor and I, which, according to law should be excluded from consumer reports. This company is a VIOLATOR!
Consumer complaint received 2015-07-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I had a bank account with Bank of America. Since I am not XXXX I was using it not often. My XXXX address was reported to the bank and I was receiving monthly statements. 
The account was free, as well as using cards. 
Than, few years ago the statements stopped to be send to my address without any warning. 
I tried to log in via internet, but I could not ... later I learned my account was blocked and moved to " frozen accounts ''. I had no statements, no internet access and without any information bank introduced a monthly fee of XXXX I had no idea that over years - XXXX of USD were stolen by the bank from my account. So without any information I was introduced a fee, to an account which usage was blocked to me and any track of charges were hidden ( no statments sent ).
Consumer complaint received 2022-02-09
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: ALLY FINANCIAL INC. (CA)

Ally Financial continues with the systemic institutional XXXXXXXX XXXX, and XXXX inequality treatment by improperly ordering a unauthorized hard credit inquiry ( twice ) in one day of my credit report WITHOUT my signed authorization. Per the F.C.R.A. either have them provide a signed authorized credit application document with my authorized signature, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports.
Consumer complaint received 2016-04-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Westside Recovery Services, LLC (CA)

Westside Recovery SVCS is reporting a collection account but will not validate the debt. I had / have insurance so I have asked for an accounting of what they say I owe and they have ignored me but continue to report it on my credit report. I had disputed this with the provided prior to it going to collection.
Consumer complaint received 2023-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Fraud charges made on my debit card linked to my checking account. I reported it right away to my bank. My bank stated there was insufficient evidence to prove the transactions were fraud. They were international transactions that I did not make. Charges were : XX/XX/23 {$1000.00} merchant : XXXX XX/XX/23 XXXX merchant : XXXX XX/XX/23 {$530.00} merhcant : XXXX I was unable to reach these merchant because the transaction statements had no number or website connected to them. 
I called my bank numerous times for the credit refunded. They stated to wait 10 days. Nothing happened. I called again and was told over the phone my dispute had insufficient evidence. I wrote an appeal letter and also emailed an appeal.
Consumer complaint received 2015-03-30
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: BARCLAYS BANK DELAWARE (NY)

I added Barclay 's Bank as an external account to my XXXX Checking Account. I set-up a transfer on XXXX to be delivered on XXXX of {$1000.00} from XXXX to Barclays. On XXXX I called XXXX because I realized Barclays would reject the transfer. The person I spoke to attempted to REVERSE the transfer and somehow deleted Barclays as a transfer option on my XXXX account. On XXXX it appears the {$1000.00} transfer was rejected and returned to XXXX AS EXPECTED. However on XXXX a transfer was made of {$1000.00} - it appears XXXX was trying to pull {$1000.00} from my Barclays account. This {$1000.00} is missing. I have been working with Barclays and XXXX since XXXX and both keep pointing fingers at the other and claiming it is not THEIR problem. I went into a XXXX branch, hoping to get some help, but basically the person I spoke with called the XXXX # and after wasting a lot of time, received the same response I received from XXXX 's XXXX # - which is we do n't know what you are talking about we do n't see the transaction. I 've asked Barclays for reference numbers but they keep giving me XXXX ach tracking number - which coincides with the ACH transaction number XXXX has used to account for the REJECTION of the funds but Barclays claims that is the only tracking number they have. The ACH number Barclays refers to is supposed to be for the TRANSFER but XXXX calls it a return and Barclays says they have no record for the RETURN/REJECTION of funds - just this transfer ACH - which again XXXX calls the rejection number. However my account at Barclays is missing {$1000.00} and in almost a months time neither bank seems to care or take any responsibility for this error.
Consumer complaint received 2017-03-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: United Collection Bureau, Inc. (IL)

I continue to receive bills from the United Collection Bureau for XXXX XXXX. I have requested in writing that the United Collection Bureau to stop contacting me per CFPB guidelines and instructions and continue to receive notices. They said they would stop contacting me then the identity theft debt was transferred to another collection agency, I contacted them to stop contacting me in writing again, and then the identity theft debt must have been transferred back and now I am receiving notices from United Collection Bureau again
Consumer complaint received 2015-08-02
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (NY)

I hAve XXXX hard inquiries that I have not done. 
XXXX XXXXXXXX EquifaxSays made XX/XX/2015Please Investigate and take off my report. I am trying to fix my credit not damage it.
Consumer complaint received 2016-08-23
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I am starting to be harassed by Capital One credit card collections. I do not want any harassing collection phone calls from Capital One. I want this collection action by them to cease and desist from now on. My roommate has XXXX and needs his peace and quiet from these annoying calls. Capital One has already made to harassing calls on a daily basis.
Consumer complaint received 2021-09-02
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: HCFS Healthcare Financial Services of TeamHealth (TX)

The ARS Account Resolution that is listed on my report is inaccurate. There is no address and I have never heard of the company much less ever had an attempt to contact. There is no address or phone number for them either.
Consumer complaint received 2020-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

The lease company XXXX has been lying and denying my rights and at this time I have been XXXX against. XX/XX/2020, I contacted XXXX credit and was told that if I paid XXXX then I could use their service in the future but if I settled I could not and was told that if I settled the account could be deleted at my request. In XX/XX/2020 I was advised that I couldnt have it deleted even after the settlement. In XX/XX/2020 I asked if I settled if the account could be deleted and I was advised yes once settled they could send a request to have the account deleted from my credit report. However, I have continuously disputed the information and have been advised that on this very call back in XX/XX/2020, that I was never advised that if I settled the account would be deleted. I would like to have the call subpoenaed because they have been lying and providing the CFPB with lies and WRONG information and this is discrimination because of paid less and for other XXXX reasons. The account is being reported as a VEHICLE LEASE on my credit report and this is wrong. Im going to sue. I think that this company has treated this account unfairly so please review their trade-lines with other customers and determine if they have been deleted for other customers after a settlement. I just keep getting the same lies and Im going to sue and have the call back in XX/XX/2020 subpoenaed. They will wish they deleted this tradeline when I get this call subpoenaed from XX/XX/2020. My rights as a human being and As A consumer has been violated.
Consumer complaint received 2015-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (NJ)

Recently on my credit report I see a record for " Caliber Home Loans ''. The credit item shows a status of " Derogatory ''. I have called the number XXXX listed on my report for this company. I get a representative who asks my name and when they try to verify my address I explain I have never done business with them. the Rep will hang up on me. I have researched this company name and at one time it was called " Vericrest ''. Four years ago I had a mortgage with Vericrest Financial but sold my home for a profit. This company is reporting a derogatory item on my report when I have never done business with Caliber homes. The Vericrest Mortgage was closed four years ago as a sale. No foreclosure, a sale for profit. Each time I call Caliber as soon as I provide my name they hang up on me. I want this company to remove and stop reporting bogus info about me to the credit bureau.
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

My mortgage servicer, Select Portfolio Servicing , Inc. ( " SPS '' ) has since about XXXX claimed to be the authorized servicer of my mortgage, Security Deed and Promissory Note, on behalf of XXXX XXXX XXXX Bank, XXXX. the successor in interest to XXXX XXXX XXXX XXXX EXHIBIT A. 
In fact, on XXXX XXXX, XXXX, XXXX assigned all rights and powers under my mortgage, Security Deed, and Note to the Bank XXXX New York. EXHIBIT B. 
SPS never notified me that my mortgage, Security Deed, and Promissory Note had been assigned and transferred from XXXX XXXX XXXX Bank to Bank XXXX New York. 
SPS never told me that, after XXXX XXXX, XXXX, that only the designee of the Bank XXXX New York, AND NOT SPS, was authorized to act on behalf of Bank XXXX New York with respect to my mortgage, my Security Deed, and my Promissory Note. 
Instead, SPS falsely, fraudulently, illegally and wrongfully continued to act after XXXX XXXX, XXXX, through to the present day, as though SPS was authorized by the Bank XXXX New York with respect to my mortgage, Security Deed, and Promissory Note when SPS was not so authorized. 
On XXXX XXXX, XXXX, XXXX recorded a second " Corrected Assignment, '' which assigned all rights and powers under my mortgage, Security Deed, and Promissory Note to " XXXX XXXX XXXX XXXX XXXX XXXX. '' EXHIBIT C. 
In consclusion, since XXXX XXXX, XXXX, mortgage servicer SPS has fraudulently, falsely, wrogfully, and illegal represented itself as being authorized to act as mortgage servicer for my mortgage, Security Deed, and Promissory Note when SPS was not so authorized, and I have been greatly damaged thereby. 
In connection with SPS 's misrepresentations, I have repeatedly requested in writing, by means of valid QWR 's, documentation setting forth SPS 's conduct and for an accounting as mortgage servicer of my mortgage, Secuirty Deed, and Promissory Note. SPS has violated RESPA, XXXX XXXX. XXXX XXXX XXXX XXXX, by failing and refusing to provide an accurate report of and accounting for its actions as mortgage servicer of my mortgage, Security Deed, and Promissory Note. 
SPS ' failure and refusal to take corrective action with respect to an accounting for and the proper servicing of my mortgage, Security Deed, and Promissory Note also violates the Fair Debt Collection Practices Act, 152 U.S.C. XX/XX/XXXX, and I have been greatly damaged thereby. 
SPS has been wrongfully threateening me with foreclosure over an arrearage of mortgage payments, the amount of which SPS has greatly exaggerated by ignoring the fact that the Note is an interest-only note.
Consumer complaint received 2016-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MA)

I requested Debt Validation from XXXX XXXX XXXX. 
XXXX never responded. The credit reporting bureauXXXX, continue to show this invalid debt on my report. I would like XXXX to remove all references to this account. This Validation was sent more than two years ago and no response as of yet.
Consumer complaint received 2015-04-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

I filed bankruptcy on XXXX XXXX, and my mortgage loan with Bank XXXX XXXX XXXX XXXX was reaffirmed. 
Since XXXX XXXX, I was unable to pay for my mortgage due to financial difficulties. XXXX XXXX XXXX reinstated the mortgage loan since XXXX XXXX. 
I have been paying on time my monthly mortgage of {$3400.00} since XXXX XXXX. My current balance is {$460000.00} with an adjustable mortgage loan. 
I have been contacting XXXX XXXX XXXX to report my mortgage loan to all the credit bureau and they are refusing even though I provided them a copy of my bankruptcy report. My lawyer also contacted XXXX XXXX XXXX to explain to them that my mortgage loan is a valid debt and was reaffirmed. 
It is now impossible to refinance with XXXX XXXX XXXX or any lender for that matter. 
I am please asking you to help me resolve this issue with XXXX XXXX XXXX. 
Thank you for your cooperation and understanding.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONLINE Information Services, Inc. (KS)

On XX/XX/XXXX I paid XXXX On XX/XX/XXXX I paid the remaining XXXX They spelled my first name incorrectly which may be the problem in part but it needs removed from XXXX. I have my reference number and documents to support my complaint.i have disputed it 6 times to no avail. 


Please help I'm n need of a car loan I was denied due to this infraction on my report. The collector is Online Information Services. 

Their reference # XXXX to find my account PIN XXXX
Consumer complaint received 2017-02-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

I am once again filing a complaint for Select Portfolio servicing out of XXXX, Utah. 
My loan they claim they are servicing has XXXX as the trustee. Select portfolio is also owned by XXXX. XXXX these banks have, as late last year, agreed to settlements due to fraudulant mortgage practices and have agreed to help the borrowers as part of their settlement. I called Select Portfolio to see if my mortgage would be part of the settlement. I have tried for many years to get a fair modification from Select Portfolio. They claim to have no idea about how the settlement would work or if I am a part of it. I have sent documents, as instructed by both XXXX and XXXX XXXX, to find out if the trust my loan is part of will be getting funds from the settlement. 
In the mean time, although I had talked to Select Portfolio telling them what I had done and that I would not be hearing from either bank for a couple of weeks, they have foreclosed on my house. The sale date is XX/XX/2016. I believe I should not be foreclosed on while I wait for information on settlements from XXXX banks that select portfolio is heavily involved with and I demand they hold off on the foreclosure process until they know if my loan is part of the settlement from their parent company, XXXX XXXX or from the trustee bank XXXX.
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (VA)

I had a mortgage loan that was foreclosed on in 2012. There were two loans issued by the same bank when they foreclosed they were supposed to satisfy the debt owed on both loans. They are still reporting the second loan as delinquent and with a balance due even though it is illegal under California laws. The loan was issued by XXXX XXXX XXXX.