davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

n XXXX, I went through a divorce and I tried to stay in my house with my kids but found I couldn't afford it. I have since moved out and was willing to let it go into foreclosure and then I had a conversation with Select Portfolio Servicing ( SPS ) about the possibility of a short sale. SPS is servicing the mortgage for the investor but no one can tell me who exactly the investor is or how to get in touch with them. I have had several offers and they keep getting denied by the investor. I owe {$100000.00} on the house. The house needs some work and there is a cash offer of {$85000.00} waiting now that they keep denying but SPS tells me there is no way for me to get in touch with the investor who makes the decision. I don't see how this is even a possibility. If someone is making a decision that affects my life, I should be able to contact them in some way. Also, the mortgage company tried to file a claim on my homeowner 's insurance saying there was vandalism and that is not true. The realtor that SPS put me in contact with even said that he has pictures he took of the house from XX/XX/XXXX when he first listed it and nothing has changed. His words were " it is still in the same state of disrepair ''. I believe whoever tried to file that claim was trying to get my insurance company to do the repairs needed on the house by stating it was vandalized. It was not vandalized and I have since dropped the insurance on the house because I can't legally stop the mortgage company from filing a claim because they have an insurable interest in the house. I am not sure what to do and why the investor keeps denying a short sale but I can not find a way to get in contact with the investor. I keep getting the run around. The final court date for the foreclosure is set for XX/XX/XXXX and I don't understand why they would rather foreclose on it than take the cash being offered.
Consumer complaint received 2018-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

Santander USA is not reporting the date the account became delinquent and after which it was never brought current. XX/XX/XXXX, I made my last payment to Santander. That payment was for XX/XX/XXXX. I paid Santander over {$11000.00} dollars and all I was paying was interest. 
XX/XX/XXXX, the account became delinquent and never became current. Santander is reporting XX/XX/XXXX, as the date became delinquent and never became current.
Consumer complaint received 2020-08-19
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (IL)

The XXXX Visa Card ( offered through Barclay 's ) for the past 2 yrs has had a 4-3-2-1 rewards category scheme with a cash back option. People have been approved for credit cards, agreeing to these terms and conditions literally up to this morning ( XX/XX/2019 ). For them to unilaterally and forcefully change the entire rewards system ( for many people less than 6M after signing up ) so that 1. the rewards categories change and 2. ( most importantly ) that there  is no longer a cash back option with no opt-out of the changes is preposterously criminal to the people that signed up for the old terms and conditions. People sign up for credit cards and agreements with the expectation that the conditions they sign up for will be respected. A company is entitled to change their conditions, but should do so for future customers and not the ones that signed up under the old conditions ( or offer an opt-out of the new changes ). For them to then change those conditions for some people less than a day after being approved is a stark abuse of power. Especially, considering the opposing consumer side is powerless to disagree because there is no opt-out option, and if the consumer were to cancel the card, their credit score will suffer causing reverberating effects. A rewards system is an integral part of the critical decision to open a credit card account ( which can have drastic effects on a consumer 's life ), and should not be subject to whimsical unilateral changes whenever a company wants. The  implications of such are obvious, enabling companies to impose drastic financial burdens on their consumers without consumer input.
Consumer complaint received 2020-10-12
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. (IL)

Experian is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX  XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX not mine
Consumer complaint received 2017-12-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capital Management Services, LP (OH)

Capital Management Ph # XXXX All creditors have been notified to contact my Debt Settlement Attorney XXXX XXXX at XXXX. 

YET XXXX/XXXX/XXXX Capital Management Called my personal cell and left a voicemail.
Consumer complaint received 2023-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WI)

On or about XX/XX/XXXX, I submitted a notarized power of attorney to Chase bank in XXXX. I wanted to remove my mother from the account she died on XX/XX/XXXX and list as POA for my father. I was informed by their employee XXXX XXXX that Chases attorney could not accept the document because the year was missing where my XXXX father signed. I asked '' All I need to do is fill in the year and resubmit the document. He responded, yes, you don't have to come down to the office again you and email it to me. I did exactly as I was instructed. Now Chase attorneys says the document has been altered and no is longer acceptable. My father is now XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want Chase to take responsibility for their actions and stop holding an elderly XXXX man 's money as ransom, remove my mother and list myself on the account as POA.
Consumer complaint received 2024-02-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter finds you well. Over the past several months, I have noticed a pattern of late payments on my credit report XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , and XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Unisa, Inc (NY)

Complaint Pertaining To : Collecting account information from and having contact with the owner of my student loan, UNISA , INC. ( www.unisainc.com,  XXXX ) I am extremely concerned about fraud with this company. 

On XX/XX/XXXX, I signed a disclosure statement at XXXX XXXX College of XXXX stating my understanding of undertaking a Federal Perkins Loan for {$3500.00}. Initially, the loan was owned by XXXX XXXX XXXX ( XXXX ), but was transferred to UNISA , Inc. on XX/XX/XXXX. 

Besides an initial letter and one quarterly statement I received on XX/XX/XXXX, I have received no correspondence from UNISA , Inc. They have a website, but it's links are non-functional. I emailed them earlier this month ( more than 14 days ago ), and no one has contacted me. No one answers their customer service line. I can not log in to their website because the website is telling me I have no account, but the link to create an account does not exist. All I want is access to my account to ensure that I have full understanding of how my payments ( which come out monthly despite not being able to contact the company ) are being applied to my loan.

Please investigate the legitimacy of this company and advise on this issue as soon as possible.
Consumer complaint received 2019-10-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (AL)

Dear : Sir or Madame, Re : XXXX - XXXX XXXX XXXX, XXXX, Al XXXX Re : CFPB Report Number : XXXX ( XXXX XXXX ) Freedom Mortgage purchase my home loan, which was past due and in default from XXXX XXXX. I was in the process of having my name and responsibility removed from the mortgage being carried by XXXX, due to fact the home belonged to my ex-spouse as part of the divorce settlement. Also, as part of the divorce settlement, I was to pay my ex-spouse the amount of the mortgage for 3 years, which I did and continue to do, with the hopes that she is paying the mortgage on time. 

By your company ( Freedom Mortgage ) purchasing a bad mortgage and then reporting to the credit agencies that the mortgage is past due and in default, your company has created an undue, unjustified and hardship burden upon me. 

Freedom Mortgage has been sued by the CFPB, XX/XX/2017 for consumer fraud and mortgage deception. My complaints to Freedom Mortgage regarding my mortgage and the issues involved with it, date back 3 plus years. 

The NJ Attorney Generals Office is reviewing the business practices of Freedom Mortgage. I have provided information regarding my mortgage complaint to both the New Jersey Attorney Genera and the XXXX XXXX XXXX 

Please have Freedom Mortgage stop reporting this bad Loan / Mortgage ; stop reporting the delinquencies / past due amounts and days to the three credit reporting agencies. 

v/r
Consumer complaint received 2019-10-28
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)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2017-08-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA (CA)

My monthly bill is way to high for me to pay. I am still enrolled in XXXX  school and have no income aside from the stipend I receive from the university. I have explained this to AES, asked for forbearance/ deferment/ income-based repayment. They have denied my request to stop or lower my payments because my account held a past due balance. I missed three student loan payments on two student loan accounts on with AES, and my credit score dropped from XXXX to XXXX because it was recorded as being 6months delinquent! This is not fair because I go to school in one of the most expensive cities in the country, I have to pay rent and eat, and AES refuses to acknowledge that I am not employed or able to pay the loan back right now. They have taken punitive measures to damage my credit, and it 's not going to make me graduate, find a job, and repay them any sooner.
Consumer complaint received 2020-10-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have 3 fraudulent wire transfers on my Bank of America checking account. First, on XX/XX/XXXX for {$25000.00}, second, on XX/XX/XXXX for {$4900.00}, & third on XX/XX/XXXX for {$2000.00}. I have never done any international wire transfers from my account and this was done to a bank account in XXXX to someone I have no knowledge of. My banking details were supposedly leaked as a result of a virus on my laptop, which I have since remedied. For someone who has never done any wire transfers, for these to go through, especially these big amounts, is not normal and shouldve been flagged. Bank of America said they texted me a secure pass code which I never received. I received a call asking for my call history and the virus report which they told me Id have time to get ; they denied my claim the same day saying it was my negligence. I am a victim of fraud. I even filed a report to the XXXX  and XXXX XXXX. Bank of America also wont send me the documents or the basis behind their claim. I have already consulted an attorney, & if this isnt resolved, we will be suing. And I will take my banking business elsewhere
Consumer complaint received 2017-08-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (VA)

My name is XXXX XXXX, I am a retireted XXXX XXXX XXXX veteran that thie country 24 years. I have owned my home about 7 and half years and i have dealt with many banks before this one. An I never had any problem paying my motgage payment on time until now. i have just re-finance home 6 months ago. At first dealing wit freedom mortgage i requested to direct -deposit they said no ; in which i thought it was odd not to do this because i thought every bank want their right -o-way but they did not want to. So. freedom mortgagae {$15.00} plus the {$1500.00} I KNEWW they were crooked my thoughts this bank is about taking consumers money. NOT HELPING or providing any care but to steal, take foreclose your house.I tiry using the computer and I USED THE computer every time I LOG IN the computer would asked a pass word and then it would not allow me in so the system was not computer friendly.XX/XX/XXXX I sent my payment on this day by mail. Freedom Mortgage did cash my payment until XX/XX/XXXX. Now, I expected the to there XX/XX/XXXX. and it should have, because it does not take 3weeks to cash a check. Something is wrong, I beleive they trying sabotgae my by forecloseure and discredit me and dissrtess me This is worst bank in the world. and i like deal with another bank,.
Consumer complaint received 2020-10-12
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: AmeriCollect (WI)

AMERICOLLECT INC Original creditor : XXXX {$330.00} I recently reviewed my credit report and noticed a fraudulent medical bill on my account. I filed an ftc report, police report and sent this information to the original creditor and credit bureaus. Nothing was done. I also notice unauthorized inquiries on my report from XXXX XXXX XXXX.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. CHAPTER XXXX BANKRUPTCY DISHCARGED
Consumer complaint received 2017-12-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (IL)

The University XXXX XXXX sent my unpaid tuition charges to a debt collector ( XXXX XXXX XXXX ) after I dropped out but did n't tell me I had an unpaid balance that my loans did n't cover. When the collector contacted me, they demanded my personal information without telling me who they were and repeated to call me every day up to 4 times a day without telling me who they were, always on a different phone number. 

Finally I figured it out and set up an automated payment with them for a year but then I got laid off in XXXX XXXX so I called them to stop payments. They told me that I should call them back when I get back on my feet. They continued to call me every week, always a new person who would not identify themselves and demand my personal information. I repeatedly told them I am laid off and looking for work and they told me to call them when I found a job. 

XXXX months later, they still call me at least once a day, sometimes XXXX times, every day. They wo n't stop no matter how many times I tell them to stop.
Consumer complaint received 2023-01-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: HEARTLAND PAYMENT SYSTEMS INC (KS)

FTC My family business was using TSYS to process credit card transactions but switched to a different provider about two years ago. Unbeknownst to us, TSYS continued to withdraw fees from our bank account every month. We called them on XX/XX/2022 after receiving emails about being out of compliance. This was strange to us since we were not aware at that point that we still had an open account. On that phone call, we thought we had closed our account and therefore would stop being charged. However, upon reviewing our XXXX bank statement, we discovered they had charged {$750.00} that month and {$410.00} in XXXX, after we officially closed the account. When we called TSYS again today, they revealed that there were two other accounts under our business name and that the first one still wasnt closed either. We were not aware at any time that there were multiple accounts nor that we could be charged such outrageous fees without ever using their service or even being aware of the accounts existence. TSYS refused to issue any refund or even close the additional two accounts retroactively, making a number of excuses as to why they couldnt do so. It should have been obvious when we called the first time that any accounts under our name should be closed, especially since there had been no activity for many months and we were adamant about not being charged any more. At the very least their representative should have identified any other open accounts under our business name so we could address them all at the same time. Now they want to charge us again in a few days, claiming the charges are for XXXX and since we didnt cancel before XXXX we owe them fees for noncompliance. This is nothing but a predatory shakedown by a big bank that has cost us {$16000.00} over two years, for nothing! They have provided no service. They simply claim they can grab money from our bank account for being out of compliance on accounts we either thought were already closed or didnt know existed. How many other small businesses are they ripping off? This warrants a full investigation.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, : XXXX # XXXX, XXXX # XXXX XXXX : # XXXX XXXX  # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX  XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX  # XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.