davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-25
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Allow me to once again respond to Select Portfolio Servicing 's ( SPS ) false claims. 

SPS states, " We have billed for Brokers Price Opinions, Property Inspections, Foreclosure Attorney Fees and Foreclosure Costs. These items are allowed under the terms of the origination documentation, and the Estate is responsible to repay the fees. '' First of all, SPS never made a legitimate claim against the estate of XXXX XXXX XXXX, so I'm not sure how the estate can be responsible for anything SPS alleges. Secondly, SPS has been in frequent contact with executor of the estate. Property inspections are unwarranted and fraudulent per previous lawsuits filed against SPS. Also, BPOs are riddled with errors, e.g., the property has no well, one BPO has repairs needed, others do not, property is not the property described in any of the alleged notes and several state 1.5 acres and others state .25 acres. BPOs are completely fabricated and erroneous. And thirdly, persons conducting inspections are trespassing on private property by their own admission. Although they state they leave pamphlets at the door, not one has been discovered. Cease and desist any and all inspections/BPOs immediately. 

SPS states, " Please know that the XXXX County disbursements reflected as paid prior to the county receiving our payments, and as a result, the payments we sent have been voided, and the funds were retrieved on the escrow account as of XX/XX/XXXX. '' Not sure how that can be, there is no escrow or account. SPS admits they closed an escrow account based on executor 's request due to the fact it was erroneous. 

SPS states, " Please know that correspondence is being sent to the property address of XXXX XXXX, XXXX, NY XXXX. '' Correspondence has never been sent to address SPS states. There is no mailbox at that location. A completely fabricated statement. 

SPS states, " SPS is confident that the servicing of the loan by SPS has been compliant with all applicable state and federal regulations. '' Not sure that is the case. On XX/XX/XXXX, the Estate of XXXX XXXX XXXX received correspondence from SPS stating, " ... This letter is to notify you that the ownership of your mortgage loan has changed. The terms of your mortgage loan have not changed ... '' " ... The ownership of your mortgage loan has been transferred to XXXX XXXX XXXX effective XX/XX/XXXX. XXXX XXXX XXXX does not make mortgage loans but instead purchases, or is otherwise assigned, mortgage loans from lenders and other entities ... '' If that is the case, then why is there a XXXX XXXX XXXX Assignment ( XXXX ), holders of XXXX XXXX XXXX, dated XX/XX/XXXX filed with the XXXX County, XXXX  XXXX XXXX. This assignment is fraudulent and needs to be removed from County records, along with a Corporate Assignment of Mortgage, dated XX/XX/XXXX. SPS has been made aware and is aware of my disagreement with these erroneous documents. Please remove immediately.
Consumer complaint received 2018-02-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MD)

On XX/XX/XXXX, I wrote all three credit bureaus requesting that Midland Credit Management , Inc validate the debt on my credit files. The credit bureaus said the accounts were verified, but never provided how they verified the accounts with documentation which I requested in my letter to them with in 30 days. I received correspondence from Midland Credit Management on XX/XX/XXXX, in response to the XX/XX/XXXX, letter to the credit bureaus. They mailed an itemized print out of charges that are not familiar to me. They didn't provide the original contract or anything with my signature, no copy of their license to show me that they are license to collect money in the state of MD. Then they requested information from me regarding my dispute and stated that if its in error provide documentation. So in other words they want me to do what I asked them to do which is validate the debt. Also, an itemized statement does not prove nor validate the debt on my credit file. 

15USC 1692c ( a ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- 15USC1692f states that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Consumer complaint received 2019-08-21
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. (GA)

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello, We know that we're victims of mortgage fraud dating back to XXXX. We've tried numerous times to obtain info/documents from Countrywide, Bank of America and XXXX XXXX  but we never received any material that would state clearly the documentation and how the funds added up to the current total. In short, we purchased our home around XX/XX/XXXX with XXXX Mortgage for {$240000.00}. We refinanced on XX/XX/XXXX with Countrywide Home loans for {$250000.00} and took out {$32000.00} cash out, bringing our total mortgage to ( {$280000.00} ). Sometime around XX/XX/XXXX they ( Countrywide ) called and said the rates had dropped and we could get better payment terms, so we went back and refinanced but we don't recall taking out a {$36000.00} line of credit ( never used ). Some kind of way on XX/XX/XXXX they processed another {$61000.00} line of credit and ( to this day we haven't seen a XXXX of this money either ). Then around XX/XX/XXXX they sold or transferred the loan to some company named XXXX. ( never heard of them ). Now the balance is .... {$470000.00}. This is all so confusing!

For many years ago we tried diligently to get information about from Countrywide and this XXXX  about this
increase but we " never '' got answers, so I continued to make mortgage payments because I would not have my family put in the streets, ( I was in XXXX from XXXX until XXXX ). 

After all these years we recently had an associate of ours find documentation about our loans and according to one of the documents we possess, we see that the loan balance increased to ( {$470000.00} ) when XXXX acquired the loan.

Since our associate finally took the initiative to help us, I'm confident contacting you is our only choice to get justice, so now finally we want to get to the bottom of this fraud. This is the first time in XXXX  years that someone actually attempted to help us, so now we need YOUR help. Please pursue this issue for us. We've been making payments since XXXX and our current balance is {$440000.00} and we've NEVER missed a payment in XXXX  years. Can someone please help XXXX XXXX  XXXX  out??? The numbers just don't add up for us on a {$280000.00} loan. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

Around XX/XX/XXXX, I set up online monthly automatic payments for my mortgage with JP Morgan Chase Bank. On XX/XX/XXXX, then found out that my credit score dropped XXXX points and I investigated why. Turns out that after XXXX setup automatic payments through the online portal, for some reason the money wasn't being taken out and this had a huge impact on my credit score. 

Upon finding out the account was past due on XX/XX/XXXX, I immediately paid the full balance for XXXX and XXXX and became current on all payments. 

I was never contacted by chase via phone or email so I was unaware of the late payment that was due. 

I had more than enough money in my accounts to easily cover the mortgage and would gladly have done so if I was notified, which I was not. 

I am always on time and prompt in payments and have never had an issue as my record will show. 

This was an error in their online payment system and I suffered a XXXX point credit score hit as a result. 

I demand that this late payment be removed from my credit score as this was a result of their faulty online payment system setup.
Consumer complaint received 2022-01-12
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CCS Financial Services, Inc. (NE)

For the last 2 weeks I have been trying to find out why I owe XXXX. In the process of doing this, I have been treated quite poorly.hung up on, cold transferred, told I must be so very bored must be why Im calling..reps refuse to write accurate notes, overtaking, etc. 

I have told numerous supervisors that when reps become polite and respectful, I would and will be happy to discuss this debt.no return calls from any supervisor to date. 

With my Severe XXXX, dealing with these blatantly rude reps and supervisors is causing me a great amount of distress. 

I am very sick and tired of reps being rude and condescending. 

I had requested that this company ask XXXX exactly what the bill was for as I paid XXXX via bank automatic withdraws every month. 

After a month of not hearing back from this agency, I called and was told that I refused a letter from XXXX am so very confused.and will not tolerate these rude reps any longer. 

Respectfully, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-08-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: McKenzie Management LLC (NC)

On XXXX I had a withdrawl from my Apple Cash account in the amount of $ XXXX. At the time of this withdraw I already had a XXXX balance in my apple account, so I was then charged $ XXXX from my personal debit card since it was linked to my apple id. At the time of the transaction, I was well aware of what was going on and was authorizing it. The money was being subtracted from my personal checking account and being fed through Apple cash and going to the person I was doing business with. These funds were being sent to a business who managed 401k portfolios, however about an hour after the transaction took place, they went radio silent and I have not heard from them since. I was essentially scammed out of $ XXXX at this point and it was taken from my personal account, so I reached out to my bank and they were able to refund $ XXXX to my checking account directly. At this point my apple cash is now frozen at - $ XXXX due to the fact that the scammer got $ XXXX and apple is waiting for these now $ XXXX funds that were supposed to be paid by me to bring my balance back to XXXX. Now, on XXXX, I received money in the amount of {$630.00} from a close friend of mine to my apple cash account, ( which remember is still - $ XXXX ) but she sent it before I told her not to send it via apple cash. So now I cant use the money she sent me, and I cant send it back to her, nor will Apple reverse the transaction. Apple has refused to cancel or void anything, nor will they give a reason why. I now have had {$630.00} stolen from by Apple and they still believe they are correct and not in the wrong.
Consumer complaint received 2020-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I contacted your company for advice on how to remove inquiries on my credit report. Your customer service rep advised me to send letters of credit removal to each inquiry, which I did costing over {$50.00} in certified letters to creditors with no resolution. Inquiries were for auto and rv loans made within 2 weeks of each inquiry. 4 inquiries for each loan application appear negatively on my credit report which should only appear for 2 each according to your terms and conditions. I am requesting for these additional inquiries to be removed according to your terms and conditions.
Consumer complaint received 2020-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (LA)

I refer specifically to the ad I encountered while booking a flight on the XXXX website. The ad stated that if I applied for and used their rewards card to book the flight, I would receive {$100.00} off the cost of the ticket. I foolishly believed it, applied for and eventually received the card a couple of weeks later. I assumed ( XXXX  me ) that there would be an opportunity to point the charges to the new Barclays card at some point in the booking process, but there wasnt. In order to receive the quoted price on the tickets I had to order them immediately, I couldnt wait for the card to arrive without the price almost doubling. After the application process, nothing showed up in the booking process that referenced the new account or even acknowledged Id applied for it. This is deceptive, fraudulent and illegal.
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have been trying for about two months to access my credit freeze account at freeze.transunion.com. I need access to my account so I can unfreeze my credit. 

I have an account and it recognizes my password and shows my proper mailing address but after I continue logging in I get an error message saying that there are technical difficulties. 

I have tried over and over at different times of day for months ; their web site just seems to be completely broken.
Consumer complaint received 2021-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (GA)

I did have a credit card with XXXX XXXX XXXX. But I used it once, and paid it off. Now over 2 years later, you are requesting some kind of payment when I paid off the amount back then, and the credit card was for only {$300.00} limit.
Consumer complaint received 2020-01-25
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. (NV)

I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2024-05-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (WA)

1.Paypal by cfpb is credit card alike company to protect customer 's right. 
2.I purchased laptop from XXXX received and found XXXX XXXX XXXX, XXXX XXXX XXXXXXXX dispute to Paypal and attached seller 's agreement to partial refund USDXXXX email. 
3.Seller play trick asked me to cancel paypal dispute and refused to refund after that. 
3.Paypal ignored and said dispute didn't sustained and ignore my right completely.
Consumer complaint received 2021-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NC)

As required by the stated guidelines for the Public Service Loan Forgiveness program since XXXX, I submit Employment Certification Forms annually to maintain eligibility for PSLF. At most, this process of certifying employment and eligibility has take 2 weeks to get a response from the student loan servicer MyFedLoans/PHEAA. 

I am now eligible for loan forgiveness through the Temporary Extended Public Service Loan Forgiveness program and have been for more than a year, after maintaining eligibility for 12 years of regular monthly payments, but the servicer is saying they need more time to certify my employment. I have recertified every year, the servicer already has records of employer eligibility, so there is no reason for a delay to a process that has taken 2-3 weeks in the past. A representative even called me with a question the week I submitted the revised ECF and TEPSLF application form XX/XX/XXXX to verify information so I know it was reviewed by a human. 

When I called MyFedLoan on XX/XX/XXXX to inquire the status of my application I spoke to four different representatives and PSLF specialists ( # XXXX, # XXXX, # XXXX, # XXXX ) and they all confirmed there is a backlog of applications and was told process for certifying employment was changed to the Department of Education. I called the Student Loan Support Center at the Dept of Ed to confirm the same day, to inquire what I needed to do to escalate my application, and was told this was incorrect, MyFedLoan is the Department of Education processor, and transferred back to MyFedLoan, and was told to use the online tool to submit the paperwork I have already submitted, including tracking down signatures from 12 years of employment which were already scanned uploaded and approved on the MyFedLoan website. 

There is absolutely no justifiable reason for the delay, the processor already has the records they need to certify employment, eligibility for loan forgiveness, and to pass the TEPSLF application back to the Department of Education for approval and loan forgiveness. The servicer knew there was going to be a backlog of eligible applicants as this program has been around for more than a decade and delaying forgiveness is a disservice to the public servants who have been working towards forgiveness for the duration of the program.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

In XX/XX/XXXX I attempted to open a phone account with XXXX. I was still an XXXX customer. XXXX sent me a SIM card which couldnt be used because the phone wasnt unlocked. I informed XXXX a few days after I realized this so they could no I couldnt use the SIM card, phone, or account so the lines werent used at all. I told XXXX multiple times this issue and no one did nothing. A few days later XXXX sent me a email stating hey we have notice the lines are unused please contact us which I did. However I still was billed a {$200.00} bill for a service I didnt have. I have called multiple times and the reps have been extremely rude. As of today XX/XX/XXXX every rep that told me to hold on after I explained the situation lost contact with me and another rep would answer the phone without knowing anything. They have committed fraud in my name stating that I had an account which I did not. It is on my credit report based off me having an account which I didnt have. How can I be charged for a service I never had.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

On XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX - ( XXXX ) XXXX shows an inquiry on my credit report from Experian. There is a security freeze on all three credit reporting agency. I called XXXX and the loan was approved and furniture delivered in North Carolina. I informed XXXX, rep, that this is a fraudulent transaction. I live in XXXX 

I want to know why a security freeze did not stop the transaction...
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Contemporary Information Corp (MI)

Contemporary Information Corp ( CIC ) continue to report incorrect information. My name is XXXX XXXX there should be no other names listed on my consumer report. My only mailing address and residential address is XXXX XXXX XXXX XXXX XXXX, MI XXXX there should be no other addresses listed on my consumer report. Remove any security freezes or alerts you have listed on my report that is preventing me from access my consumer report and file. Failure to comply with this demand you will be immediately sued with no further notice being sent. This is a service you offered I did not ask you to compile this incorrect information.
Consumer complaint received 2019-03-16
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CO)

On XX/XX/2019 Equifax deleted several negative items on my credit report. On XX/XX/XXXX 2 months later they reinserted these same negative items back on to my report. 

XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY Equifax is supposed to notify me within 5 days of reinsertion and they have failed to do so. 

I have attached the law stating they are required to do this. I have not received anything stating that they were going to reinsert this on to my credit report. I demand Equifax remove these items or legal action will be taken against them for reinserting negative items on my report without the 5-day notice. I have attached copies of the reports showing the removal date and the date they were reinserted. I have also attached a copy of what the fair credit reporting act states about reinsertion.
Consumer complaint received 2019-03-16
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (FL)

Santander Consumer USA numerous of phone calls regarding the reporting of my credit the last time they reported something to the credit bureaus was XX/XX/XXXX and we are now in XX/XX/XXXX.
Consumer complaint received 2018-02-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Knight Adjustment Bureau (MI)

I don't exactly know how this account Knights Adjustment Bureau showed up on my credit report but it's not mine, the original account holder name is XXXX XXXX  I never heard of this company I never had any dealings with this company the balance of this account is {$1800.00} the date that it was open was XX/XX/2015 account status is reporting still open I have contacted this company in regards to these charges and they told me to dispute it.