davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

I have already submitted a complaint. The company replied with the same canned response they have replied to me with for over a year now. They did NOT answer any unresolved questions. They did NOT provide documentation of charges. I contacted them by phone and email to the contact information provided on the reply and to date have NOT received a response. I am filing another complaint for the SAME issue. 

Complaint review : I have attempted to obtain this information for over two years now. I submitted requests with the previous servicer as well as the current one. There are a number of charges to my escrow account that the servicer will NOT verify as accurate. I have requested copies of reports and invoices charged to my account and only receive some of them. They have gone so far as to send duplicates in an effort to make my request appear complete. I have spent countless hours reviewing the partial documents sent to me. I'm still being charged for items on my escrow account with zero documentation of what they are and if they are valid charges. Additionally, I'm in a repayment plan and was forced to add the total amount of the escrows, including the disputed amounts to the plan. This is ridiculous. I need help. 

Shellpoint is trying to take the position that they are not attempting to collect a debt to a past bankruptcy. However I am in a repayment plan where they have added these charges to my repayment plan. If I don't comply with the payment plan and pay all of the charges they will foreclose. These charges are not valid. 

They have random legal fees and have told me that I have to contact their attorney to get copies of invoices. Well have you ever attempted to contact someone else 's attorney and get information from their account? That doesn't work! They will not even return calls or provide any information. 

I'm personally being billed for these things and am simply asking for copies of what I'm being asked to pay. They will not provide. That leads me to believe these charges are NOT valid and should be removed.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I just recently looked at my credit report XXXX, XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX due to violation of 15 U.S.C 1681 ( b ) has no permissible purpose to be on my report.
Consumer complaint received 2021-09-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (CA)

I have been working to have my deceased stepfather 's IRA accounts transferred to my mother 's IRA account in the same bank, Ally Bank, since XXXX of 2021, so that I could consolidate her funds. I am my stepfather 's executor and mother 's POA, and I am taking care of my mother who has XXXX. I have spent countless hours talking to at least 15 different customer service reps, including their top level ( executive customer relations ), sent an email to the CEO, and been assured on many occasions that the money would be transferred within the next 7-10, 3-5, 1-2, or 0-2 business days. Each time, that period passes without the money being transferred, and I call back, at which point they tell me one of the following : 1. I need an additional form that the previous customer reps didn't mention 2. The forms that I filled out with them on the phone walking me through the information needed was filled out incorrectly and needed to be resubmitted 3. The forms that I filled out correctly were outdated and I needed to fill out the new forms ( which, by the way, were 100 % identical to the previous forms ) 4. The transfer to the institution setting up the annuity for my mother could not complete the transaction without my mother on the phone, even though all the POA documents had been received and approved Many of the customer representatives have been confused as to why this case has had so many twists and turns ( I now have 4 separate case numbers ). I have escalated this case multiple times to supervisors. Nobody seems able to figure out how to resolve this case and I am completely losing hope and my mind, which seems like it may be by design.
Consumer complaint received 2021-03-30
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: Experian Information Solutions Inc. (SC)

I have been disputing since XX/XX/XXXX inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-45 day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another dispute letter to each of the brueaus, demanding they delete the inquiries that I did not authorize. Here it is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc. (NY)

Law enforcement : WAKE UP! You are being fooled by these businesses, they laugh at your lack of proper regulation. 

THIS IS THE SECOND TIME I have to open a complaint due to an attempt to prevent me from using the card that I earned through a reward ( rebate ). 

It amazes me how law enforcement seems to be hibernating allowing business like Blackhawk Network to continue to operate. This is not a technical issue. These are difficulties created to make users unable to use the card. 

I ALREADY HAD A COMPLAINT a few months ago with a different card, and I WAS PROMISED this issue would be reviewed and fixed. NOTHING HAS BEEN DONE! 

This is an absurd. 

I received a rewards card that is valid until XX/XX/2021 ( XX/XX/2021 ). 
I tried to activate it to use, and activation failed. I tried for XXXX days, via website and calling, and it keeps telling me this card can't be activated. 

***** IT IS IMPOSSIBLE TO REACH ANYONE ***** A financial service WITH NO POSSIBILITY TO TALK TO A HUMAN BEING! HOW IS THIS LEGAL AND ALLOWED TO EXIST! 

There is no chat or email in the website XXXX XXXX XXXX 
There is no option at all in the phone system XXXX XXXX ) to talk to a person. This automated phone system is another layer of frustration because not only it never gives an option to talk to someone, but also puts you in a infinite loop. At the end it asks me to hang up. I urge you, law enforcement, to please call this number and have fun trying to contact anyone in case your card activation keeps failing - THERE IS NO ASSISTANCE AT ALL. 

HOW IS THIS POSSIBLE!!! 
HOW IS THIS ALLOWED TO EXIST!!! 

THIS IS NOT THE FIRST TIME I have trouble using a card THAT SHOULD WORK FLAWLESSLY and Blackhawk Network MAKES IT, ON PURPOSE, DIFFICULT OR IMPOSSIBLE TO USE. 

WAKE UP LAW ENFORCEMENT! 

A financial company that does not allow a customer to access the funds ( that expire by the way! ), and that does not provide ANY WAY TO TALK TO A HUMAN in case of issues. 

***** WAKE UP! ***** AGAIN : I URGE YOU TO WAKE UP FROM THIS HIBERNATION.
Consumer complaint received 2023-07-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (GA)

Subject : Discharge of Debt Obligation and Request for Accounting XXXX Dear [ Debt Collection/Billing Department I have made 3 other attempts to settle this matter with ED Financials. I am writing to address the matter of the outstanding debt associated with my several accounts which I have been informed is owed to their company. Also, I am addressing the fact that ED Financials Services does not have a license to collect any debts in the state of Georgia. I must express my deep concern regarding the lack of a signed tri-lateral contract between myself, their corporation, and the relevant party mentioned in the contract, which is the Department of Education. 

Upon thorough review of my records and the applicable laws, I have determined that the absence of a valid, signed tri-lateral contract raises significant questions about the enforceability and legitimacy of the debt. Under the Uniform Commercial Code ( UCC ) and relevant Code of Federal Regulations ( CFR ), it is crucial for parties involved in a debt obligation to provide clear evidence of the existence and validity of a contract. 

Specifically, according to UCC Section 3-104, a negotiable instrument, such as the alleged debt in question, must meet certain requirements, including being a writing that contains an unconditional promise or order to pay a fixed amount of money. Without a valid, signed tri-lateral contract, it is difficult to establish the necessary unconditional promise or order required for the debt to be considered a negotiable instrument. 

Furthermore, under the CFR, specifically Title 12, Section 1026.17, which implements the Truth in Lending Act ( TILA ), creditors are required to provide consumers with written agreements that disclose the terms of the credit extended. The absence of a signed tri-lateral contract raises concerns about compliance with these regulations and the adequacy of the disclosure of terms related to the alleged debt. 

Based on these findings, I hereby request that they consider my debt obligation discharged and take immediate action to zero out all accounting related to the aforementioned debt. I expect that this discharge of debt will include, but not be limited to, the removal of any negative entries from my credit report and the cessation of any further collection efforts. This lender has no legal authority to collect and debt in the state of Georgia I kindly request that they provide written confirmation within 5 days from the date of this letter, acknowledging the discharge of the debt and the XXXX out of all accounting related to the debt. Please ensure that this confirmation explicitly states the removal of any negative credit reporting and the cessation of all collection activities. 

.
Consumer complaint received 2021-09-14
Product: Credit card or prepaid 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: TRUIST FINANCIAL CORPORATION (SC)

At the end of XXXX last yr a individual got my information by false pretenses. He then used my information to run up my credit card and other things. This carried into XXXX of 2020 and to my Bb & t accounts. I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via debit card, and through an intermediaries ( which I opened the account under the presssure of scammers ) in the total amount of XXXX USD utilizing the services of XXXX XXXX XXXX XXXX. I requested to initiate recall/chargeback for my transactions from my bank but unfortunately I did not recieve any satisfying answer from their side.
Consumer complaint received 2023-09-09
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: Mr. Cooper Group Inc. (TN)

All federal judgements and the United States government & all 50 states government judgements don't pertain to these corperations as stated by the constant responses for denial of justice and covering up. The have shown with action by covering up and lying in multiple courts that they are above the law as I have shown. And they don't need to go to appeals court to fight a judgement as long as they threaten by force the people they have denied payments to with encarseration when fighting for the unites states and the law. Thy don't investigate anything and give there response with in a day or receiving the complaint or 1 week usually on the weekend. So that is not a proper investigation at all. And as for Mr Cooper thier private email messaging system is so they can hide the truth and not investigate anything.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 16 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , remove information appearing on my consumer credit report that is the result of inaccurate personal information ( Name ) upon you receiving this complaint. This is fraudulent, inaccurate and false information ( Name ). This name has resulted in inaccurate personal information ( name ) appearing on my consumer XXXX  credit report. I have attached a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned information ( name ). I do not recognize the aforementioned information ( name ) as reported. The aforementioned information appearing on my consumer credit report maintained by you was not made, or initiated by me.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (GA)

I have a Sam 's Club Mastercard. I received an off and excepted. I had not really used the card. Within the last 8-12 I have utilized the card. My card is on auto pay and I couldnt understand how I was always over my limit. I called and was told I am being charged for a card protection plan. I never agreed to this charge. I called and told them to cancel this. I was just charged again. I contacted synchrony who issues the card. They said they couldnt do anything and I would need to contact this company. I feel this is some type of scam that they use. I have been paying this fee for I dont know how long and I want my money returned.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account 1. XXXX XXXX XXXX {$650.00} 2. XXXX XXXX XXXX {$1000.00} 3. XXXX XXXX XXXXE {$670.00} 4. XXXX XXXX XXXXE {$890.00} 5. XXXX XXXX XXXX XXXX {$160.00} 6. XXXX XXXX {$300.00} 7. XXXXXXXX XXXX XXXXXXXX {$2100.00} 8. XXXX XXXX XXXX {$2300.00} 9. XXXX XXXX XXXX {$350.00} 10. XXXX XXXX XXXX {$970.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXXXXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (KS)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$31000.00} ; XXXX XXXX Balance : {$16000.00} ; XXXX  XXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXXXXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$680.00}.
Consumer complaint received 2024-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2023-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

In late XXXX and early XXXX I fell behind on payments on our home mortgage with Wells Fargo Home Mortgage. Beginning about the XXXX  of XXXX I began making payments to catch up. Between then and XX/XX/XXXX, most months I made 2-3 monthly payments. In XX/XX/XXXX, WFHM abruptly blocked me from making additional payments in that manner, instead requiring that I pay the entirety of the past-due payments at once -- at that point, the equivalent of 4-5 months of payments. I was unable to do so, and the outstanding balance began to accumulate.

That began a nearly 4-year loan modification odyssey that is nothing short of a Catch XXXX XXXX. The loan was finally modified in the late summer of XXXX after innumerable document submissions and phone calls. This process cost me significant legal fees and, more importantly, was materially adverse to my credit.
Consumer complaint received 2024-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

XX/XX/XXXX I received a letter in the mail from SPS XXXX regarding my new XXXX and monthly payment. I have a ARM Mortgage that sets on XX/XX/XXXX of every year. I know for a fact, XXXX XXXX took the interest rates down 0.50 % in XXXX and then again in XXXX another 0.25 % in XXXX. Instead of my mortgage rate going down SPS XXXX took my mortgage rate up by using what is called a published " index rate '' and adding a certain number of percentage points called the " margin. '' Under the loan agreement, the index rate is 4.96902 %. From my research and my findings this was MANIPULATED, because the rate as of XX/XX/XXXX was 4.58 % and the margin rate was even lower than the " margin rate '' I incurred on my mortgage as of XX/XX/XXXX, due to the rates going down. Arm mortgages rates are tied into short term loan rates and my mortgage should have went down instead of going up due to LIBOR MANIPULATION. The margin that was disclosed was 2.25000 %. In my mortgage I have what is called " Margin Limitations. '' Meaning my first change date of the mortgage is when the " margin rate '' could be increased to 2.25000 %. Thereafter, stated in the terms and conditions it would never be higher than 2.000 %. Unfortunately SPS Servicing Portfolio, did not comply with the term and conditions or the New York Federal Reserve Bank Interest Rate or the SOFR and utilized an index from FTSE USD IBOR CONSUMER CASH FALLBACK 12-MONTH that is published monthly at XXXX. XXXX Stock Exchange Rate. All I am asking for is SPS Servicing Portfolio is to comply with the New York Federal Rate as well as the SOFR and not Continue to MANIPULATE my monthly payment by utilizing the LIBOR that is tied into the XXXX STOCK EXCHANGE. My mortgage payment should have decreased instead of increased effective XXXX XXXX. My current rate is 6.625 %. SPS Select Portfolio Servicing XXXX Inc., increased my interest rate to 7.25000 % as if my mortgage is being traded on the XXXX STOCK EXCHANGE as well as being MANIPUlATED by the Libor. In addition my mortgage appears to be traded as a Credit Debt Swap ( a Derivative ). In closing I sent my entire legal binding mortgage note to SPS Servicing Portfolio , IncXXXX, to XXXX as well as to XXXX. The email states received. Thus far I have yet to get any type of response concerning this DISPUTE. In addition I telephoned SPS Servicing Portfolio , Inc., on XX/XX/XXXX as soon as I received the updated mortgage payment effective XX/XX/XXXX. I requested all phone calls to be recorded. I spoke with a customer service representative at XXXX eastern standing time and then a manager at XXXX eastern standard time. Need assistance with this non compliance manipulation of Libor Interest Rates.