davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION (CA)

Hello, my name is XXXX XXXX. I can not believe that my loan once again has been transferred to another servicer SN SERVICING CORPORATION, XXXX XXXX  XXXX XXXX, AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
Ive been working for a very long time with XXXX XXXX XXXX XXXX ( my previous servicer ) and now I had to start the process all over again. How many time will this go on? How many time will me and my XXXX wife suffer to get a loan modification? There is a foreclosure sale scheduled for my home on XX/XX/2019. 
From my first bank, XXXX  XXXX XXXX and they have denied me multiple times for a loan modification until XXXX XXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer XXXX XXXX XXXX XXXX, XXXX. After many months sending documents and trying to work out a loan modification plan and review XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan to another servicer which is now my current servicer SN SERVICING CORPORATION, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, whoever they are. 
I sent over a full packet to SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX. They have received my loan modification packet and is in review. 
I and my family are in a very tight spot with SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we do not know what else to do. I can make monthly payments for this loan of around {$1600.00} for the loan, insurance and taxes. That is an amount I can afford. Please review this company and previous companies as to why they keep transferring my loan once im on the brink of being approved. Seems as though every company is prolonging the process as much as possible. 
SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS if they proceed with the sale of my home which is scheduled for XX/XX/2019.
Consumer complaint received 2022-04-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CLGF Holdco 1, LLC (IL)

Was approved for a card in XXXX of this year. Never received card, Never activated nor used card Company tried to charge me a 75 usage fee for a card that wasn't even activated!
Consumer complaint received 2021-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (FL)

On Saturday, XX/XX/XXXX, I attempted to make an online purchase. Citi card arbitrarily declined the purchase. They notified me via test message at XXXX Saturday, asking if I made the purchase with a request for a response back in the text. I responded that I did indeed make the purchase and was notified that the card was cleared to make the purchase again. I did so later that night and again the purchase was decline. I called citi card 's XXXX number and spoke to XXXX who was unable or unwilling to assist me and refused to connect me to a supervisor, but instead put me XXXX in the fraud dept. XXXX, also unable to assist did agree to put me through to her supervisor, however this is doubtful as the person I was connected with did not clearly give me her name, and as an apparent retaliatory power move, put me on a 22 min hold of silence, never returning, until she finally pressed a series of approx 5-6 numbers and ended the call. I then connected to Citi online and reached XXXX through the messenger. I explained to XXXX my issue with being unable to make this purchase several times and now having to wait additional days for my much needed purchase to be delivered due to Citi continuing to decline this purchase that I have repeatedly told Citi representatives that I DID make. XXXX assured me that " everything was good '' on Citi 's side " rest assured ''. So today I once again attempted the purchase and once again DECLINED!!!. I called the XXXX number again tonight, twice, and was disconnected because I could not understand the representative 's broken English. I have been an excellent customer since XXXX, always paying my card off and never delinquent. I need assistance in getting this rectified immediately. Thank you
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Garcadia Financial LLC (VA)

Account as from XXXX. I had a lease for a motorcycle and at the end of the lease, the company, XXXX XXXX called and said its the end of your lease and you either pay the lump sum or turn the bike in. I opted to turn the bike in and they said the contract was closed and finished. 3 years later, XXXX XXXX who was bought by another entity now called Foursight Capital placed a collection on my report in XX/XX/XXXX as a collection. I contacted them and they told me one thing and I called back and spoke with another person and she came up with yes your contract was done and closed but because the bike wasn't brought to a certain location the considered my contract not fulfilled. No one ever notified or informed me of this for 3 years and all of a sudden they stick a collection on my credit 3 years later.
Consumer complaint received 2019-10-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Funding reported a collection account on my credit. I asked for validation of the debt since I was not notified by Midland Funding that they were reporting anything on my credit. Midland ignores my request for validation, yet they continue to report this erroneous account on my credit. 
Midland Funding is in violation of the FDCPA
Consumer complaint received 2021-08-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I used XXXX as the promo code and opened the checking account under the terms below at capitalone.com. 

The terms : Open a 360 Checking account between XXXX XXXX. ET on XX/XX/XXXX, and XXXX XXXX. ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. 
Receive at least 2 direct deposits totaling {$1000.00} or more to your 360 Checking account within 60 days of account opening. A qualifying direct deposit is an Automated Clearing House ( ACH ) credit, which may include payroll, pension or government payments ( such as Social Security ) by your employer or an outside institution. 
This account is subject to approval. This offer can not be combined with any other 360 Checking account opening offers. Only one promotional code is accepted. Bonus is only valid for one new 360 Checking account. 
If you have or had an open 360 Checking account as a primary or secondary account holder with Capital One on or after XX/XX/XXXX, you will be ineligible for the bonus. If your account is in default, closed or suspended, or otherwise not in good standing, you will not receive the bonus. 
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them I fully fulfilled the terms but never received my {$400.00} bonus.
Consumer complaint received 2021-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XXXX XX/XX/XXXX Bank of America filed another report of missed payments with the credit bureaus regarding the account # XXXX which has been closed since XX/XX/XXXX. The bank correctly reported the closure of the account to the credit bureaus on XXXX XX/XX/XXXX following the sale of the property. However, the bank continues to file falsified claims of missed and late payments with the credit bureaus despite numerous promises to correct its records and ensure that all delinquencies are removed from my credit report. 

There was never a late or missed payment at any time during the existence of the mortgage.
Consumer complaint received 2022-07-28
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. (TX)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Trans union charged my card for a subscription that I did not sign up for, they charged my card XXXX and refused to credit my account! I canceled my account but I want a refund!
Consumer complaint received 2021-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TransUnion continues to report inaccurate information on my consumer report which is, in fact, a violation of 15 USC 1681i ( a ) ( 5 ). Names being reported inaccurately are XXXX " XXXX XXXX XXXX and XXXX " XXXX '' XXXX. My middle name does not begin with a " XXXX  '' and my middle name is not " XXXX. '' ( Please see most recent correspondence from Transunion reflecting inaccurate name mentioned. )
Consumer complaint received 2021-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dispute on XX/XX/XXXX Response Dated XX/XX/XXXX Received in Mail XX/XX/XXXX Report Number : XXXX Transunion XXXXXX/XX/XXXX XXXX XXXX, PA XXXX The company that reported the information has Verified As Accurate. 

I am including an attachments that the courts do not to report credit report bureaus. 
US BKPT CT TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number ( XXXX ) XXXX Chapter XXXX bankruptcy discharged Case # XXXX
Consumer complaint received 2022-04-16
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. (CA)

The account XXXX credit card and the XXXX XXXX account XXXX  is fraud. They do not belong to me. This complaint is a follow up to my complaint submitted a few weeks ago. In this complaint I have attached a police report. The detective has released the report and they have possible lead on the suspect.
Consumer complaint received 2023-06-29
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: EQUIFAX, INC. (GA)

I was getting approved for an auto loan and then I got hit with a bunch of hard inquiries including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX on my equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my XXXX XXXX.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Regarding information about a said ( bankruptcy that never happened ) ... ... Please update this file to show that XXXX has removed the data from MY CONSUMER REPORT ... ... See File ... ... .The Fair Credit Report Act outlines 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies ... ... This is a breach of the Fair Credit Report Act if the Credit Bureaus do not update my file to show a fair and accurate report. 
As stated before ( a bankruptcy never happened ) This must be removed immediately as it is an erroneous record ... ... PLEASE REF CASE NUMBER XXXX ON SUBMITTED FILE
Consumer complaint received 2021-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included. 

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, Congress said ANY card. 

The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. 

They should all be removed from my consumer report under 15 USC 1681a ( 2 ) ( B ).
Consumer complaint received 2020-07-06
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$3200.00}
Consumer complaint received 2019-10-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (VA)

On XX/XX/2019, I received an initial notification from XXXX XXXX XXXX, XXXX that they had been authorized to collect a debt. Pursuant to the FDCPA and the XX/XX/2019, letter, on XX/XX/2019, I sent a letter requesting validation of the debt and specifically requesting the amount owed, explanation for calculation of amount, copies of any and all papers evidencing I agreed to pay XXXX, identity of the original creditor, proof that the statute of limitations had not expired, proof that XXXX is licensed to collect a debt in Virginia, copies of pooling or servicing agreements, license numbers and registered agent. XXXX failed to provide any information validating the debt in violation of my request and my rights under the FDCPA. Instead I received more correspondence from XXXX on XX/XX/2019, and XX/XX/2019, continuing to attempt to collect the debt. XXXX has violated the FDCPA.
Consumer complaint received 2021-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

on XX/XX/21 around XXXX I called the number XXXX because I receieved a text message from XXXX saying to call my Citizens bank account because it was an emergency. When I called the number, they asked my 16 digit atm debit number, my social, date of birth, security code, pin, and date of expiration. I did not realize until it was too late this could be a scam and I didn't get a notification from my bank. My banks customer service is not available at the moment.
Consumer complaint received 2019-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Credit inquiries deletion. 
Transunion would not delete unauthorized credit inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (IL)

Citicard transaction declined on XX/XX/21 for {$320.00} I have been with Citicard many years, always paid on time and had minimal balance. Tried to make purchase and card was declined. I said that was impossible. Clerk tried again and purchase approved. 
I called Citicard to ask what happened. I was told that on random transactions they will decline a purchase as part of a security check. It had nothing to do with my account or history, it was just done randomly when they felt like it. They said that I had consented to this when I accepted their terms. 
I had never lost my card or reported fraud on the account. I can not begin to describe the embarrasment I felt, as I was in a very expensive store. I have maintained an excellent credit record in order to avoid this type of situation. 
I want people to know about Citicards practice on accounts that are in excellent standing.
Consumer complaint received 2018-12-18
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

In XX/XX/XXXX, my mortgage was with XXXX XXXX. I had been working with them about my upcoming property tax free status at that time. I am a XXXX XXXX XXXX veteran from the VA and in the state of Maryland, I don't pay property taxes on my home. XX/XX/XXXX, I receive a letter stating that my mortgage was sold to XXXX XXXX XXXX and the turn over of all of my information would take place on XX/XX/XXXX. My property tax free status was complete with the state of Maryland on the XX/XX/XXXX and back dated to the beginning of XX/XX/XXXX. I contacted my new mortgage company on the XX/XX/XXXX and told them the same information that I told XXXX. XXXX 's tax department informed me that they would get in contact with my county to see what the new amount is once the paperwork was complete with Maryland. I told XXXX XXXX the same information that was expected from XXXX. I was told that they were going to open up a case to look into it and it would take approximately 3-4 weeks for my new payment to be updated. 

About the XX/XX/XXXX, I call XXXX XXXX to see what the status of everything is so I can make the correct payment. I was told then that they didn't see any record that I ever contacted XXXX XXXX. The representative told me that she would submit all information and I should see a status update within 7 business days. I call back again the XX/XX/XXXX to see where everything is. The representative told me that my claim was still processing. She informed me that I won't need to worry about any fees or anything since I was in a 60 day window reprieve from any late charges. 


Monday XX/XX/XXXX, I check my mail and I see several collection letters from XXXX XXXX stating I'm delinquent of payment. I immediately call XXXX XXXX to see what is going on. I was told by the first caller that she didn't see any case open for me and that my mortgage payment changed from XXXX to XXXX. I told her that my normal payment was XXXX and was only temporarily pushed north to make up for some taxes. I inquired about my escrow balance because I intended to make one mortgage payment with my escrow balance since I am property tax free. She informed me that I have a balance of - {$810.00}. They sent off property tax money without even contacting the state to see what it was supposed to me. The representative told me she could submit another claim, but seeing as how the last 2 didn't work, I demanded to speak with someone higher up. I was supposed to be transferred to her supervisor but instead hung up on. 


I call back and this time was automatically transferred to the collection agency. I spoke with a gentleman who told me that I have to do their job for them and contact the state again so they can fax or mail over the tax bill for XX/XX/XXXX. He told me that it will take at least 2 weeks after they receive that letter to update my payment and an additional 4-5 weeks after that to receive a refund of my escrow account.
Consumer complaint received 2018-12-17
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Campos Financial Corp. (CA)

The loan officer is the worst person ever. 
I was looking for a home and my realtor said he was the best i trusted him and when i had issues i would always get a message saying he is out of town he is too busy to deal with my XXXX. When it came time to close for my house i didnt even know they had increased the amount for my down payment even though they knew i didnt have the money. They said you dont get the house if you dont have this money and told it was the only way from the beginning. But they never told me that. He never answered my calls or text or asked me if i was comfortable with any of his decisions. I was very offended with his attitude and the way he mistreats people he works with. and will never evveeeerrrr do buisness with him. From XXXX The loan officer they work with needs to be investigated, XXXX XXXX at XXXX XXXX. Tel : ( XXXX ) XXXX
Consumer complaint received 2018-12-17
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. (MO)

My identity has been compromised inwhich lead to opened and closed accounts in my name. I have tried to remove these accounts before all to no prevail. However, after reviewing the language in the FCRA, it stated that when accusing a consumer of a debt that the consumer has the right to see physical documentation of which the debt is owed. In my dispute of the following accounts, I'm respectfully requesting physical documentation or the accounts shall be removed. I do not have no contract with these companies therefore I'm asking them to be removed. No contract, contract has been cancelled. The following accounts are, ( 1 ) XXXX XXXX XXXX, {$4200.00}, date XX/XX/XXXX ( 2 ) XXXX XXXX, {$3200.00}, date XX/XX/XXXX ( 3 ) XXXX XXXX XXXX, {$640.00}, date XX/XX/XXXX