davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (GA)

Hyundai Motor Finance/Hyundai Capital America has falsely reported my account as 30 days late, when I am only 12 days behind. This has brought my credit score down tremendously. Could you please remove the late payment against me on my account, as I am not behind by 30 days or more. I asked for a payment deferment, as I am recovering financially from a medical emergency bill, while simultaneously relocating, and this hit to my credit score will greatly hinder my chances of getting approved for a new lease. Please update my account to reflect my fair and accurate account history to XXXX, XXXX and XXXX.
Consumer complaint received 2021-05-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-01-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (AL)

I wanted to sell the house because I became injured at work and started falling behind on payments. Wells Fargo refused to allow me to initiate a sell because my husband had an IRS lien even though the mortgage was in my name only. My husbands name was placed on the deed after the house was purchased. I had XXXX  XXXX in XXXX and was forced to retire so I fell behind on payment eventually foreclosing on the house in XXXX and I am still unable to get any type of mortgage for at least two more years
Consumer complaint received 2021-05-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

This is in response to a notice that I received from that the CFPB stating my claim had been closed due to you felt my complaint did not come from me. I feel that this is another attack on my character by your company. 1st you report information on my credit report that is clearly false. 2nd when I do send in a complaint to your company to notify you of the incorrect, inaccurate, and incomplete information you are reporting on my credit report you totally blow me off and don't respond. 3rd then you state my complaint is not from me. I truly feel like your company is personally trying to attack my character and also ruin my life. You have caused me nothing by mental, physical and emotional stress, and if this matter is not resolved I will be forced to not only report this issue to the CFPB but also my States AG 's office as well as the FTC and XXXX 

My complaint is once again that you are reporting misleading, incorrect, false, and unverifiable information on my credit report. The date of my 1st letter was XX/XX/21 ; and to date you have failed to complete your investigation and correct the incorrect information with in timeframe set forth by the fair credit reporting act. 

I demand you conclude your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.
Consumer complaint received 2021-04-01
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings (MD)

The following debt is not mine and was reported on XX/XX/XXXX XXXX XXXX  credit bureau. I have advised representatives with IQ Data International not responsible nor live as roommate.

The IQ debt collectors continue contact through harassing communication tactics and although request stop calling continue to call and report falsified information to credit bureaus. Upon my research found this debt has history of unfair practices, discrimination and deceitful practices to later evict the responsible party ( reported XX/XX/XXXX vCFPB compliant ) I am experiencing harassment, repeated calls during work hours telling to call police on person for identity theft, use of deceitful communication/reporting tactics. 

In addition, per research to contact found Creditor-XXXX XXXX, XXXX XXXX XXXX filed bankruptcy XX/XX/XXXX ( attached ) IQ DATA INTERNATIONAL Original creditor : XXXX XXXX MD ( incorrect ) {$11000.00} Balance updated XX/XX/XXXX Account info Account name IQ DATA INTERNATIONAL Account number - ( XXXX ) XXXX Original creditor XXXX  XXXX  MD ( incorrect ) Company sold - Account type Collection Department / Agency / Attorney Date opened XX/XX/XXXX Account status - Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Original amount {$10000.00} Paid off 0 % Monthly payment - Past due amount {$11000.00} Terms 1 Month Responsibility Joint Account ( incorrect ) Your statement - Contact info Address PXXXX XXXX XXXX XXXX, WA XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2020-11-03
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. (NJ)

I worked for a company that had an XXXX XXXX account and that issued employees cards. If an employee used the card for personal purchases, then the company policy was to pay XXXX XXXX directly for the amount used. Which I an other employee 's did. The company went under during Covid and I began getting notice 's and bills from XXXX XXXX addressed to me personally. Mind you I have never had a personal XXXX XXXX card or account and in fact was denied a card the only time I applied. I Made disputes which XXXX  replied to the credit bureaus that it was legitimate without supplying a copy of the application or any personal identifying information. I notified the Consumer Financial Protection Bureau and XXXX  at least adjusted my credit score but did not remove the false delinquency information. The other two agencies still have my score over XXXX points below XXXX  ( XXXX XXXX. XXXX XXXX responded to me that since I paid my portion of the Bill I was responsible for the balance of the Company 's bill! I spoke with a person who would only provide her first name, XXXX, and she said its their policy. It's a crime to tell a deliberate falsehood to a regulatory type agency like credit bureau 's. I questioned if the other former employee 's were also targeted and they would not answer. But my contact with them disclosed that none of them contacted received any deliquencies from XXXX XXXX. The company was a S-corporation with its own tax id number and the law provides XXXX XXXX with a way of addressing the corporation. XXXX XXXX choose to notify the credit bureau that the accounts were closed but in doing so the closure remains as a delinquency on my personal report. a delinquency that has been closed is still a delinquency in the eyes of other creditors. I have been denied the smallest of credit lines and denied the ability to refinance my mortgage with the historically low interest rates because of this action. i know that XXXX XXXX is a large corporation but they should not have the right to submit false unsubstantiated delinquencies without governance. I would like your help in having the false information completely removed from all of my credit reports. Closing of the account is not removal from the report. if the CFPB is unable to have the credit bureau 's correct clearly wrong delinquency information on a Credit Report, then it's effectiveness is limited at best and useless at it worse. 
My research shows that this is a new agency and therefore may not be fully aware of the effect that actions like mine have on a persons credit life, but I also found it that the creation of the Bureau was for such a time as this. Thank you for your time and anticipated help in this very important matter.
Consumer complaint received 2023-03-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

In XX/XX/XXXX I lost my job due to XXXX and began door dashing to try and recoup my income. I entered into a forbearance with the serviced and exited it on XX/XX/XXXX. Since then I have attempted to engage for a modification and have been unsuccessful as I am being asked to produce tax returns which I can not because I have not filed. I do not want to lose my home but feel like I am being given no choice but to foreclose or sell. I know Im eligible for a streamline option and would like to pursue that. I can afford my normal monthly payment and just need a fresh start. Why cant I get a streamline option like I know Im eligible for. Also why havent I ever been offered assistance through XXXX for reduced benefits.
Consumer complaint received 2023-03-01
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I am participating in the Homeowner Assistance Funds ( HAF ) program, and my servicer Select Portfolio Servicing, Inc. ( SPS ), is a participating servicer. 

A grant awarded to me was disbursed to SPS on XXXX XXXX, 2023, for more than the current amount due. 
I got a letter from my service provider ( SPS ) yesterday, XXXX-2023 stating, " ... the funds of {$11000.00} will not be applied to your account because this is less than the amount we previously advised was necessary to stop the foreclosure action. As a result, your account is still in foreclosure. '' However, my current mortgage statement date : XXXX-2023 states the amount due is {$10000.00}. 

Furthermore, SPS mentioned in the " held funds '' letter, " If you send us {$11000.00} by XXXX/XXXX/2023, we will credit the payment to your account and stop the foreclosure. '' I am baffled!
Consumer complaint received 2021-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (DE)

Citibank closed my checking and savings accounts because I received the PPP funds into a personal account. 

I am an independent XXXX and do not have a registered business. Citibank accepted and released my fund a while ago, only for them to freeze my accounts 3 months later. 
Back in XX/XX/2021, the Biden administration set new regulations that made independent XXXX  and XXXX  employed people eligible and therefore banks should not expect independent to provide a registered business documents. 

I sent Citibank copies of contract agreements, W-9 form . When I applied for PPP, I never claimed to have a registered business. I used my name, social security number, XXXX XXXX  and XXXX  C. 

Im delinquent on all of my bills because of this
Consumer complaint received 2020-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

XXXX was my servicing company prior to Select Portfolio Servicing Inc., I've called them on several occasions to provide me an explanation of my amortization not amortizing correctly. My issue is that approximately XXXX cents to {$1.00} is going towards my principal. I was told at one point that everything will come together upon the end of the contract which is in XX/XX/2036. I don't see that happening based on the loan not amortizing appropriately. SPS has all documents.
Consumer complaint received 2020-05-29
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (VA)

Today, XX/XX/28, I spoke with XXXX from Transworld, who advised that he is the director. XXXX advises me that he has the authority to extend a payment agreement, but that I would have to send proof that I am awaiting a withdrawal check in the mail. He threatened that he will report this to my credit if he feels that I am lying. After multiple calls with XXXX and feeling pressured and threatened ( by advising that they WILL report to my credit and not grant me time to pay ), I paid the balance using funds that were not meant to be used on this debt. I and my mother have been harassed by this company. I was advised on one call that they reviewed my mothers assets and that she could pay for me, instead of listening to me advising that I had the money, but needed a few days to wait for a check that I was expecting due to a withdrawal that I made in order to pay this debt. The first time I spoke with this company, I was advised by XXXX XXXX that I should not be calling unless you are paying now. This was after I received notice from my mother about this debt and was calling for information because this company never contacted me. XXXX also advise me that he is not here to help the consumer get whats best for them, but to help my client get whats best for them. I dont have to work with you. I have a monthly quota to meet. This has been a very stressful week of dealing with this company.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have a mortgage loan from SELECT PORTFOLIO SVCIN, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SELECT PORTFOLIO SVCIN and they said their system mistakenly put me on paperless billing after the loan was re-structured when the mortgage kept being resold, which I did not request, and it caused me multiple 30 day lates. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and SELECT PORTFOLIO SVCIN with no successful resolution. XXXX, XXXX, and XXXX  reporting me 30 and 60 days late. There was an error on their part. I was never 30 days late twice.
Consumer complaint received 2022-06-25
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: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2020-05-28
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: EMBRACE HOME LOANS (PA)

Embrace Home Loans I was given good faith estimate on XX/XX/XXXX for XXXX with my closing cost to be XXXX minus for any out of pocket costs for inspections etc. at closing. {$530.00} for appraisal, {$400.00} for home inspection & {$50.00} for pet inspection. This was not honored. 
My contract was written for XXXX closing cost XXXX, I was not reimbursed for my out of pocket costs as promised and I had extra expenses tack on at the last minute. I was not given my final numbers until about XXXX on XX/XX/XXXX and my closing was settle for XXXXXXXX on XX/XX/XXXX.
Consumer complaint received 2022-06-25
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)

I am having issues with inaccurate information appearing on my credit report. please delete the following addresses below that are not mine : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, MD XXXX The following numbers do not belong to me please delete the they are not accurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-11-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

XXXX. XXXX. XXXX to be paid by XXXX. XXXX. XXXX : money to be transferred to an external account for one dollar. company states they will notify me if transaction is not made : I recieved no notification. Fraud department placed hold dt suspicious amount. refused to lift the hold. Requested I pay the full amount, although I have not transferred to the external account before. I refused the full amount. requested minimum. No value would be provided to me. Fraud person agreed to XXXX dollars. New transaction dates XXXX. XXXX. XXXX to be withdrawn by XXXX. XXXX no notification again, follow up again and the amount hold again. The bank is putting a barrier to me using my money. I have sufficient funds. 
I have asked a manager to call me. The staff have refused and will not provide a number. I have given up and notified that I am filing a complaint. Someone at that bank appears to have a bias and causing trouble for me. each call in takes atleast 42 minutes : I have the dates as follows : XX/XX/23, XXXX. I have called my local bank branch and they defer to the 1800 number stating they do not have time. I want my account investigated. I have banked with us bank atleast 20 years. I will leave as soon as one of my checks that was misappropriated is returned to me ( a payable check was deposited to the wrong account, that is why i was attempting to establish a transfer to account, service that is provided by this bank ... is not being preformed with no reason other than it is not enough money, but will not provide me with an amount that is enough ).
Consumer complaint received 2020-05-28
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)

From XXXX I had a residential mortgage with XXXX which I was informed is under the control of XXXX Bank. This account was transferred to another lender in XXXX before XXXX Bank took over. In XXXX, XXXX, the mortgage was reported as 30 days late to each of the 3 major credit reporting agencies. When I reached out to file a dispute to have this item removed after XXXX, XXXX ( 7 years from the date of the first delinquency ), XXXX changed the reporting to show it as a positive account, committing blatant fraud in their reporting rather than removing this item as requested. Each time I've reached out to XXXX to discuss this account, I am continually being told they have no information on the account, either under my name, social or the account number, yet they respond to any disputes filed by the credit bureaus, informing them that their reporting is correct, when in fact it is not. For months I have continually tried to get this account removed from my credit file, only to be told that the information being reported by XXXX is correct, thus allowing XXXX to continue to commit fraud by changing information on this account from negative to positive, avoiding the Statute for time limitations and not reporting accurate information. I am seeking assistance to have this item removed for the blatantly fraudulent information they are reporting and for their failure to respond to me as a consumer to challenge the accuracy of their information.
Consumer complaint received 2023-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NJ)

I own a condo in XXXX XXXX, FL and Pennymac holds the conventional, 30-year mortgage on this property. As part of my mortgage payment, Pennymac pays my real estate taxes for {$2100.00} per year and the condo insurance for {$1200.00} per year. XXXX insurance is for the contents of the property are paid directly by me to XXXX for {$480.00} per year with a portion of the insurance on the structure paid indirectly through my condo association fees. 

Pennymac completed an escrow analysis on the property which resulted in a 50 % increase in my monthly payment. When I was able to speak with them, which occurred after a collection call and a threat to report me to the credit bureaus, I was told that the substantial increase was due to them adding cost for flood insurance at an annual rate of {$2000.00} per year. When I asked them why I would be charged for an insurance policy that Pennymac does not make payment for, I was given the runaround and essentially told that this was somehow my doing. 

They have finally agreed to remove this amount from my escrow account, but are still holding me liable for these costs for XX/XX/2023 and XX/XX/2023. They will not remove these charges from my account. I am being forced to lay out an additional monies that I do not have readily available to ensure my credit score is not damaged.
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (GA)

Consumers have the right to opt out of any reporting per 15 USC 6802-6805 16 CFR 313. There has been a violation of consumers privacy ( 15 USC 1681 ( b ) ). This issue is with Early Warning as they have access to bank transactions. There would need to be proof that the banks has given out private information, person spoken to or written communications as well as any documents/ application wet ink signatures of consumer.