davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

In XXXX of XXXX i took XXXX dollar loans with XXXX XXXXl XXXX  guess these sold it to SPS and they forclosed in XXXX and I sent them XXXX dollars in XXXX that should have paid them off. In XXXX they on the balance sheet I owe them XXXX so in XXXX when XXXX XXXX took over I had a mortage audit done and it was from XXXX till XXXX the balance was XXXX not counting XXXX to XXXX that's a XXXX difference with the balance probably XXXX for the first 6 years on the balance XXXX plus XXXX is XXXX and I sent them XXXX the should should owe me now XXXX XXXX has forclosed and evicted me from I paid off in XXXX
Consumer complaint received 2019-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

* There is no balance *NO CONTRACT* because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
Consumer complaint received 2019-08-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

i previously sent a DEBT VALIDATION request to Portfolio Recovery Associates in accordance with the Fair Credit Reporting Act and all the I received back was a statement of an alleged charges without my signature on it. This alleged statement did not meet the FEDERAL TRADE COMMISSION and THE FAIR CREDIT REPORTING ACT guidelines to constitute proper debt validation. I have repeatedly called this company in an attempt to rectify this situation and i got was a complete runarounds with absolute no interest in resolving this issue. I will file a lawsuit against this company in 30 days for deliberately damaging my credit report and defamation of character if this derogatory information is not deleted from my credit report.
Consumer complaint received 2019-08-24
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: CL Holdings LLC (CA)

JEFFERSON CAPITAL SYSTEM Last reported XX/XX/2019 {$1500.00} Open balance XXXX XXXX XXXX Original creditor -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dispute item. Doesn't belong to me. Please remove.
Consumer complaint received 2022-04-13
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. (TX)

Hi, my name is XXXX XXXX and I have been trying since XX/XX/22 to get in contact with the three credit bureaus transunion, Equifax and XXXX in which they have never gotten back. I have several delinquencies on my credit in which the bureaus don't respond and get back to within 30 days, I have not received results of my investigation and they are saying as an excuse that it is not me trying to contact the bureaus on my credit. I have been dealing with these issues for some months now across all three credit bureaus and I need this fixed as I am trying to get a home. None of the information is verifiable as they either ignore me or throw it back on which Equifax has done on numerous occasions but shows me no proof of the information I am disputing as to how it is my debt and validated. I am reaching out to the CFPB as after dealing with this for 6 months I am done with my rights being violated, ignored and taken advantage of.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I was a part of a multi-state class action lawsuit against XXXX who operates as XXXX XXXX. I was paid out for their gross negligence and was told that the problem would be resolved on my credit report, as to date, if has not. They inaccurately reported my loan as late on XXXX when the loan was paid in full in XXXX. The law suit should have resolved this matter
Consumer complaint received 2019-08-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (NY)

I'm writing this letter to seek assistance regarding a recent unfair, and in my judgement, unlawful treatment I experienced at Freedom Mortgage. 

I was referred to XXXX XXXX XXXX XXXX by one of XXXX XXXX XXXX. We met at a XXXX XXXX XXXX on XXXX XXXX, NY on XX/XX/2019. 

XXXX XXXX glanced over our tax returns, pay stubs, bank statements, w-2 's, etc. He immediately, verbally, approved us for around XXXX without putting any information/ figures into his computer. 

He stated he would send out our pre-qualification letter next day. He then told us what differentiated him from other big lenders was the ability to waive ALL fee 's associated with closing cost except state fee 's and taxes. 

After a few months of house shopping we finally found the one. On XX/XX/2019 we met with our attorney and received an estimated closing cost of {$27000.00}. 

On XX/XX/XXXX, we were in contract and reached out to XXXX to begin the mortgage process. We sent out all requested documentation. On XX/XX/2019 we received a closing cost worksheet, from XXXX, around {$27000.00} as we expected. 

Through out the two months our mortgage was being worked on, XXXX disappeared. We were left in the dark. We were expecting a walk through during this whole mortgage process with updates as needed. We were consistently writing emails and texting to find out what was going on. It was very difficult to get a response and if we did, it was a one word answer. 

Around mid XXXX we spoke with XXXX again double checking our closing cost fee 's. He reassured us it would definitely be a lot less than the {$27000.00}. 

Now it's XX/XX/XXXX and we receive an email from XXXX about origination fee 's costing 1.529 % and we are locked at a rate of 4 %. We are due to close the XXXX of XXXX. 

Our closing cost fee jumped from {$27000.00} to {$39000.00}. {$12000.00} more than we anticipated. This was very alarming. We referred back to our commitment letter and the origination fee to Freedom Mortgage was only {$1200.00}. This was a very distressing experience as first time home buyers. 

It was never explained to us what locking a rate meant and when it was a best time to do so. It was never explained to us we would incur a {$10000.00} origination loan fee nine days before our closing date. 

I feel XXXX had an moral obligation to disclose all fee 's up front. He robbed us from the opportunity to compare prices with other lenders, robbed us from the excitement of owning our first home, robbed us of our rights. 

I did some research and I see there are laws in place to help protect consumers like myself against deceitful, untrustworthy mortgage officers.
Consumer complaint received 2019-08-24
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: Experian Information Solutions Inc. (RI)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I see Last Reported date as well as Date Last Active is different from the three bureaus. It shows chargeoff and yet XXXX see balance and a past due in their reporting. This is a clear indication that the report is inaccurate. I demand this account be deleted immediately.
Consumer complaint received 2023-01-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (TX)

In late XXXX, XXXX, I opened my monthly Home Depot account statement with a closing date of XX/XX/XXXX and discovered two charges on XX/XX/XXXX that I neither made nor authorized. The first charge was in the amount of {$1000.00}, the second was {$1200.00}, for a total of {$2300.00}. I immediately contacted Citibank, the card issuer, to report the charges and request a fraud investigation be conducted. I also directed them to close the account. I was advised in one of several subsequent conversations with Citibank 's Fraud Department representatives that the charges were made in " the XXXX ( TX ) area '' ( I live over XXXX miles from " the XXXX XXXX '' in a town north of XXXX, TX ) but they could/ would not tell me which store ( XXXX ) the purchases were made in, nor could/ would they tell me what was purchased. Incidentally, in-store and on-line Home Depot purchases are shown in the Home Depot app for at least 2 years - mine currently shows purchases made back to XXXX, XXXX - and these two purchases are NOT shown in my purchases history.

A couple weeks ago, I received a letter from Home Depot Credit Services dated XX/XX/XXXX advising me that their fraud investigation was complete, that they were rejecting my claim of fraud, and that I was responsible for the {$2300.00}. There was no justification given for the decision beyond " the facts and/or information reviewed ... does not substantiate the claim of unauthorized use ''. This is a terrible decision and I, an innocent consumer and long-time Home Depot customer who has spent many XXXX XXXXXXXX there over many years, am now being held responsible for purchases I neither made nor authorized. I have no reason - financial or otherwise - to purchase or authorize purchasing of items from Home Depot and then claim I didn't. Their decision is baseless, unfair, and frankly insulting. 

After receiving the XXXX letter, I've filed a police report with my local police department as well as this complaint with the Consumer Financial Protection Bureau in the hopes that Home Depot / Citibank will reopen and reconsider this grossly unfair decision.
Consumer complaint received 2022-05-02
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account 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 2019-08-24
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. (FL)

The credit agencies erroneously reported the resolution to a credit dispute with XXXX XXXX. The financial institution screwed up with processing my final payment, the dealership where I bought the vehicle apologized for the error and paid to fix the problem, but the credit agencies still show my credit report with a " charge off. '' I requested an investigation from both Equifax and XXXX XXXX. Their " investigations '' were ridiculous. And my credit report still shows a " charge off '' rather than showing that XXXX XXXX screwed up.
Consumer complaint received 2019-08-24
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. (CA)

I mailed certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX about removing the damaging credit reporting history of their account that I already paid off in full. They are using stalling tactics to not properly investigate and remove damaging reporting from my credit report.
Consumer complaint received 2019-08-24
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: Experian Information Solutions Inc. (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I see inaccurate information across the three credit reporting bureaus. As you can see Date of Last reported, date of Last Active, as well as payment status shows different information. I attached a screenshot of the exact report I received. 

I hope you take this seriously. Thanks!
Consumer complaint received 2022-12-14
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. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-11
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. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX Date of inquiry XX/XX/2022
Consumer complaint received 2019-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I contacted Amex on XX/XX/19 to apply for the XXXX XXXX XXXX card. I understand I am not permitted to apply for this card if I had other XXXX cards in the past. I have never applied for any XXXX card in the past. I quickly learned that I was not eligible to receive the 75,000 bonus, despite advertisements as such. I called Amex 3 separate times. I had the call hung up on me 2 of the 3 times. Every representative had no  explanation for me as to why I was denied. I called again on XX/XX/19 and spoke to 5 different agents from different department. They were supervisors and agents and customer service. One representative told me that there are no violations posted on my account and that he does not understand why I would be denied the bonus offer. I was told my another representative that the bonus offer is expired. However, I have friends that recently applied for the same card and was accepted. I spent approximately 1 hour on the phone with Amex on XX/XX/19 to no avail. Each time, I was told they have no explanation why I was denied. I relayed that I believe this was false advertising and a potentially discriminatory practice. Not a single Amex employee had any kind of explanation. Please assist.
Consumer complaint received 2019-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (HI)

I have been using my Bestbuy store credit card to purchase all of my appliances at Bestbuy with promotional interest free offers. My earliest promotional balance expiration date is XX/XX/XXXX. 

On my XX/XX/XXXX statement it appears that I was charged {$6.00} for interest charge on an unknown amount of {$320.00}. 

On XX/XX/XXXX I called the customer service at XXXX to dispute the interest charge and inform the rep ( I don't know her name ) that I should not be charged any interest until XX/XX/XXXX ( on a balance of {$310.00} ). The rep claimed the interest charge was on a regular purchase balance and not on any promotional balance. I told her that I have never made any regular purchase. And if I had any regular purchase at all, I would have returned them back in XX/XX/XXXX. The rep still wanted to investigate to see if this interest charge was correct and I was informed I should receive a letter for determination of the dispute. 

In XXXX I did not make any purchase as shown in my XX/XX/XXXX statement transaction description section. It did showed that some returns were made. However, there was a " regular '' balance magically appeared on the " XXXX & XXXX XXXX '' section. 

In XX/XX/XXXX, I had made 1 purchase with promotional interest deferred offer ( expiration XX/XX/XXXX ). I returned this item in XX/XX/XXXX which showed in my XXXX statement. Besides that, I did not make any purchase, including any " regular '' purchase in XX/XX/XXXX. 

Therefore, I should not be charged any interest until XX/XX/XXXX. I feel that Best Buy Card Services is not keeping good record of customers transactions and trying to charge customers fee/ interests without proper receipt and explanation. Even when I informed them of the error in billing, they still wanted to believe it's valid charge as they want to investigate further if they should reverse the charge or not. 

I have attached my last 3 statements for your reference.
Consumer complaint received 2019-08-24
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: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

On XXXX XXXX i went in person to ACE CASH EXPRESS located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX. I inquired what i need to take a loan out with them sense I've previously taken one out on 2017. The representative said i only need my most recent pay stub and a proper verification of checking account. Which i provided, and never did i sign a application. After all updates were complete the representative told me i qualify for XXXX, and at this point i still haven't signed anything. Then immediately received a email thru XXXX XXXX, that i have a new hard inquiry. I asked the representative if she ran my credit. Witch she confirmed she did. I never gave her a written nor verbal consent, to run my credit. She never asked verbally nor in written if she could run my credit. I called their customer care line, and spoke to one of the supervisor. She explained that they don't need to consent for running my credit, and that its part of there companys policies not to ask the borrower for a consent to running their credit. The only thing i signed stating that its ok for ACE CASH EXPRESS to report to the credit bureaus was the actual lending agreement, but the agreement was giving to me after they ran my credit. I decided to take the loan out sense the damage has been done. I don't feel its right for them to run my credit with no consent. They should start asking customers before doing so!
Consumer complaint received 2019-04-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America visa card On XX/XX/XXXX I closed credit card. I'm a senior citizen and was a victim of social security gift card scam. I was called on my cell where the number for SSA appeared. I answered the call and was told my SS # had been used in criminal activity. To protect my money in bank I was to purchase the gift cards, scratch them, take photo and send by email to : XXXX, where my money would be protected until they would issue a new number. In this bank the amount is {$5500.00} in gift cards. {$5000.00} XXXX XXXX cards & {$500.00} XXXX XXXX cards. 

I asked the bank in letter written to them on XX/XX/XXXX to help me and give me credit for the scam charges and sent them all documentation from OIG.SSA.GOV, pages from SS scam, copies of gift cards. 

The bank response letter dated XX/XX/XXXX stated they completed investigation and charges would remain on my statement. They wanted credits from the stores to be mailed to them. I did contact the presidents of both XXXX XXXX and XXXX XXXX by letter, certified mail RRR. NO ANSWER to me to date. 

I need help from CFPB in resolving this issue. I'm a senior living of monthly social security checks. 

Thank You.
Consumer complaint received 2019-08-24
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: Experian Information Solutions Inc. (MD)

I have notice multiple late payments on my department of education, XXXX student loan account. I have been a XXXX XXXX XXXX at XXXX And XXXX University. My account is deferred until I graduate. There is no way I should have any late payments associated with my account. Please remove them immediately.