davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

I want to express my frustration in working on a Loan Modification with Select Portfolio and XXXX XXXX XXXX XXXX  as an investor on my Mortgage. This process started back in XXXX with a simple request of a Loan Modification due to the fact that I was facing a Hardship.At the moment of my Hardship, I advise Select Portfolio with help because my company was experiencing an extreme Hardship and I could no longer afford my payments. To make matters worst, my husband, became XXXX and was forced to retired. His income no longer became available to the house and forced us to stop making payments. After being reviewed from XXXX to XXXX, they finally agreed to approved me with a trial payments that started from XX/XX/XXXX to XX/XX/XXXX. When I was approved, I had a problem with the second payment which they could not withdraw on time but they did not tell me anything about it until XXXX. In XXXX, a representative told me if I send both XXXX and XXXX payment together, I can comply with the trial. On XX/XX/XXXX, I executed the payment. Once the payment was withdrawn from SPS, they decided to send me a denial letter that they denied me the Loan Modification based on the fact that payments were not received on time. I feel like I was scammed by SPS by them advising to send the payments and then decide to deny me once they receive those payments. Thats when the real problem began. Ever since that denial, SPS has reopen many times a Loan Modification and then Denied me because the Investor XXXX XXXX   XXXX XXXX advises they dont want to move forward with the Loan Modification. Then they send me a letter stating they can help save the house, we reopen a case and month later they denied the Loan Modification based on investor XXXX XXXX XXXX XXXX denying the Loan Modification. They have done the same process for about 5 times. I dont understand how a company can reopen the case, send me letters that we would like to help you save your house through a Loan Modification, and then deny the process. Until last year, they approved me for a repayment plan. The approved me on a balance to be paid back Monthly of over {$5000.00} a month. If they knew that I could not afford this, specially since my previous payment was {$2400.00}, how did they expected me that this would be better. they mentioned that's what the investor approved me on, or else sell the house in a short sale. I could not afford this and the approval was denied. This year, I decided to see if I can even tried to get a repayment plan but just lowered because I want to save my house from Foreclosure, and they advise of a denial that Investor does not want to participate in any program, only a short sale.This is just not fair for me because I been fighting this case for the past 9 years and I feel like no resolution from SPS has been accomplished. I really want to save my house in a loan modification, I do not want to sell my house nor do a foreclosure against my property but I need your help
Consumer complaint received 2019-02-18
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: I.C. System, Inc. (FL)

IC Systems Inc. has continued to reflect a derogatory account entry on my XXXX credit report despite my efforts to challenge the validity of such. IC Systems has not once notified me of this alleged debt in writing. In particular, per FCRA, I was supposed to have received a dunning letter from them whereby I would have had 30 days to dispute the validity of such account. To date, I have yet to receive anything from this company. I have never heard of this company, nor have I ever conducted any business with this company. The mere fact that they blatantly placed this erroneous entry on my credit report and continue to report it is causing further detriment to my creditworthiness. 

In my review of this account entry, ( see attached documentation ), as IC is reporting on my XXXX   credit file, they stated that the account was opened in XX/XX/2017 and they started reporting in XX/XX/ 2017.  How then, did they allow 6 months as per the Affordable Care Act for any insurance payments to process? They did not provide the financial responsibility statement nor any documentation to support or justify this alleged debt. 

In short, this entry is erroneous and unverifiable and must be DELETED immediately due to IC Systems forfeiting my rights under consumer law.
Consumer complaint received 2019-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (OK)

I was a victim of Identity theft and someone used my information at an ER in XXXX  XXXX Oklahoma. I got in touch with the hospital and the person showed no ID and left against medical advice. I have provided all information requested by XXXX to have this removed as Fraud and requested a follow up of the removal over 30 days ago with no response, I would like this removed as it has a negative effect on my credit and is not a valid debt
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (NY)

i fell behind and asked for a hard ship plan due to lost of income i am working the hard ship plan im on is XXXX dollars a month wit 4.9 apr for 60 months but this is NOT being honored by the bank i went to XXXX XXXX XXXX   and seen the manger we called the credit card part of the band thy stated im XXXX dollars behind im not thy also told the manger thy expect me to pay double and triple payments this in not in my agreement with them thy also rported me now 4 months late i am not also thy said you might have made a payment in XXXX but this is not this months payment when it was ive hade nothing but problems with is bank and something needs to be done also was told to bring on a law suet by this company by one of there supervisor and said to BRING IT ON SHE STATED thy also sent me a letter saying im seriously past due i have all paper work and i ask for the CEO to contact me but thy will not have any one contact me with my concerns i even offerd then a XXXX to settle the account got told to call some number and the computer will state what i need to pay and that was a supervisior this is a lot going on here that needs to be looked in to thy are in the rong and im asking for your help
Consumer complaint received 2019-02-18
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: Experian Information Solutions Inc. (NY)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly dele
Consumer complaint received 2019-02-18
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MOHELA (MD)

I recently filed an identity theft report on MOHELA for stealing my SS # and other information to create an account. I requested multiple times in writing and by phone to STOP calling me. I consider their phone calls harassment. They call every Monday.
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

I XXXX XXXX received a credit card in the mail that I did not apply for. The credit card is a Chase Slate card that was fraudulently opened in both mine and my wife, XXXX XXXX name. I then proceeded to call Chase at XXXX on XX/XX/2019 at XXXX AM XXXX. I spoke to XXXX who falsely told me I opened the card on XX/XX/XXXX. 

My concern is as to why this credit card was fraudulently opened in my and my wifes name. Furthermore the bank keeps on insisting I opened the card even though they lack proper documentation. 

I need assistance in terminating this fraudulent card and removing this fraudulent card from my and my wifes financial and credit history. 

Thank you for your efforts on my behalf. 

XXXX XXXX XXXX
Consumer complaint received 2019-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OK)

Someone opened an account in my name at XXXX wireless and there is a bill for {$1100.00} that was turned over to XXXX XXXX. I have sent then identity theft letter, police report, and all documents in that they have requested. Over 30 days ago i asked for a follow up and removal from my credit file. There has been no further communication from XXXX XXXX and this remains on my report. I have already spoken to XXXX and sent in the paperwork to them also. XXXX service is not even offered where i live and the company does not all shipping to my address. It seems pretty obvious that this is fraud but nothing is being done nor has been done for 4 months now.
Consumer complaint received 2020-08-26
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: WELLS FARGO & COMPANY (NC)

On XXXX & XXXX I purchased XXXX concert tickets for my birthday that was to take place on XX/XX/XXXX. As of today we have not received a refund and they have scheduled concerts for days that dont correlate with my schedule. I reached out to Wells Fargo after receiving word that refunds wouldnt be issued and they declined my claim XX/XX/XXXX stating its past the 60 days of notice. I had been reaching out to them since XX/XX/XXXX to see what the resolution would be and I have not received my service or refund!
Consumer complaint received 2020-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (MO)

I contacted Care Credit in regards to losing my job and not able to make payments at this time. I have had this card since XX/XX/2003 and they stated the only thing they can do is waive a late fee. After looking at my statements my balance in XXXX was {$2200.00}. XXXX statement my balance is now {$3500.00}. I had XXXX  work that cost me {$5000.00}. They have charged me {$1400.00} in interest. How can I be charged interest on money that was already paid?? Now my XXXX statement shows more interest being charged of {$64.00}. The lady I spoke with today was zero help.
Consumer complaint received 2019-02-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

Someone applied for 2 credit cards that I did Not authorize!!!

1 ) Citibank Na, XXXX  XXXX  on XX/XX/2019 2 ) XXXX XXXX MasterCard,  sporting goods on XX/XX/2019 I am reporting fraudulent activity!!!
Consumer complaint received 2019-02-18
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. (OH)

I have found several name and addresses on my credit report that do not belong to me. I have recently filed a FTC and XXXX Police Dept Report. My full name is XXXX XXXX XXXX please delete any and all variations of my name THEY ARE NOT ACCURATE. My current and only address is XXXX XXXX XXXX, XXXX OH XXXX. I AM A VICTIM ON ID THEFT. THE FOLLOWING ADDRESSES ARE NOT MINE PLEASE DELETE THE FRAUDULENT ADDRESSES : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX OLD XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have phones numbers that are not mine showing as well please delete this unknown phone numbers ( 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 2020-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company (TX)

I stopped into the XXXX XXXX XXXX XXXX in 2019 to make sure I did not have any unpaid account. I spent an hour discussing with the receptionist there while she checked on my account. I was advised that I owed nothing and it had all been paid. 

I gave her my name, social, address and all other information for her to verify my account. After her response, I asked her to recheck and she verified this. I now get a notice that I owe {$170.00} to this company through a separate bill collector called merchants credit guide. 

I am very tired of trying to fix things that should have been fixed by the original company. It is not what you want to do when you have XXXX. It is continued harassment for doing the right thing : paying my bill!
Consumer complaint received 2019-02-18
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. (NY)

I feel my personal informantion was taken and used to get car loans and credit for numerous lenders i was advised to submit this form to take actions for the fraudulent accounts that was open in my name without my authorization I hope this will bring and to issue
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I feel my personal informantion was taken and used to get car loans and credit for numerous lenders i was advised to submit this form to take actions for the fraudulent accounts that was open in my name without my authorization I hope this will bring and to issue
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I went to XXXX to get my reports. I asked me to select which reports I wanted. I selected XXXX and Equifax. I was able to see my XXXX report and print it however it did not give the opportunity to see the Equifax report. I attempted to submit it again and it gave me an error message.
Consumer complaint received 2019-02-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC (MN)

I recieved a letter from XXXX XXXX  on XX/XX/XXXX stating my mortgage loan would be transferred from Stearns lending LLC to XXXX XXXX  effective XX/XX/XXXX. In this notice of servicing transfer, it stated Stearns lending LLC would stop accepting payment recieved from me after XX/XX/XXXX. Those are the words used verbatim. I recieved another letter from Stearns lending LLC on XX/XX/XXXX stating The notice of loan transfer it states verbatim : the servicing of your mortgage loan is being transferred, effective XX/XX/XXXX. This means that after this date, a new servicer will be collecting your mortgage loan payments from you. Nothing else about your mortgage loan will change. Stearns lending LLC c/o XXXX XXXX XXXX is now collecting your payments. Stearns lending LLC c/o XXXX XXXX will stop accepting payments recieved from you after XX/XX/XXXX. XXXX XXXX   mortgage will collect your payments going forward. Your new servicer will start accepting payments recieved from you on XX/XX/XXXX. Send all payments due on or after XX/XX/XXXX to XXXX XXXX XXXX  XXXX at this address ( then they gave me the info for XXXX XXXX  ). I then set up automatic payments to start for XXXX XXXX  on XX/XX/XXXX on their website. I looked at my bank account on XX/XX/XXXX to make sure the new payment went through smoothly to see a negative balance because Stearns LLC STILL took my mortgage payment out. So, now I had paid my mortgage payment not only to XXXX XXXX ( new servicer ) but the payment had also been made to Stearns as well without my permission. I tried calling Stearns on XXXX and someone told me they were taking care of it and they would overnight me a check. That never happened. I proceeded to call both companies numerous times daily for weeks trying to figure out where my money was and neither company knows where it is. Stearns stated on XXXX over the phone that my loan was actually tranferred on XX/XX/XXXX and that the funds were sent over but XXXX XXXX  states those funds ( the mortgage payment made on XXXX to Stearns ) was never recieved and that it could take up to 30 days from the transfer to see those funds. Another person stated from Stearns that the money was in a suspended area of the account and that they dont know where the money is now. I am currently on maternity leave and I do not have the money to be able to pay my mortgage this coming month now because Stearns took this money from me and refuses to give it back. I filed fraud for the payment at my bank a week ago but still have not recieved any information as to where this money is or how to get it back. I am out of options and need help.
Consumer complaint received 2019-02-18
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. (NY)

I feel my personal informantion was taken and used to get car loans and credit for numerous lenders i was advised to submit this form to take actions for the fraudulent accounts that was open in my name without my authorization I hope this will bring and to issue
Consumer complaint received 2024-11-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

My Wells Fargo XXXX account was compromised. XXXX amounts : {$4200.00}, {$4200.00} and {$4100.00} were transferred to unknown recipients. The first one ( {$4200.00} ) on XX/XX/year> was caught by WF and stopped. Over the subsequent week, 2 others were made. When the 3rd payment was made, I called 4 hours after ( it was made at 3AM ) and told them that it was not me. They said they would do their best to get my money back. WF is now telling me that these transfers were made via biometrics by me or someone close to me- which was not the case. WF moved the remaining money to a different account. I changed all the passwords and was issued new cards. Tried to escalate with the fraud protection hotline and they refused. I do not understand why WF allowed subsequent transactions to be put through after they found the first to be fraudelent.
Consumer complaint received 2019-02-18
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: LEXISNEXIS (GA)

checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. 
Please remove all none accounts holding inquiries and send my a copy of updated report.
Consumer complaint received 2020-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (WA)

I am trying to refinance. Freedom mortgage has had 9 requests since XX/XX/2020 for my payoff by my escrow company. I have numerous emails and names of who they have spoken to and all of the processors at Freedom mortgage are stating that they did not get it, when I have been given proof that faxes have been received, calls have been made. 

Requested payoff XXXX Checked on payoff XXXX was told it would be here in 5 days checked for payoff on XXXX told they never received request resent through fax XXXX was told I would have it in a day XXXX was told they never received the request XXXX called spoke to two people one in the XXXX we have everything we need and will get it to you XXXX XXXX  We are working until XXXX XXXX  we will get it XXXX spoke to someone ( name in my file ) told it would get here on the XXXX due to virus. 


We just need a payoff. My new refinance loan lock is going to expire and it will cost me {$900.00} to keep my lower rate. 

I need some help. Now their phone number is not taking calls.
Consumer complaint received 2020-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I have debt of {$830.00} in collections from a company called Midland Funding LLC. I've tried talking to multiple companies for years and explaining that I do not recognize this debt and that it has been a case of identity theft for about 7 years now ( XX/XX/2013 ), but is still affecting my credit history. 

I was already promised that it was going to be removed by a different credit company that was holding the account. 

Now I see that this account has been taken over by a different company.
Consumer complaint received 2020-04-09
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. (AR)

I was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.