davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

I filed a complaint with the ombudsman XX/XX/XXXX, as of today I have not heard back. 

1. How my {$3600.00} payment on XX/XX/XXXX to chase was applied by SPS along with {$1400.00} escrow balance at the time. 

2. All statements have other charges and fees. I Want a detailed reason for each of the fees from {$120.00} upward to {$200.00} what they are for? AND What is today 's total for those fees? 

3. I Want a detailed reason why partial payments and unapplied monies continue monthly for years. Where is the money sitting and why is it not fully applied? 

4. I Want a detailed reason and know where this money sat for months from check # XXXX for {$1400.00} from XX/XX/XXXX documented as escrow only. SPS ADMITTED THE ERROR and refused to apply the monies to escrow from the date of the check as discussed with a representative that it would be. After SPS applied it, who knows where! I want to know! At the same time SPS ran 6 escrow analysis and never credited my escrow account but changed my monthly payments each time. 


5. XX/XX/XXXX my monthly payment was made of {$960.00} with a second payment XX/XX/XXXX of {$2900.00}. I Want a detailed explanation where this money was applied. 


6. I Want a detailed explanation of expenses pd by servicer and property fee FOR WHAT? Nobody has ever knocked on my door from anywhere related to SPS yet fees continue.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

This is a follow up to CFPB complaint XXXX credit card account ending in XXXX from XX/XX/2018. 
A letter from TD Bank was received by me on XX/XX/2018 stating that my complaint was received and that my debt was paid on XX/XX/2018 in the amount of {$6200.00}, which was the agreed upon settlement amount. I was asked to wait up to 45 days for the major credit bureaus to update their records and an apology that TD Bank did not report accurately to the 3 bureaus on my behalf. 
I also have a letter from XXXX XXXX dated XX/XX/2018 stating that this debt was paid. 
Upon checking my credit reports in preparation to purchase a home, I find that TD Bank is still reporting the account with a balance due of and an open charge off right up until the present time. They have been falsely reporting inaccurate data on my credit report since XXXX of 2018. 
This is seriously hurting my credit scores and my ability to get any type of loans. 
This is fraudulent activity by TD Bank and I want this information removed immediately and updated, backdated and all previous reporting that is inaccurate removed from my credit reports in all 3 bureaus. I am happy to provide all written documentation from TD Bank.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

In order to complete applying for an apartment, the company needed to verify my credit report through Equifax. I have impeccable credit and full access to positive reports from both XXXX and XXXX XXXX. However, the apartment company was unable to verify the report through Equifax. After several hours of waiting on the phone, I learned that Equifax has simply failed to record my information completely. It seems they have the correct address and SSN, but only lack my full zip code and the last few digits of the XXXX. 

I called Equifax customer support multiple times over the course of XX/XX/XXXX - XX/XX/XXXX and received almost no information or support to resolve this frustratingly simple issue. I verified my identity using my driver 's license and SSN on countless occasions, yet no change is reflected in my account. The representatives at XXXX have also reached out to Equifax on my behalf, and have still received nothing. I am currently homeless and I am about to lose housing due to Equifax 's refusal to help. They have no point of access to receive assistance other than a call center full of employees with a limited grasp of the English language and who have no idea how any part of this system works. I have been repeatedly and rudely refused help by employees, and have even been given false information by employees ( such as being given the wrong address by which to send my information for verification ). I have sent information through the mail, and yet still have received nothing in return. I have created an account on the Equifax website, in an attempt to resolve my issues quickly on my own, and the website similarly refuses to even let me file a dispute claim, with absolutely no explanation, only offering the customer support number that I already tried, and where I was told to use the website instead. 

After the XXXX breach of my credit information that they allowed to happen, Equifax continues to threaten my safety and wellbeing through maliciously designed systems, meant to waste time and prevent consumers from finding housing despite meeting the financial burden. If my bank was able to send full and accurate information to both other credit bureaus, Equifax 's failure is unacceptable.
Consumer complaint received 2023-11-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: PNC Bank N.A. (CO)

PNC offers Check Ready auto loans in Colorado but is unwilling to provide the necessary paperwork to register the vehicle with the state Colorado. I have spoken with PNC multiple times at multiple levels and they refuse to comply and seem unaware of the requirements of the state. Specifically Colorado requires the following : If a lien is to be recorded, an acceptable mortgage document ( security agreement ) must be provided. The mortgage document must be an original, carbon copy, or a certified copy and must contain vehicle description - year, make, vehicle identification number or XXXX, lienholder 's name and address, XXXX amount, and owner 's signature.
Consumer complaint received 2023-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (CO)

I originally had a loan being serviced with XXXX. My loan was sold to XXXX XXXX  and the servicing is being done by LoanCare ( XX/XX/XXXX  ). I have attempted to contact LoanCare so that I know where to send my payment, due on XXXX XXXX. It has been a couple of weeks and still no information. I can not get through on the phone, online, OR via email. After reviewing all the complaints re : this company on multiple sites, including XXXX, I want to payoff the loan in full because I think it's only going to be misery going forward. This wasn't what I had planned to do, but no other option really. I would appreciate you contacting the company on my behalf.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

On XXXX XXXX  a credit application was submitted for the Business as I was applying for a business credit card. I had entered my EIN and then was asked for the SS #. I had no choice but to enter my private information into he portal to complete the application., I received a response that the account was denied. Apparently for the low XXXX  score and a serious delinquency that does not belong on the report to begin with. I have contacted customer service in regards since this is adverse action against me and fraud in accord as they are aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and assume civil liability pursuant 15 U.S Code 1691 ( K ). which has violated my federally protected consumer rights : and also in accord to12 CFR 1002 Regulation B and also 1002.7 with the rules concerning extension f credit. 


1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter they sent me dated XX/XX/XXXX  is both a proof and evidence that I have been discriminated against, American Express is also criminally liable. should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 


Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (MO)

American Express offers a " Pay Over Time '' function on my XXXXXXXX XXXX. It is advertised, on their website, that you only pay interest " on the amount you choose to pay over time. '' In reality, they are applying interest to the entire card balance, including new charges which have not required payment yet. 

Ex : I underpaid my statement balance last week by about {$2200.00}. Since the end of that statement period, I had another {$6500.00} of charges which were not yet due ; they are due to be paid by XX/XX/22. 

American Express is charging me interest not on the {$2200.00} I elected to pay over time, but on the entire {$8700.00} balance of the card. 

After multiple attempts to get this amended by AMEX, I don't have a choice but to submit the compaint here. I did look in my recent card member agreement, and it discloses that they charge interest in the way I described above. But, this is completely contrary to their marketing material and the way it was sold to me when I first enrolled. I have a screen shot of their website showing that interest will only be charged on amounts you choose not to pay on each statement. It also shows that my card is one of the card this arrangement applies to.
Consumer complaint received 2023-11-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (LA)

My now deceased husband passed last XXXX XXXX I have been trying to get a hardship package done because my income reduced after the passing of my husband XXXX XXXX he has a Va loan I keep doing hardship packages from freedom mortgage and I keep getting the unprofessional discrimination treatment from them I have done about XXXX to XXXX applications for hardship and still nothing now they are disconnecting the calls claiming that they cant hear me XXXX XXXX I talk to someone who goes by the name of XXXX who supposedly to be my single point of contact Id : XXXX at freedom mortgage I am XXXX almost XXXX months behind on my mortgage and they said that I was sent a breach letter that I never received from freedom mortgage I have been discriminated against my distressed hardship my age and I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent XXXX you furnished alleged transaction ( s ) on my Experian and XXXX that you identified as late. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law!

I am requesting under rule 1002 the documents that show proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. 

Do not reply to me stating that you are furnishing accurate information because we both know you are not. 

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. 

You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction ( s ) you have listed as late : XXXX ACCT  # XXXX Without Recourse UCC 1-308
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I had a checking account with online banking at BofA. At some point several years ago I established an automated transfer of {$320.00} once a month to a checking account at another financial institution. At some point, I don't know when but I suspect probably during a system conversion or a new online banking app conversion or maybe a product conversion the automated transfer was not viewable in online banking where external transfers are managed. The transfer continued to occur every month and after several attempts at researching at BofA and the receiving financial institution, I could not get the transfer turned off. I spent several hours in different phone conversations. It was always very difficult to get connected with someone appropriate to talk to at BofA. I decided to close the account. After the account was closed, the transfer is still happening each month. {$320.00} leaves my current financial institution checking account and because the account that previously received it is closed, the {$320.00} transaction is rejected and the {$320.00} is returned to my account. IT IS NOT BEING INITIATED BY MY CURRENT FI, it is being initiated by an ACH transaction from BofA. I have since spent a couple of more hours trying to resolve the issue with BofA, including a social media complaint and a phone call that took at least 40 minutes. I feel my only solution now is probably to close my account at my existing FI also but I really don't feel I should have to do that. I can't afford more hours trying to find someone at BofA to fix this though.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (ND)

In accordance with the fair credit reporting act.. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681.. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... ... ... 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 an account without my written instructions...

15 u.s.c 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years..

15 u.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Consumer complaint received 2023-11-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

XXXXLakeview loan servicing is the mortgage administrator for my home loan. I have been trying to pay my XXXX mortgage for over a week. This companies site has been down for almost 2 weeks without any notifications from this loan servicing company. If you go to their site is says page not found. The company has not indicated any waivers of late payments due to their site being down and again no notifications were provided. When you call the company you speak to an " Incident response '' team that will not provide any information or estimated repair times. I do not want to be penalized for something out of my control and again no communications were provided to date! This is no way to conduct business with such important transactions being handled!
Consumer complaint received 2023-11-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (PA)

Kay jewelers say I owe {$4000.00} my personal information was hacked and someone else used my personal information The notice on mailing was XXXX XXXX I assume you would have to ask company to see what dates charges occurred on This is the reference number they gave me XXXX XXXX XXXX XXXX is the company There phone number is XXXX I dont have time to deal with their inaccurate information Their address is XXXX XXXX systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Thank you for your time Also I will not give my social security number out because of the fraud I suffered before
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

In accordance with the fair credit reporting act.. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681.. 
Account Name .... XXXX XXXX XXXX  .... Account # XXXX ... Account Name... XXXX  XXXX  .... Account # XXXX ... Account Name .... XXXX XXXX XXXX ... Account # XXXX .... Account Name .... XXXX XXXX ... ..Account # XXXX .... Account Name ... XXXX XXXX XXXX XXXX ... Account # XXXX ... Account Name ... XXXX  ... Account # XXXX ... ... ... 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 an account without my written instructions...

15 u.s.c 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years..

15 u.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..