davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have applied for a loan modification or loan deferment on my mortgage as my income has been impacted by COVID19 on XX/XX/XXXX with Select Portfolio Servicing Inc. 

They have requested documentation of which I have provided. I keep getting the run around from different customer service reps, asking for random documentations, bank statements utility bills, and tax returns. I have complied with all their requests. They continue to have me re-apply, direct me to their website, which locks me out. Taking me out of a program and switching to other loss mitigation programs. This has taken a toll on my XXXX 

Also, I was told that because I am in their forbearance program, I would not be reported late. Today, XX/XX/XXXX, I called to follow up, and now they tell me they need more information. I am currently going through a divorce. They asked me for a copy of my soon to be ex husbands profit and loss statement, which I provided in XXXX. They said that is all they needed. Now they are asking fo a divorce decree. Each month they always say that is all that is needed, but they keep dragging the process out month after month. This has taken a toll on my XXXX and now they said they are reporting me late. 

I have always furnished every document they have asked for in the last 7 months, and would like a resolution. Please please help me!!!
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-04-25
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights 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.
Consumer complaint received 2022-02-15
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. (TX)

I am filing this complaint against XXXX, Experian, XXXX because I have previously disputed this account with the bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me- the alleged account holder - there is no way you were able to verify this! I have filed a complaint demanding a deletion for this unverifiable account.
Consumer complaint received 2020-11-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

We started the refinance process with Citizen 's Bank on XX/XX/XXXX. Citizen 's sent an email with various documents to be reviewed and signed, which we did on XX/XX/XXXX. 
An appraisal. was done on XX/XX/XXXX at a cost to us of {$580.00}. 
On XX/XX/XXXX, a processing specialist sent an email stating the loan is conditionally approved and she had a few questions and document requests. on XX/XX/XXXX, we answered all requests. 
We have reached out to the loan officer numerous time and been told there's a backlog. 
After 4 months, we called corporate and asked to speak to his supervisor. We call the supervisor multiple times and he never responded. 
We feel like we've neem taken advantage of since we've spent {$580.00} on the appraisal and still haven't received the loan. We could have went to another bank, but they would want another appraisal at our cost again. 
We've called the PA Banking Commission and they referred us to this office. 
Thank you, any help in this matter would be appreciated.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HANCOCK WHITNEY BANK (WA)

XX/XX/year> attempted to change address, questions did not make sense could not authenticate... 

XX/XX/year> failed attempt to change address with same inconsistent questions .... 

XX/XX/year> attempted to change address to my new address, asked me public information with inconsistent answers/questions could not verify XX/XX/year> attempted to change address to new address, asked same series of questions that are inconsistent XX/XX/year> attempted to change address, failed XX/XX/year> attempted to change address to my new address, asked me series of logically inconsistent questions that are supposedly public information and could not authenticate My banking information might have been leaked due to malfeasance of this company. They have not made any effort to authenticate me ; I would need to buy a plane ticket to visit the nearest branch and I made this clear to them, but they keep asking the same series of logically inconsistent questions. 

Despite this I can log into my bank account, withdraw funds, transfer funds, so that is not the issue, but my personal information related to this particular account might have fallen into the wrong hands, since they had sent statements to the old address and I have no peace of mind that they wouldn't send my new debit card to the old address.
Consumer complaint received 2023-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AZ)

MOHELA is not correctly applying the limited PSLF waiver in a timely fashion. I submitted my PSLF waiver in XX/XX/XXXX and they still have not properly adjusted my account for forgiveness correctly. They are showing 116 eligible and qualifying payments but denied 15 payments as not qualifying because no payment was due for those 15 payments or there was a forbearance period. That is completely false and even if it was true, those payments would still apply under the terms of the limited waiver. I think MOHELA is being fraudulent in their approach here intentionally to prevent loans from being forgiven because they lose interest and also lose accounts that they would have to service for the federal government. This is all about their bottom line and they are not honoring the intent of the limited PSLF waiver and the law. In addition, I have submitted another PSLF form to certify my employment since the last PSLF form was submitted and partially applied as this will take me to 120 qualifying payments, but they told me they won't process my form until XX/XX/XXXX. This is ridiculous and CFPB should know about this and warn consumers. Consumers should contact their congressional representatives and demand more. I will be writing my congressman and senator tomorrow, I've had enough and I am trying to buy a house but this student loan which should be forgiven and off of my credit report is preventing me from doing so. Please help! I've called MOHELA many times and they tell me to keep waiting. I started this process in XXXX, it's now almost XXXX. Thats 240 days, they said it should take 90 days. They lie!
Consumer complaint received 2022-07-23
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX  Account 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 2020-11-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (FL)

My husband and I have a direct pay account with this loan company that automatically withdraws out of our account every first part of the month so far for two and a half years we had no problem with this loan company or them with us. XX/XX/XXXX this year, shows my account, on the loan company 's website that they went in to pull the funds from the bank but then did an reversal on the same day in which me and my husband did not know we figured all bills paid with no problem, Today XX/XX/2020 we get a text from One main loan company stating that our payment was returned, and that we are to call them, even on their website says that they will charge my account {$20.00}, plus charge me a {$15.00} late fee on top of the payment. Our payment is {$110.00}, they charging us today {$130.00} altogether, which is unbelievable, we never had a problem with the loan company making our direct payments. We changed banks this month and we put our bank information for autopay direct to make payment. Also my husband and I went to our bank and got proof that the loan company never made an attempt to even pull from our bank account. The account was not insufficient of funds at the time of XX/XX/2020 And would like to know why did the loan company wait too XX/XX/2020 to not honor the payment agreement of direct pay, especially at this time of the holidays. We called this morning to speak to a customer representative about this problem she told us that they will try to waive this fee and if it's waived it will be 2 to 3 business days, and again called a second time to another customer representative and she said the same thing but for us to fax our proof of what we have too them even though we have to wait 2 to 3 business days for the unjust charges to be waived. In the meantime they want too charge us late fees. plus never emailed me at the email address they have on file throughout the month of XXXX.
Consumer complaint received 2020-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

The following is a chronological order of my account 1. XXXX Mortgage was serviced by XXXX. 
2. In XXXX of XXXX an escrow was originated for property taxes only, insurance paid through our condo master policy. 
3. XX/XX/XXXX property taxes paid of XXXX leaving a negative {$230.00}. 
4. XXXX and XXXX escrow payments cleared up negative leaving an actual balance of XXXX going into new year. 
5. XX/XX/XXXX loan transferred to XXXX XXXX. All year XXXX {$230.00} per month contributed to escrow for taxes. 
6. XX/XX/XXXX A FINAL ESCROW ACCOUNT DISCLOSURE STATEMENT SENT TO ME FROM XXXX SUPPORTING THE LAST 4 MONTHS OF THE LOAN ESCROW. 
( ATTACHED ) 7. Monthly escrow payments all year XXXX to XX/XX/XXXX x {$230.00} / {$2700.00} 8. Then after XXXX paid the XXXX taxes of {$2600.00}, they claimed a deficiency of {$2000.00}. 
9. I have been disputing this calculation beginning XX/XX/XXXX. 
10. XX/XX/XXXX, the loan was transferred to Rushmore Loan Management WITHOUT clearing up the dispute. 
11. I had to start all over again with Rushmore and to date my exact dispute questions have not been addressed and after months of letters and phone calls I can not get a simple explanation as to why there is a deficiency. 
12. In XX/XX/XXXX, Rushmore notified me that they were raising my mortgage payment some XXXX monthly. 
13. Now my XXXX taxes are due and there is a large deficiency again, Not sure how much. 
This account has been switched 3 times in 18 months and as of the XX/XX/XXXX I agreed with the final escrow from XXXX. Based on this baseline established, my contributions should have been enough for property taxes, maybe a small adjustment for annual increase but nothing like what I am being told. 
I have attached the final escrow statement from XXXX which was the baseline.
Consumer complaint received 2020-11-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (NY)

The person calling said they were calling from EOS CC, a debt collection. 

My complaint, however, is that on caller ID, they come up as " XXXX XXXX XXXX '', which is a credit card company. A call from them would likely mean a credit card was compromised. 

It turns out, a debt collection agency is having their number appear to come from a different company. 

The number is XXXX XXXX XXXX XXXX. It is not the number for XXXX XXXX XXXX.
Consumer complaint received 2022-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

Hello, We have a business with a XXXX XXXX XXXX. Someone on their name contacted us and the conversation was perfect. They send email with the invoice and everything and we transfer the money. It was around USD XXXX we send to a bank in JP Morgan XXXX from XXXXXXXX XXXX  XXXX. 

It was done in XXXX and today we get to know that it was not the company account. It was a scam.
Consumer complaint received 2022-04-11
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act, XXXX Account # 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 2020-11-18
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. (TX)

A few years back we entered into an agreement to have my student loans reinstated and have a payment plan. Part of our agreement was to have the late payments removed from my accounts and updated with all 3 credit reporting bureaus. This was never done despite us following through. This is now negatively impacting my credit.
Consumer complaint received 2020-11-18
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. (FL)

To Whom It May Concern, I have mailed complaints to TransUnion on XX/XX/2020, and XX/XX/2020, and they have not responded or resolved the matter. I am attaching a copy of the mailed complaint for your records. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor name XXXX XXXX XXXX ( Reason for investigation : inaccurate information. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX 
Original creditor name : Diagnostic imaging Services ( Reason for investigation : inaccurate information. Please Un-verify & delete this information )
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

I have already submitted a complaint which has been closed, but it has not actually been resolved. I completed my settlement agreement with American Express. They have changed the status to " settled '' on my credit reports, however it still shows a balance of {$1200.00}. There should be no remaining balance due as this has been SETTLED.
Consumer complaint received 2022-02-15
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. (LA)

The Following accounts were all included in identity theft claims that I have already expressed to each company listed. Pursuant to 15 USC 1681c-2 the consumer reporting agency ( Transunion, XXXX and XXXX ) shall block the reporting of any information in the file of a consumer that the consumer ( ME ) identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency 1. appropriate proof of identity ( I have provided all identifying information with this report to identify myself to these companies 2. copy of identity theft report ( I have attached for your records ) 3. identification of such item by consumer ( this is my third and final time identifying that there is an issue that has not been resolved with removing these inaccurate items.

4. a statement by the consumer ( This serves as my statement that none of the below accounts are related to any transaction by myself ). 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX By law these accounts sitting on my consumer report any longer are a violation of FEDERAL Laws. I am a litigious consumer and will go to the full extent of the law to make sure my consumer report reflects complete and accurate information. This is my last and final attempt to remedy this situation before I file a petition to sue.
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am a victim of identity theft, my information is being used fraudulently since the XXXX Hack in XXXX. This account with this company showed up XX/XX/XXXX on my credit report however the credit reporting agencies are reporting that this collections account was opened on XX/XX/XXXX. I have sent the company multiple letters asking for an verification of debt bearing my signature however I have not received a response. I do not have an account with XXXX XXXX nor have I had one in the past. I have attempted to contact the company and additionally I have been working with law enforcement to get this straightened out and corrected. I was given a police report number XXXX Please assist with getting this rectified this is not my debt I am requesting that Portfolio Recovery Associates immediately remove this collections account from all credit reporting agencies ( XXXX, XXXX, XXXX ) I want them to immediately cease and desist all written and telecommunications attempts to collect this debt. Portfolio Recovery Associates states that I owe them this debt of XXXX. I have repeatedly asked them to provide validation/verification of this debt BEARING MY SIGNATURE. As required by the FDCPA Section 807 ( 8 ). I have never done any business with them, signed a contract nor do I owe them money. XXXX, XXXX and XXXX have stated that account information disputed by customer, meets FCRA requirements. They have not marked this account as disputed which is also a violation of the FDCPA with a sentence of customer has disputed validity of this item. Which has been over 30 days by law they have to add the dispute notice within 30 days. The credit reporting agencies included but not limited to XXXX, XXXX, XXXX are in violation of the law and must remove Portfolio Recovery Associates from my credit file.
Consumer complaint received 2022-09-27
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. (MT)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Date opened XX/XX/2019 Balance : {$0.00}.
Consumer complaint received 2020-11-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 

Name Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have kept all documents sent to the company along with certified mail receipts. I will use this in courts as proof.
Consumer complaint received 2020-11-18
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: SYNCHRONY FINANCIAL (PA)

On XX/XX/2019, SYNCB/TJX CO add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX.