davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (MA)

To Whom it May Concern, As a XXXX XXXX directly impacted by Covid, my husband and I have tried excessively and exhaustively to modify our mortgage loan serviced by Selene Finance. I must say that our initial rep, XXXX XXXX, was amazing and should be praised for her professionalism and dedication to help us achieve a modification due to the financial hardship we've experienced from this pandemic. With that said, that is where the good ends. After submitting all of the requirements and receiving verbal acknowledgement from XXXX XXXX, in addition to a notice sent from Selene that our modification packet was indeed completed and received in whole, we received a notice from Selene, dated prior to my conversation with XXXX, XXXX, but after the letter stating it was complete, that now stated we were denied due to an incomplete packet. Please note, during this time, Selene was reporting our loan as " non-govt modification '' with the previously agreed upon payments to the credit bureaus despite sending a letter of denial. 
I again reached out to XXXX who again confirmed the account notes stating our packet was complete, we were just awaiting underwritting and she would reach out to her supervisor and to call back in a few days. I called back as directed and was informed that our modification was closed out for reasons unknown and she was going to again try her supervisor. Ive tried multiple times to speak again to XXXX, which I've been denied and on more than one occasion have been told, by other customer service reps, " Yes, I can see that, but there isn't anything in your account about why you didn't get your modification. I don't know, just try submitting it again ''. Which I did, to no avail. I submitted a QWR letter on XX/XX/2021, which has gone without acknowledgement or answer, I get hung up on now when trying to call, and we received a notice of foreclosure auction for XX/XX/2021, without enough notice given to use to prevent the foreclosure from taking place as Selene requires a modification packet must be received more than 35 days before a foreclosure auction date. 
Selene is not only wrongfully denying borrowers foreclosure prevention actions, but also violating RESPA regulations. 
As a Covid XXXX, I put my life on the line, got XXXX  and now am losing my house due to Selene 's negligence. We sincerely and genuinely just want to pay our mortgage loan like every one else. 
Is there someone that can help resolve this issue? 
I do apologize for reaching out this way, but unfortunately felt I had no choice. 
Thank you for your time and consideration, it sincerely is appreciated. 
XXXX XXXX.
Consumer complaint received 2022-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (DE)

To Whom it may concern : I have been a victim of Identify theft with a creditor name XXXX. In XXXX of XXXX I was informed by my mortgage company there was a file listed in the XXXX XXXX XXXX XXXX  for a Judgement against me for {$5400.00}. I was not aware of the Judgement against me was never inform as not even a letter sent to me. I was informed to contact The Bureau Investment Group to find out there was a credit card in my name for {$3000.00} dollars first of all I do not use my maiden name the credit card account supposed to have been open back in XX/XX/XXXX according to The Bureau Investment group I had no idea of a credit card in my name for {$3000.00}. I never had a credit card for that much in my name ever I don't go around opening up credit cards. On XX/XX/XXXX I talked to a XXXX XXXX from The Bureau Investment Group I asked did he have any information far as a copy of the credit card application showing my signature he responded no I explained to him that I been a victim of identify theft he told me he will send me an form affidavit of forgery along with a copy of the court Judgement. I have received the affidavit form and I returned it back to The Bureau of Investment for Investigation. In XX/XX/XXXX I had contacted the Bureau Investment to see if they had received my Affidavit forgery form back and I spoke to a XXXX XXXX she said they had received it along with a police report notarized and all. I asked XXXX XXXX do they have any application showing my signature to this credit card fraudulent application she reply no also XXXX XXXX told me to call back because The Bureau Investment will disclose the account because it has been to long over 20 years. I called back in XX/XX/XXXX to get some information on the investigation due to the pandemic no one in the office. I called again back in XX/XX/XXXX spoke to a XXXX XXXX he started to disrespect me on the phone and accuse me of the credit card account that I have been a victim of identify theft he never mention to me about the investigation that The Bureau of Investment was supposed to do on the account. The Bureau Investment Group was giving me a bunch of run around no investigation done on the account. I will not be responsible for a Identify theft that happen to me and I showed all my credentials to this company XXXX prove to them that I have been a victim they are trying to get me to pay back money to a company I have no knowledge of. I'm starting to believe this company is a fraud The Bureau of Investment I haven't heard anything from them. Please help I would like to have this case close with the XXXX XXXX XXXX XXXX to close out this fraudulent account.
Consumer complaint received 2021-02-17
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: U.S. BANCORP (OH)

On XX/XX/2020, US BANK add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-03-21
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. (CA)

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 2020-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (CA)

Hello American Express! 

I wanted to thank you for taking the time to read my letter, I am sorry I had to resort to a CFPB Complaint however my concern is dire and because of the conflicting information provided from previous customer service agents, I feel getting a hold of the Executive/Office of the Presidents would be the most appropriate. 

I've been a member with American Express since XXXX, I had a great history with NO DELINQUENCES whatsoever! My card was paid in full and I never was late, I even took a proactive approach which jeapordized my account because a customer service rep. who had encouraged me to do the wrong doing at American Express. 

In XXXX I started to have some financial hardship, I had lost my job and was unable to pay my credit cards, however, I was able to use my AmEx and pay for it as it was essentially my debit card and had enough funds for my everday expsenses, I was just unable to pay my credit cards. 

I contacted American Express letting them know about my financial hardship and that I was NOT going to be including my American Express card in my bankrupcy for a few reasons. 1. American Express is not only my favorite card but my favorite lender! They have the best service ever! 2. I enjoyed my card and did not want to give it up 3. It would've been unfair for AmEx for me to include them in my bankrupcy because I had no issues paying them and still don't. 

However, I decided to call AmEx as a proactive measure because I had heard that even if I did not include AmEx in my discharge, they would still close my account the second they saw the public record discharge, even if I was never late! I was then encouraged by the customer service rep. ( PLEASE REVIEW THE PHONE CALL!! ) where they encouraged me to discharge my American Express and NOT PAY FOR IT!! I WAS SHOCKED!!! 

I followed the customer service rep. advise as they encouraged me to not pay AmEx because they would just close my account out anyways. In doing so, I received an offer for the " XXXX XXXX '', where AmEx promised to give me back my membership, totaling the credit line I had defaulted on IF I paid them. 

Now, however, 6 years later, American Express still hasn't lived up to their promise of giving me back my membership if I pay off my entire balance. I am writing this letter in hopes to get a hold of an indiviual who will help me with this journey of paying back my balance, being taken off their " blacklist '' and offered the promised product.
Consumer complaint received 2020-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Its been over 30 days and yet Transunion and XXXX still have fraudulent remaining accounts reporting on my credit file. Both Transunion and XXXX did remove some of the accounts from my identity theft report except for US Dept Ed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. In addition there are many addresses that I requested to be removed that are currently displaying as well as several different dates for date ( opened ) for each of those accounts which is inaccurate in itself. I was sure to include these accounts my identity theft report so I'm not sure why they are still showing up. Goods or money were never received by myself in relation to these accounts. I continue to be denied credit due these circumstances of which I am not at fault. I also requested a fraud to prevent this in the future. I am aware of rights under the FCRA and FACTA sections 605b, 609, 611, and 623. I expect for XXXX and Transunion to adhere or face litigation.
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I recently checked my credit reports and learned that an account in good standing had been removed from my credit report without my authorization, knowledge or in error. This has significantly affected my credit score and ability to apply for new credit. I ask that this account be placed back on my credit reports. This should be reported by law until XX/XX/XXXX. 

Account info Account name US DEPT OF EDXXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$20000.00} Highest balance {$0.00} Terms NA On record until XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

I bought a car from XXXX XXXX that was an XXXX  XXXX XXXX. I had the car from a few months. I volunteered and returned the car due to predatory practices. I was abused and felt compelled to invoked my rights as it pertains to the Truth and Lending Laws. The representatives at XXXX XXXX was understanding that the dealer that I bought the car severely overcharge me. The car has been sold, I was also notified that the closed account will be removed from account
Consumer complaint received 2020-05-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (MD)

I filed an Chapter XXXX and learned for the first time that I owed Santander. I reached out to Santander to learn that the purchase debt from Gateway One Lender that had been paid in full. I explained to Santander that the account was paid in full at Gateway Lender, they did not want to hear that. And states that they would not be removing the claim from my chapter XXXX claim. This claim was filed fraudulent and should have been removed upon request and should have never been sent. My original claim was with CFPB on XX/XX/XXXX claim # XXXX which clearly states that the car was paid in full and I also, have the title to the car. Please refer to the attachment that has been attached. this attachment was from Gateway One Lending. 

Between Gateway One Lending and Santander, you need to take full responsibilty for fradulently reporting a claim that you are not entitle to. As Gateway One was paid in full in XX/XX/XXXX. Why would you be placing a claim in XX/XX/XXXX for XXXX. 

I do not owe you or Gateway One Lending anything as this was paid in XXXX. Please stop reporting fradulent claims.and send a letter stating that you have removed this claim for my chapter XXXX
Consumer complaint received 2020-12-14
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. (IL)

Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!!
Consumer complaint received 2023-01-12
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXXXXXX 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 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 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 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 2020-09-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-19
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. (CA)

On XX/XX/2020, I discovered that there was a fraudulent account on my personal credit report and I contacted the below credit bureaus to correct it with zero response. 
I submitted to each credit bureau my dispute letter signed and dated, my identity theft affidavit and I sent each package to each credit bureau, XXXX  and Trans Union via certified mail with tracking numbers which cost me approximately {$73.00} to do this. XXXX  Certified Tracking Number : XXXX, Trans Union Certified Tracking Number XXXX. On XX/XX/2020 I received confirmation that each bureau had received the certified letters and I know the FCRA allows 30 days from when it was received to process and/or delete the fraudulent items. 

I paid in addition to review my credit reports with my credit monitoring website {$29.00}. On XX/XX/2020, I received confirmation that each credit bureau received my dispute packages and I know my rights with in the Fair Credit Reporting Act section 611. Today is XX/XX/2020 and to date, I have not received ANY letters from the credit bureaus advising anything of their investigation to my dispute, nor has there been anything deleted from my credit reports. 

The credit bureaus have 30 days from the receipt of my dispute package ( XX/XX/2020 ) to investigate and/or delete disputed items. It is now 33 days since they received my dispute packages. I am filing a complaint due to my rights have been violated as a consumer and will be seeking legal council if this is not expedited immediately. I have paid a total of {$100.00} approximately for mailing dispute packages and paying for an ongoing credit monitoring service since discovering this fraudulent activity on my credit report. Please help me take care of this immediately as it is causing severe distress along with having to stay home during this pandemic.
Consumer complaint received 2020-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NY)

Theres a collection account in my XXXX credit report, recently uploaded around XX/XX/XXXX. Pertaining to RCS/ XXXX XXXX . In an attempt to collect {$2500.00}, that I had already paid in a contract with XXXX XXXX XXXX, the same contract was defaulted when XXXX XXXX sent back {$200.00} of payment to the company that brokered my payments with ( XXXX XXXX XXXX XXXX acc : # XXXX ). There was only {$100.00} left to pay to comply with the contract if they hadnt done that mistake. 
The collection account was previously reported in my XXXX credit report, after disputes and disputes of talking to this company and the other and credit reporting agencies and hiring credit repairing company to help me remove it with no results, I spent more than the amount owed in repairs. Finally I receive a letter from Resurgent, that the account had been closed in XX/XX/XXXX ; deleted from my XXXX credit report, but pasted and copied to my XXXX credit report to continue with their scam of stealing the fruit of my efforts. The report from RCS/XXXX XXXX on my XXXX   credit report is deceptive with claims that the account has been reported since XX/XX/XXXX when in fact they reinserted the info from my XXXX credit report around XX/XX/XXXX. I made payments in a settlement with XXXX XXXX of {$1500.00} on XX/XX/XXXX. PAYMENTS : XXXX {$700.00}, XXXX {$100.00}, XXXX {$100.00}, XXXX {$100.00}, XXXX {$100.00}, XXXX {$100.00}, XXXX {$200.00}, already {$1400.00} paid to the settlement.On XXXX, {$200.00} was reversed to my XXXX XXXX savings account. I called XXXX XXXX to ask them why they returned the payment, they said that the payment reflected but then that the payment bounced because of no suffIcient funds. But that was a lie, because I saw the payment report to my XXXX XXXX account in my XXXX report, and later I noticed that they were only allowed to withdraw {$100.00} that month like the rest of the payments till the end, but they took out {$200.00} that XXXX, and wanted to return the money, making a default on my settlement contract, which says in the Terms that there may not be any alterations to my monthly payments until its completion or the results will be nulling and voiding the settlement.
Consumer complaint received 2021-07-20
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/XXXX my unemployment account was compromised and my direct deposit got changed to a individual that I don't know. Who account number I received from the originator. XXXX. I called wells Fargo since it was one of there accounts. They were not trying to help even after I got a hold of the account numbers. My money is being deposited into another person account and is causing me finicial harm. The customer service was very rude and will protect the fraud person. Saying they are the only bank that lets people deposit checks thats not in that persons name.