davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

I have been attempting to get my home sold on a short sale for 21 months. I keep submitting complains and they respond but it is not resulting in an approval letter for any of the short sale offers being Approved. The latest issue is the bank did a BPO about 2 months ago and it came back at XXXX and we had a short sale offer for XXXX and the bank rejected the offer saying they want a counter offer. How can you reject an offer on market value and you are the one that determined the market value? This is outrageous! The other issue is that it take almost 3 or 4 weeks to get an approval or rejection letter. We have already lost one buyer because the approval process takes so long. We just submitted it again today ( X/XX/2017 ) telling them that the buyer is not going to pay over market value for this property.
Consumer complaint received 2017-06-15
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. (IN)

I mailed a letter to  XXXX  on  XXXX   XXXX ,    2017  about an unauthorized inquiry on my TransUnion credit report from their company. I asked them to remove the inquiry, and to forward any documents that showed I agreed to apply for a student loan. They sent a letter back dated  XXXX   XXXX ,  2017 , saying I submitted the loan application, but the failed to send me any documents that I did.
Consumer complaint received 2018-01-15
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Reliant Capital Solutions, LLC (VA)

On XXXX XXXX, 2018, I received a call and a voicemail from someone identifying themselves as an " authorized representative of the Ohio Attorney General. '' He represented that he was " with Reliant Capital Solutions ''. Obviously a state Attorney General would not authorize a debt collection company to contact people on its behalf. This tactic is deceptive and undermines the both the role of the Attorney General as upholding the law, as well as undermining the rule of law in general.
Consumer complaint received 2017-06-16
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. (TX)

I have contacted Trans union credit union several times, regarding an account that is being reported on behalf of a company in error. I have supplied Trans union with documentation from the company, by the name of   XXXX   XXXX   XXXX  . I submitted to Trans Union a letter that stated they are not able to provide proof of debt because they have no records of me on file. Trans union has failed to delete that creditor off of my report after receiving notification from the alleged company. I have written to Trans Union as well as submitted to them all correspondence letters between my self as well as   XXXX   XXXX  . I am requesting for the claimed debt to be deleted off of my credit file in the amount {$11000.00} reference to  XXXX  account. This has been an on going investigation since  XXXX .2017 and the creditor has not been able to validate the claimed debt. Therefore, four months later this debt should be considered invalid and deleted.
Consumer complaint received 2017-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST MIDWEST BANCORP, INC. (IL)

I have an account setup with a company called activehours who provides cash advances. I successfully registered in  XXXX  and have received funds weekly in which they automatically debit acct on paydays. In order for this to work my bank must report my work deposits to the company. Since  XXXX   XXXX  they have not done so, but this process was successful up until now. I have called first midwest bank over and over and no one has helped.
Consumer complaint received 2017-06-15
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (NJ)

We bought a car from  XXXX   XXXX , it was an  executive  driven car with low mileage on the car. After multiple trips back to the dealership to rectify the transmission problems, they continued to say the car did not have any issues and it was fixed. We finally bought a new car from  XXXX  and they bought us out of the  XXXX . We went back to  XXXX   XXXX  to get the money back from the Gap insurance that we purchased. We filled out the paperwork and were to ld 2 weeks to process and 4 week s to get the money back in the mail. This was back in  XXXX  where we went in person to cancel. We have since called back multiple times as well as visiting the location in which they have assured us it would be completed and we would get phones call back.
Consumer complaint received 2017-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (FL)

I Received a collection letter from this collection agency dated  XXXX / XXXX /  XXXX  . I replied to them in writing on  XXXX / XXXX /  XXXX  . I told them on my letter that the account was not mine and I asked to provide me with a copy of the signed credit application. As of this date, they have not sent me any documents related to that debt.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

The account was deleted and has been put back onto my account. As a result, I requested in XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX for Experian to furnish me a copy of the documents they have in their files to validate the disputed account for {$120.00} Date opened onXX/XX/XXXX. The account was a result of identity theft. I requested from the company a copy of the actual payment voucher ( From their banking institution ) and they could not furnish any such document ( s ). I requested once again for Experian to provide me with proof of payment as it states on my credit report and the CB has failed to furnish to date. I have sent 4 letters requesting to permanent delete the and the Experian has not responded to date with correspondence. 

NOTE* I have and still am a customer with the disputed account with no breaks in service for over 9 ( nines ) years.
Consumer complaint received 2017-06-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC (WI)

I made all  XXXX  payments - some were late, some on time. The contract did n't state anything about an amount for late fees. I am now being told that I have two additional payments left to pay. I feel that I have made the contracted payments and their website shows only a maximum of 5 % for a late fee, yet nothing is stated in my contract. The maturity date on my contract is  XXXX / XXXX /  XXXX   - and now as of  XXXX / XXXX /  XXXX   they are telling me I owe more. I have attached my contract along with a payment statement from their website and their disclosure from their website.
Consumer complaint received 2017-04-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc. (TX)

XXXX , {$2700.00 } High Balance, The following agency is not bonded in Tx and can not legally collect debt. Please remove from my  credit report and confirm that the debt is not owed.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

In   XXXX   I started receiving letters from the  XXXX  saying I owed them taxes for employees I had. I am a   XXXX   XXXX    XXXX  and have no employees. My old roommate was employed by  XXXX  and spoke to me about using their services if I expanded. She then used my name and a fake social security number to create a fake payroll account in order to meet a goal for a company funded vacation to  XXXX . I started having money taken from my bank account without any authorization and when I told her she assured me it was a mistake and would be fixed. I had to contact my bank in order to stop them from taking these funds. I thought it was resolved until I started to receive letters like the one I have attached showing I owed them {$4000.00}. They said they would withhold my next tax return if it was not paid, but then a few weeks later on  XX/XX/2015    they took {$1400.00} from my bank account. At this point I contacted them and  XXXX  and explained the situation I explained to you.  XXXX  was no help, besides firing this employee that committed fraud, and the  XXXX  eventually released the lien on  XX/XX/2015   . I have attached that proof as well. However, they would not provide any assistance to remove the lien from my credit history. It shows the lean was released, but it still shows up on my credit report, hindering me from being accept for any business or personal loans or credit. I disputed this Public record with all  XXXX  creditors and it is still on my credit reports.
Consumer complaint received 2017-06-16
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC (FL)

Our bankruptcy  was discharged  in   XXXX     which included a mortgage on a home. Original holder was  XXXX , which was bi=ought by    XXXX   XXXX   XXXX     XXXX   then s pun off to various other entities. We are dealing with Ditech Financial LLC. We have advised them numerous times over the past 7 years that the property was foreclosed upon by the property management firm,  XXXX  of  XXXX   XXXX , Florida. The house was sold by them.  <P/> We constantly receive mailings and phone calls from persons who do not give their names a t Ditech. We explain what ha ppened, are promised that the file will be closed, but they STILL send notices and call us. They say they are not attempting to collect, however, they are looking for a payment in excess of {$150000.00}!  <P/> We do not want to take the step of retaining an attorney and suing for harassment, etc., but what other recourse do they leave us?  <P/>  The Ditech ac count number referenced is  XXXX
Consumer complaint received 2017-04-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY (CA)

I had received an offer for a personal loan  from Wells Fargo,  which is the bank where I have an open active account since   XXXX  . I went to apply for a personal loan of {$10.00}, they told me at the bank during the application process that I ha d a credit score  of  XXXX  and that the system was reporting a 9 % of interest for my loan but the decision was still pending so I need to wait a few days.. after 4 days they call me back to ask for my legal status, which is   XXXX   XXXX  . That same day I received a phone call from my personal banker informing that  Wells Fargo was rejecting my application due to my legal status. I would like to file a complain for disc rimination because I have all the conditions to have that loan but just due to I 'm not a permanent resident in the USA i was n't given the opportunity of that personal credit. And on top of that now they hurt my  credit score for  nothing!!!!
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I received several fraudulent e-commerce charges on my Kohl 's card and promptly called the company to report all of them as fraud and have them removed from my account. I spoke to  XXXX  on  X/XX/17   . The charges were as follows : ECOMMERCE PURCHASES #  XXXX  {$18.00} ; #  XXXX  {$5.00} AND {$110.00} AND #  XXXX  {$5.00} AND {$99.00} PLUS ALL OF THE INTEREST ON THESE FRAUDULENT CHARGES.   I then received a generic letter dated  X/XX/17    that my dispute was received and it was being investigated. In the meantime, I was expected to continue paying on these fraudulent charges. I then received a letter dated  X/X/17    that part of the monies were removed, {$26.00} and have been waiting since then for the remaining credits. And, still being billed and paying for these fraudulent charges.   On  X/XX/17    I sent an email to Kohl 's via their website advising that I was still waiting on the additional charges to be removed and would file a complaint if they were not received. I received a generic email back stating I needed to call, again, to get " more information ''. I just spent over 10 minutes out of my work day to try to reach them yet again to tell them the same thing and could not wait on hold any longer.
Consumer complaint received 2017-04-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

Hello- my wife and I recently discovered we were the subject of the same aggressive sales tactics utilized b y Wells Fargo that has b een widely covered in the press. We did have  XXXX  legitimate credit card with  Wells Fargo a nd believe they used our information from that card to open other accounts without our approval.      In 2013, without our approval, Wells Fargo opened and closed a credit card within 8 days, opened a savings account, checking account, and a Health Savings Account. We were sent bogus consumer applications of opening both the savings and checking account, with the signature areas blacked out. We were sent a debit card for the HSA. Our credit report includes the 8 day credit card.      We cal led Wells Fargo to  track down these accounts and they claim there is no record of any. For the HSA, they assured us it was transferred to  XXXX   XXXX , though  XXXX  has no record. We have the documentation, name of institution, banker, etc.     We can not reasonably estimate the fees we incurred as a result of these accounts, and given that Wells Fargo claims there is no history of these accounts, we are reaching out to you in hopes of assistance. Thanks you.
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

On  XX/XX/XXXX  I signed up for the Citi  XXXX   XXXX  credit card with with a promotion that stated : " Earn  XXXX  weekend night certificates each good f or 1 weekend night ( standard r oom, double occupancy ) at select hotels and resorts within the  XXXX   XXXX  after you make {$2500.00} in purchases within the first 4 months of account opening ''.     By  XX/XX/XXXX  I met this minimum spending and on  XX/XX/XXXX  I made a payment on the account for {$3000.00} completing my portion of the sign up agreement. I waited for the  XXXX  free night certificates to arrive in the mail and when they did not arrive by  XXXX   XXXX  I contacted  XXXX  customer service. On  XXXX  I contacted  Citi c ustomer service via Chat and they referred me to telephone support. I called Citi customer service on  XXXX  and the representative was unfamiliar with the offer. The representative stated they would need to escalate my inquiry and that I should expect to hear back within one week which would be  XXXX .     By  XXXX  I had n't heard anything from Citi so I contacted Citi customer service via  Secure Messaging.   I received a message back from Citi on  XXXX  simply stating " We have reviewed your account records and have identified another account  ( s ) th at have been established and or closed in your name within the last 24 months that had special promotional bonus of fer ( s ). '' I 've never in my life had the Citi   XXXX   XXXX  product therefore I am eligible for the sign up bonus.
Consumer complaint received 2017-04-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (GA)

We currently have an auto loan with  Ally Financial, Ac ct number  XXXX . Vehicle  XXXX   XXXX   XXXX  purchased in  XXXX . This journey started for us when we were in the process of purchasing a home and our credit report reflected o ver 16 past  due payments being reported b y Ally  Financial. Now, how is it possible that we would have  16 pa yments, 30 days past due and still have our vehicle. Immediately, I got on the phone wit h Ally Financial to  explain what we found on the credit report. The representative then informed me that it our payment was current, but we had {$700.00} in late charges. At this point none of this made any sense, so I then filled a credit dispute. The documents I provided was the entire account payment summary, the account transaction summary which shows the date and time we logged into the system to make a payment. I also sent  Ally Financial a ce ase and desist notification via account messaging, due to unsolicited phone calls with inaccurate account information. The response to that letter was to call customer service. At this point my only request was for account verification because we did not owe {$700.00} in late fees, and a billing summary showing when we were considered late. On  XX/XX/XXXX   Ally Financial  mailed us a payment history summary reflecting late charges in the amount of {$250.00}, AND reported our account as a charge off. We submitted a dispute about Ally falsely reporting a charge off, when the account is actively being paid and that was removed. Keep in mind, as of today  XX/XX/XXXX  our credit report still reflects that we were late 16 times and owe {$700.00} in late fees. In  XXXX  we were charged late fees when we were on a 60 day, followed by a 30 day extension. In  XXXX  we have  XXXX  late fees although we were on a 30 day extension for  XXXX  and the other was paid on time. In  XXXX  from  XXXX  until  XXXX  ally financial report that we were  XXXX  consecutive days late. Again, how is that even possible when we still have our vehicle and the transaction summary shows that we made our payments. The same applied for  XXXX  where we were reported late 6 times with  XXXX  consecutive 30 day past due. According to the total paid amount we paid off close to the balance of this loan back in  XXXX  of  XXXX  {$38000.00}, why are we still showing as having payments in  XXXX ? We have tried outreaching, we have mailed letters and still there has been no resolve.
Consumer complaint received 2018-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I have tried numerous times to get these fraudulent inquiries off my credit report, to no avail. and people are study pulling my credit report. Just last Thursday XX/XX/XXXX. Please help me resolve this issue. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX ALL FRAUDULENT!!!!!!
Consumer complaint received 2017-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (AZ)

We requested an appraisal to be completed in order to rem ove the Private Mortgage Insurance on our loan. The appraisal was ordered and when the appraiser came to do the appraiser he made comments such as " expect my appraisal to be significantly lower than what you expect '' among other inappropriate comments. Once the appraisal was received the amount was significantly lower than expected. Upon review of the appraisal it was realized the   appraiser made significant errors during the appraisal. This included inputting the incorrect number of bedrooms and the incorrect square footage of the house. These errors had a direct impact of our house not appraising for the appropriate amount. I contacted US Bank to dispute the appraisal. I followed their protocol for the dispute and they had me send in documentation to show why the value was incorrect. I sent in nearly 30 pages of documents including proof the bedrooms and square footage were incorrect as well as other comparable homes in the area that were more appropriate to use for comparison value. US Bank then rejected my dispute and simply reiterated that the appraisal was correct and the value stands. They said that I sent in too much documentation for them to review. I then called them and showed them in the appraisal where the appraiser had incorrect data. They agreed the information was wrong in the appraisal, however they said that once one dispute was done there was n't anything else they could do and the value stands even though there were errors in the appraisal. I attempted to escalate this and was told the only thing they could do was send this to the " independent third party '' company who handles their appraisal process and see if they would override the value. I did research into this company and they are wholly owned by US Bank. I was told I would receive communication about this process and never did. When I reach out now I am told the case is closed due to only one dispute being allowed.
Consumer complaint received 2017-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (GA)

On  XXXX   XXXX     2017 I r eceived a transfer of {$100.00} that was deposited into my  Google Wallet bal ance. Since that date I have been unable to withdraw or transfer that money on th e Google Wallet App a nd Website due to the account being a " business account. '' I have talked to their support twice and they give me the runaround each time promising to escalate to a " specialist '', whatever that is, in a followup email.      Of the two conversations I received one followup stating : " Im looking into the issue you reported and checking with our product experts. I 'll update you in 24-48 hours. '' There were no further updates. It seems that Googles policy is to indefinitely hold onto my money.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

On XXXX XXXX, 2017 I sent a letter via certified mail with return receipt to Transunion and XXXX Consumer dispute center in regards to removing unauthorized inquiries from my credit report as are my rights under FCRA. On XXXX XXXX, 2017 I received notification via USPS that the letter had been received by Transunion and XXXX. I have yet to hear anything from TransUnion or XXXX regarding this matter. I have not received notification that my dispute has been received. I called Transunion and XXXX Customer Service disputes dept on X/XX/2017, I was told by a representative that they have not received my letter in regards to my dispute although I have proof that they sign for the certified letter. This is unacceptable and unlawful. My rights have been violated, I am entitled to a response from my inquiry per FCRA regulations.