davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (UT)

XX/XX/XXXX- Our mortgage loan was transferred from XXXXXXXX to Select Portfolio Servicing ( XXXX ). At XXXX, I had a simple interest loan with a fixed interest rate, and my loan was never modified at XXXX. My XXXX loan origination date was XX/XX/XXXX. During the early years of loan, I accrued unpaid interest called Deferred Interest which had to be paid in full with the unpaid principal balance in XXXX. In XXXX, I paid on the Deferred Interest bringing new balance to {$10000.00}. 

First Complaint. XXXX moved my Deferred Interest balance to Deferred Principal in an attempt to defraud me out of claiming the interest on my tax returns. I opened a dispute which they keep saying the need more time to fix or it is being reviewed. I can never speak directly to a Customer Advocacy person or the same person more than once. 

Second Complaint. After comparing my XX/XX/XXXX statement to my XX/XX/XXXX statement, I noticed XXXX reduced the Deferred Interest balance by {$9800.00} and added the amount to my Principal Balance so now I have to pay double interest on what used to be Deferred Interest. 

Third Complaint. My next due date was listed asXX/XX/XXXX. I made a full monthly payment on XXXX/XXXX/XXXX online at the XXXX website. After numerous calls, XXXX has yet to post my XXXX payment. I have tried to get them to apply theXX/XX/XXXX funds to my XXXX payment, but I keep getting all kinds of stories saying their Cashier is working on it and give it another 3-5 business days. 

Please help.
Consumer complaint received 2017-09-11
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. (TX)

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Consumer complaint received 2017-09-11
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Total Card, Inc. (OR)

I received a phone call from an unknown number, I let it go to voicemail because I was driving, it was a man name XXXX XXXX saying that they intended to deliver a package to my residence later today and that they were calling to confirm that I was going to be there. Then they stated that they were going to serve me with some paperwork, and if they could not reach me then they would present my paperwork to my employer. 
He told me that the " Firm '' that is handling my case is XXXX case # XXXX. 
The name of the company for this 800 number is XXXX, they would'nt provide me their location, I was informed that it was against their company policy to provide me their location and address. When I spoke to a gentlemen at XXXX, I asked who the dept belonged to, and he informed me that it was XXXX XXXX XXXX, and I explained to him that this company has made no attempts to collect this dept and he stated to me " you are correct '' they have not intention to collect this dept, instead they are going straight to suing me. He then became very patronizing and telling me that I did not know the law, and that I was XXXX XXXXXXXX XXXX XXXX, when I explained to him that I would like written proof of the dept and he denied it. I also explained to him that under XXXX the company had to provide me written proof. When I asked for his supervisor he informed me that " he was a supervisor '', then I asked for his manager " he then informed me that he was a manager '', then I proceeded to ask for his boss, the person over him and then he informed me that " there is no one higher than him, except XXXX ''. 
I told the gentleman that I bid him good tiding and good day and was ending the phone call.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

XX/XX/XXXX : I tried to refinance my car loan from XXXX XXXX to XXXX XXXX. XXXX XXXX never received the payoff check in the mail. I cancelled the loan with XXXX XXXX due to this issue. I contacted XXXX XXXX on XX/XX/XXXX to see if they could report a XXXX balance on my credit report and to get this account deleted. The representative instructed me to contact all 3 credit bureaus about this issue because it would get done quicker. Attached is a message from XXXX XXXX to dispute this as well as a statement showing I do n't carry a loan with XXXX XXXX nor a balance.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XX/XX/XXXX : I tried to refinance my car loan from XXXX XXXX to XXXX XXXX. First Investors never received the payoff check in the mail. I cancelled the loan with XXXX XXXX due to this issue. I contacted XXXX XXXX on XX/XX/XXXX to see if they could report a XXXX balance on my credit report and to get this account deleted. The representative instructed me to contact all 3 credit bureaus about this issue because it would get done quicker. Attached is a message from XXXX XXXX to dispute this as well as a statement showing I do n't carry a loan with XXXX XXXX nor a balance.
Consumer complaint received 2017-09-11
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. (NH)

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Consumer complaint received 2017-09-11
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. (OH)

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Equifax not only did not notify me in any way of this security breach, but the information was n't even released to the public for several months after the breach. I became aware of this incident through social media ; a letter or email was never sent, or a phone call. Once I became aware of the security breach, I was left to research and handle the issue myself.
Equifax is currently offering a limited credit monitoring service, which is unlikely to actually resolve any of the potential issues, as my information can still be used to open new accounts and I would be left with handling those potential issues. In addition, agreeing to their credit monitoring service comes with the stipulation that my rights in this situation would be completely waived, I would not be allowed to sue Equifax for this incident.
Furthermore, I had to spend my own money to freeze my credit in response to this recent breach of security, and Equifax has done nothing to remedy this situation.
Consumer complaint received 2017-09-11
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. (IN)

On XXXX XXXX Equifax released a statement reading that a data breach at the company may have affected XXXX XXXX Americans, jeopardizing consumer Social Security numbers, birth dates, addresses and some drivers license numbers. Equifax also produced a website offering to check whether you were affected or not, when looking into this problem and submitting my information twice I was presented with two different answers : 1 ) You may be affected and 2 ) no answer. As a result I filed an initial 90 day fraud alert on my file with the Equifax, XXXX, and XXXX. Now I have to take time out of my day to vanguard against potential illegal use of my personal identifiable information because of the lack of security and best practices of Equifax. I have also called my credit card lines filing an initial 90 day fraud alert as well.
Consumer complaint received 2017-09-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (LA)

I have had zero knowledge of this individual account. I filed a complaint. The company urges that the individual that opened the account is myself. I decided to check old notes from XXXX, a time in which I appointed someone to analyse my credit report and address all information therein and it appears that that individual spoke with the company and on recording, the collections representative threatened that without attempt for payment, nor providing of contact information that 'he ' would keep " clicking '' to run a credit report and repeatedly drop the score/rating. A supervisor was then requested in order to recount the experience with the representative and management at the time did nothing to rectify the situation. It was/is a blatant FDCPA violation to make such credit threats. Recently ( XXXX ), when I " personally '' discovered the account, Hunter Warfield 's account on my credit was disputed through Transunion ( via XXXX XXXX 's direct dispute procedure, ) as I shared with the credit bureaus as well that I did not open any such account despite what perceived evidences that company might produce. The item was removed after being found to be unfounded and shortly thereafter, said item was re-introduced to the credit bureaus, thus impacting my credit rating. I do not know why it was re-reported, nor do I understand why thus far this issue has been handled the way it has been handled.
Consumer complaint received 2017-09-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (OH)

I was granted guardianship of an incompetent individual on XX/XX/XXXX. In late XXXX, I was granted payee for the same person. I am trying to open a joint checking account, as instructed by SS, and PNC keeps giving me the runaround as to why I ca n't!! I have been to probate three times, SS once and I have all the documentation that is legally required to open and account and pay this man 's monthly bills.
Consumer complaint received 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Voluntary surrernder of a manufactured home in XX/XX/XXXX as part of the agreement between my wife, myself and the seller XXXX XXXX XXXX. There was a balance due and paid for the amount of {$1000.00} around XX/XX/XXXX or XX/XX/XXXX. This account was disputed with all three credit reporting agencies and resovled because it was keeping me from the purchase of my new home. Now it is showing again on my Equifax credit profile as a debt of {$1000.00}. This account should n't show on my credit profile at all and if show it should read current and the account should be noted as a voluntary surrender.
Consumer complaint received 2017-08-10
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: EQUIFAX, INC. (IL)

Whenever you file a claim it seems as if nothing gets resolved because instead of helping the consumers, it seems that the companies just give whatever kind of answer they want and the case is closed in which it should not be. I have filed several complaints against credit agencies and the answer does n't resolve anything or has nothing to do with the compalint and yet my complaint is closed without addressing the issues or violations that the credit bureaus have violated. I have disputed my information on my credit report either by mail or on the phone and have requested method of verification in writing as to how this information was verified and any documentation associated pertaining to the accounts in disputes. I have also tried to dispute inquiries on my credit report and have had no success in trying to get this information deleted as these inquires were not initiated by me or said companies did not have my permission to pull my credit.. I have disputed public records and I have asked how this information was verified and validated and was told that the courts send this information over to them. This information is not correct as the courts have said they do not give out any information on anyone and the information the credit bureaus are telling is incorrect. I have tried repeatedly to get this information resolved and yet the credit reporting agencies are not doing through investigations and in relation to disputes but rather using an electronic methods to receive and validate information rather than physical documents or a real investigation to limit the damage to one 's credit reports. The representatives from the credit agencies state that they receive public records by using your name and social security number and that 's how they verify the disputes in regards to public records. Anyone can access public records and that does n't mean the information is correct or there are n't errors in the information that is contained in the records. They are not doing their job in verifying and validating information contained in my credit report but rather damage it in regards to negative information that they refuse to investigate or remove. These credit reporting agencies have no way for you to dispute inquiries that you did not authorize or recognize but yet they report this as accurate information and it remains on there for two years.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

Called spoke with XXXX in the Equifax internal consumer affairs dept.. Ask this young lady can I have my file released for 48-72 hrs so the bank can considered my application for a car loan due to the fact that my vehicle has just broke down on me. Now I have had several problems with this dept in the past concerning fraud alerts and other items concerning my credit report. This company went as far as telling me that they were not going to release my file for me to have some credit protection company look at it. Then I was told to give them my information to what company it is I am wanting to view my record at the time and their contact information. Now she is telling me to fill out a form XXXX that I filled out in XXXX 2017 and was told that I only need to fill this out once a year. I asked why do I need to fill this out again and she stated because they needed it. Well I told her I already filled this form out and what is the need for me to do it again for them to tell me they dont have it or it will take 48 hrs for them to receive. I asked to speak to a supervisor and she refused saying she was the highest level when in fact I know that XXXX is the supervisor over that area because thats who I ended up speaking to previously about this form that I sent several times. She refused again and I told her that she was denying my file to be release for me to get another means of transportation. I asked several times more to get to a supervisor and she still refused. Please help because I have asked for fraud alerts and my file to be removed from this dept because they are causing me more headache than the person that originally took my identity before. They are hurting more than helping.
Consumer complaint received 2017-11-20
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NJ)

To whom it may concern, My name is XXXX XXXX and on XX/XX/XXXX, I agreed to a loan modification agreement. A payment was made on that same day, to finalize the deal. However Quicken loans decided to report to ALL three credit bureau that I was late with my mortgage payment for XX/XX/XXXX. This is not true because I have a bank statement that shows I made a payment on the XX/XX/XXXX and it was taken out of my bank account on XX/XX/XXXX. I have reached out to quicken loans and showed them my proof ; however, they do n't want to change it. So I am requesting that CFPB, to intervene and assist me in having Quicken loans remove that negative remark from my credit report so I can refinance my property. Unfortunately I can not refinance my property because under NEW federal banking law a mortgage holder can not refinance his or her property until a one year has passed from the date of the late payment has passed. My mortgage payment is due on the XXXX of every month. XX/XX/XXXX was XXXX XXXX XXXX 's birthday and the banks where closed, but XXXX XXXX XXXX was aware of that holiday and they said the payment will be taken out of my account with no problems and they would not penalize me because it was a holiday. Plus you can request the phone records of the phone call that day between quicken loans and me, to prove my statement is true. I will be looking forward to your help in this matter.
Consumer complaint received 2017-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

The company claims to be Bank of America. The address is XXXX XXXX XXXX, XXXX, FL XXXX. I have a feeling they are a 'service company ' applying hidden fees!! I have asked 5 times in 14 months for an accounting of the money I pay each month. The errors in math are explained as 'special calculations ' for my type of loan? I allowed my personal bank XXXX XXXX XXXX to view the information and not even their Mortgage Bankers could figure out where or why my balance n pay off are not calculationg properly.
Consumer complaint received 2017-08-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NH)

Flagstar Bank has raised my mortgage amount the last two years by excessive amounts. I was just informed that they are raising my mortgage amount by {$2400.00} annually. They indicated that this is because my taxes and insurance increased by {$800.00} annually. They have Done this at least one year prior.
Consumer complaint received 2017-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

I had a mortgage with XXXX for my property for over 12 years ... ... XXXX sold the mortgage to Bayview Loan Servicing. I keep seeing a reoccurring charge for the amount of {$7400.00} ... .labeled as Corporate Advance. I have tried numerous times with verbal communication with Bayview to explain this charge ... ..I have sent them 2 written requests for information regarding this charge. I have requested in writing for time sheets, explanation of charges, the name of the law firm along with the attorney who handled the case. I have gotten nothing and nowhere when I have requested info on this charge ... ..and have been ignored.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

On XXXX at around XXXX PST, I tried to request my annual free credit report for Experian, I got this error message, '' XXXX XXXX XXXXXXXX We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXXt XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX ''
Consumer complaint received 2024-07-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NJ)

Vemno froze my account I been reaching out to them mutiple times and they are refusing to give me my funds I will like a solution to this asap please I will like my funds to be released asap