davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Select Portfolio Services bought my mortgage from XXXX in XX/XX/XXXX. 
XXXX told them I was behind 3 months in payments which I was not. Those months were XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX 
SPS paid XXXX for those 3 months when they acquired my loan. 
I have a bank statement showing each of those months paid to XXXX from my account. 
Question why are they buying a delinquent- perhaps an easy foreclosure???? 
They did not realize I was on chapter XXXX ergo they could n't foreclose or even ask me for the money they thought I owed. 
After Ch XXXX I received lots of stuff in the mail about money I still owed and my lawyer said do not pay anybody so I did n't. 
XX/XX/XXXX the first I receive a letter from SPS saying I owed them XXXX plus. I sent them a certified letter with copies of payments to XXXX for those months. 
XX/XX/XXXX I get a letter saying I owe them XXXX. My letter was received by them on XX/XX/XXXX and signed for by XXXX at XXXX. 
Select Portfolio Services-XXXX I only get a flunky when I call so there is no contacting someone in charge. 
The XX/XX/XXXX letter ask for XXXX by XX/XX/XXXX I called and asked the flunky if there was anything on the screen about the certified letter and copies I had sfnt and she said no. 
I 'm really stuck and really scared of these people.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

As a loyal customer, I have always strived to maintain a good standing with my mortgage provider. Prior to XXXX bank acquiring my loan I have never been late paying my mortgages. However, I recently discovered that a late payment was reported on my credit report. After reviewing my account, I believe this was an oversight caused by the lack of an online autopay option in your payment system, which I have always relied upon with other service providers to ensure timely payments. 
XXXX process for setting up autopayment was archaic and overly cumbersome to setup. It required me to ( 1 ) call customer service ( 2 ) customer service needed to email me a password protected form WITHOUT the password ( 3 ) a separate customer service representative would call at a later time to verbally give me the password. ( 4 ) The password verbally communicated was valid for a short period of time. ( 5 ) If the password wasnt used within the allowed time frame, the process needed to be repeated all over again. ( 6 ) once the form was unlocked, it needed to be printed ( 7 ) completed and signed by hand ( 8 ) them mailed back to XXXX Bank. This made it extremely difficult for me to set up autopay, which I heavily rely on to maintain timely payments of all my bills. 
XXXX Banks online payment system allowed me to store my payment account to make one-time payments and schedule a payment but had NO autopay option. My previous and other mortgage provider ( XXXX XXXX ) has an online autopay setup option.
Consumer complaint received 2016-07-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Statebridge Company (MS)

I was under bankruptcy because my mortgage was XXXX $ so I was contacted by XXXX XXXX XXXX XXXX and they work with preferred law, this was in XXXX 2015 so we started a packet they asked me to fill out documents send them back and they said my file will go to my lender and a negotiator and that it will take 10-15 days we 'll they been asking for the same info for six months they collected over XXXX, they claimed my insurance was escrowed Ave it never was, the switched all my contact info to them so I could n't contact my lender not could they contact me, they had me stop my bankruptcy, and also told me not to send any money to my mortgage, I 've asked over and over for proof and results since it 's been over 6 months or to give me a refund they did n't try to resolve it nor when I kept asking for proof and asking questions they ignored it they said they closed my case and I probly ca n't get a refund because of all the so called work they did, ask they have done was have my old mortgage servicing company send them my mortgage note, I at my own expense sent all required documents called my lawyer and did most of the fit work, I did alot if work on my end they ca n't show me proof of anything but asked for more money they said the {$3900.00} was for ask the work they done and that the extra money is for continuing my case well that 's what the letter I got says they have a retainer agreement that says that amount of extra money is for something else and i was verbally told the money is for them and then getting needed info I 've caught them in so many lies and nothing ads up all I isa refund so my child can have XXXX there 's so many discrepancies i ca n't think of them all to note but I can say this they have complaints with the XXXX even on there own XXXX page under preferred law they have complaints I 'm trying to do ask that 's possible get my money back and try to get a real modification, I have a new mortgage servicer which I never knew about I accidently going found out about then when I got insurance I 've tried contacting them with no luck because preferred law had it so I ca n't. I was trying to get a modification through XXXX XXXX and they denied me, note I 'm going to try state bridge but they will not return my calls it looks as if I 'm going to lose my home and I do n't even know if I 'm in foreclosure because I have no contact with them they 're not rerunning my calls
Consumer complaint received 2017-09-08
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)

Hi there! I am filing this complaint in regards to the recent Equifax Hack. I visited Equifax 's site ( https : //www.equifaxsecurity2017.comXXXX ) and checked my Last Name/Last 6 Digits of SSN and it says " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' As a result I am filing this complaint. I believe my info was mishandled in being included in this hack. 

Thank you! 

Kind regards, XXXX
Consumer complaint received 2016-07-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AR)

Wells Fargo Mortgage sold my home at a foreclosure sale after denying my attempt to reinstate the loan with the exact same information that was used 30 days previously. The ongoing attempt to modify the loan was denied because a utility account listed the address of service but the bill was mailed to a P.O. Box. the P. O. Box in question is the same address listed on my account information with Wells Fargo. It has been my primary address throughout the term of the loan. I have moved from the house. It was vandalized and destroyed by fire. The house was basically a total loss. I will receive no compensation. I have received information about a Class Action suite involving Wells Fargo. This is but one of the many cases that Wells Fargo has been involved in over the years which is verification of their unethical practices.
Consumer complaint received 2017-03-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

Hello - I opened a new Citi bank account. The account has a promotional offer attached. I believe I satisfied the terms of the promotional offer, but Citi does not wish to honor the promotional offer. 

In direct correspondence to me from Citi XX/XX/2016 Citi says : XXXX " The terms and conditions of Promotion XXXX are as follows : 1. Open a new Regular Checking account in the Citigold or the Citibank account package by XX/XX/2016. 
2. Within 30 days after account opening, make a minimum deposit of {$15000.00} or more into your new Checking or new or existing Savings Plus account. 
3. A minimum balance of {$15000.00} is required to be maintained in the Checking account or existing Citibank Savings Plus Account for 30 days from the date of deposit is made. '' I have satisfied these terms and conditions but Citi will not honor the promotional offer as they claim that I am a current signatory on a joint Citi banking account with my wife, and that this negates my eligibility for the promotional offer. 

I believe that Citi mislead me in correspondence Citi XX/XX/2016 Citi says : XXXX as they state clearly the terms and conditions to be approved for the offer and I meet these terms. 

I shall attach this correspondence from Citi with this complaint. 

Thank you, XXXX
Consumer complaint received 2016-12-29
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

We received an offer from Bank of America to refinance my existing loan with BAC. I called them to apply for a 15 year refinance, to replace our current 30 year mortgage with them, with 24 years remaining. We submitted all the documents required, XXXX, tax returns, social security benefits. My credit score is XXXX ; our credit usage is only 2 %. My income is in the mid $ XXXX. I have no debt other than my mortgage. I was never late on any payments. I paid {$450.00} for an appraisal. 
Bank of America rejected my refinance application stating " Debt to income ratio : Excessive obligations in relation to income ''. This is totally untrue, since I have a XXXX score from XXXX of XXXX, and a credit usage of 2 %. 
Absolutely no one from Bank of America responds to my phone calls or emails. 
Please help me in resolving this issue.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

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

XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

Back in Septemeber of 2024 I saw a fraud account and inquirires on file I requested the removal of it as they are fraud but did not recive notification letter not even a call nothing just a complete shut off and my case was never answered I call and some XXXX person XXXX my documents were invalid I had it please help me
Consumer complaint received 2016-11-29
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (MO)

I received an email from American Express Serve stating that I had a negative account balance. After reviewing purchases I noticed that serveral charges had been charged twice to my account. I called AMEX serve to try and resolve the issue only to find that XXXX could not get through to customer service due to technical difficulties. This went on Friday, Saturday, and Sunday. Sunday the issue was resolved without any notification or explanation as to what happened. Then on Monday the issue resurfaced once again and after holding for two hours I was able to get through to an agent whom blamed the store for charging my card twice although they only swiped once. After a dispute was opened I was then transferred back to the customer service department in which I would attempt to address the issue of both current and previous duplicate charges and what they could do to take care of the late fees I incurred by not having access to my funds. I was told they could do nothing and then was hung up on because I recorded the phone call. This issue first occurred from Wednesday and lasted until Sunday.
Consumer complaint received 2016-10-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (OH)

I previously filed a complaint because the debt collector was attempting to collect a debt for an item that was disputed and resolved in my favor with my credit card company. The dispute was for services not rendered from XXXX in accordance with the service agreement. The debt collector responded to the complaint on XXXX/XXXX/2016 and stated that the account was closed in their system and that they intended to have no further communication with me regarding the matter. This has not been the case. I received a letter dated XXXX/XXXX/16 attempting to collect a debt referenced in the previous complaint. The letter also stated that they may recommend that the debt be transferred to a team of telephone collectors if not paid.
Consumer complaint received 2017-08-07
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. (FL)

1. Unauthorized inquiries on my credit report on XXXX, TransUnion, and XXXX. I can only provide images of XXXX, and TransUnion inquiries. 2. Remove any address on file other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. Remove any other social security numbers that is associated with my credit file other than XXXX XXXX. Remove XXXX XXXX XXXX XXXX off of my credit report for jobs. Remove any salaries and please update all correct information. 5. Remove any other names other than XXXX XXXX. Please update 6. Correct all of the errors
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have reviewed my credit report and it reflects correctly my good credit history. Yet my score has continuously dropped from around XXXX in XXXX 2016 when we finished a streamline VA loan refi, to today 's score of XXXX. Nothing has occurred in my credit since XXXX that would warrent such change such as having late payment, missed payments charge off or court actions, etc. However, my credit score keeps dropping Asverse my lines of credit get reduced for having lower and lower scores. A catch 22, my score was dropped then my line of credit is reduced which drops my credit line. 
I would gladly pay off my credit as it 's not that much. Except for a little issue that started in XXXX of 2016 : My veterans educational benefits have been recalculate as a result of this the VA has determined they over paid my school. So, VA has withheld my pay in XXXX, XXXX and again in XXXX, over {$8500.00} ( my school was only paid {$6500.00} ). I 'm just very confused by all of this. And still, I 've keep up on my payments. But this sliding score is causing a mess as we are trying to buy a home! I expect to see a score of XXXX any day now as time progresses.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One is who I have the complaint with. I have reported them to you in the past also. 
I have XXXX credit cards with them, they refuse to help on these major issues : ( I just lost my job XX/XX/XXXX, keep this in mind. ) Lower the interest rate, even though I have had their cards for a minimum of 5 years. 
This is really not fair at all, considering I am never late, and I lost my job, I can not believe that they flat out refuse to help in any way, shape or form. They told me " some card holders have that offer, to lower the interest rate and monthly payment '' Some????? 
All of their customers should have that available to them! That is ABSOLUTE DISCRIMINATION TO THEIR CUSTOMERS. I can not believe that they are legally allowed to help some customers that lost their jobs and not others! This is absolutely ridiculous and should not be allowed to continue. And it should not be considered an offer it should be flat out across the board for ALL OF THEIR CUSTOMERS. 
Their " young kids '' that they hire are NOT trained at all. I was told XXXX different stories of a department that may be able to help people that lost their job. Someone told me they were in that department over this past weekend of XX/XX/XXXX. Then when I called back, a rep told me that no one in that dept works on the weekends! So, I was evidently flat out lied to and deceived that she actually worked in that department.. 
I was told on XX/XX/XXXX from a rep that she would give me a courtesy credit of {$35.00} because of my dire circumstances. I called the next day, there is no record of this on my account, and since they helped me in the past, they absolutely would not help again. 
I want that conversation listened to because they absolutely deceived me! Cap One should be fined for all of this deception to their customers! I have some very high interest credit cards that have a hardship program, of lowering the interest rate and the monthly payments and suspending use of the card for 6 months. That is a very reasonable way to help a customer in my situation. And Cap One, a XXXX dollar corp has nothing like that to help us. And they outsource their workers to other countries, I hope they get taxed like crazy from that. I NEED A JOB, AND THEY CONTINUE TO OUTSOURCE! 
I WANT THE SAME '' OFFER '' THAT THEY GIVE OTHER EARLY ASSISTANCE CUSTOMERS AND i WANT IT ASAP, ON ALL XXXX OF MY CARDS.
Consumer complaint received 2016-10-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (MI)

I informed the agency contacting me regarding said debt that the debt balance was incorrect! I advised them of such in less than 2 weeks they turned around and simply send me a form letter saying the debt is valid without confirming or checking with the creditor at all! I informed them in writing on knowing that they were simply sending me a form letter without checking out my dispute! They then sent me another letter acknowledging my dilute! Five days later they send me the same form letter again saying this was a valid debt! Again violating the FDCPA. This company in question is Credence Resource Management, LLC XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Bread Financial Holdings, Inc. (NV)

On XX/XX/2017 I was approved for a XXXX Visa credit card, issued by Comenity Capital Bank. I immediately used the card to make a purchase of {$250.00}. 

On XX/XX/2017 I received an alert on my credit monitoring stating that my XXXX Visa card had been closed by the credit grantor. I received no notification of this closure from Comenity Capital Bank, and still do no know the reason why. When I contacted Comenity Capital Bank via telephone, they would not give me any information, stating that I would be receiving a letter in the mail. 

It is a poor lending practice to open accounts for consumers, allow them to use the account, and close it 10 days later. 

Now my credit score has fallen because the account is reporting a {$250.00} balance against a {$0.00} limit, giving me 100 % utilization reported on this account.
Consumer complaint received 2016-10-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I used a credit repairing agency called XXXX XXXX to clean up some items on my credit report that were dragging my credit score down after my bankruptcy. They dispute an item with a vendor called XXXX XXXX cause there was a late payment on my file which was valid but they disputed it anyway and the credit reporting agency Transunion removed the account from my credit report. I have been going back and forth with Transunion and XXXX XXXX to get this back on my credit report. Transunion keeps stating that XXXX XXXX needs to contact them to have this added back on to my account. I spoke with XXXX XXXX on XXXX/XXXX/2016 spoke with XXXX who stated that they show my account is reporting to Transunion and XXXX. We contact XXXX and they show this account reporting. Previously on XXXX/XXXX/2016 I pulled my Transunion credit report and did not show this account reporting. When me and XXXX XXXX attempted to contact Transunion via XXXX way to resolve this matter they stated they could only talk to me and so when I talked to them they once again stated they do not show the XXXX XXXX account reporting and that XXXX XXXX would need to contact Transunion marketing department to have them resolve this matter. This morning I contacted XXXX XXXX to tell them what I was told and spoke with a Supervisor in the Escalations Department who told me the investigation is closed and that there is nothing more they can do. I 'm trying to purchase a home and need this account to be reporting for credit sake. Also Transunion refuses to work with me on this matter and also another matter inregards to my car loan. I have a car loan with XXXX the issue was since I filed bankruptcy it was reporting closed and part of bankruptcy. I disputed this item and Transunion removed it from my credit report. XXXX has contacted them and we have both sent papers in writing stating that I reaffirmed the vehicle and that the account should reflect active open with no late payments and reaffirmed. Please help I have been dealing with this matter for almost a year and a half and have no where else to turn. thanks