davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NY)

It is absolutely frustrating and painful that after two and a half years of constant request of a work out plan, I get no resolution to benefit my family.

Just to familiarize you with my hardship : I am a single parent with XXXX children. It all began when in XXXX I requested a work out plan from Shell point.

I had lost my business after losing two major contracts and due to a fall disable for several months. This has been a horrific experience.

I immediately reach out to Shell Point servicing and explained my situation. It was then that I was told to prepare loan modification package and explain my hardship. I have provided over six packages to Shell point services and XXXX and XXXX attorneys for Shell point. I attended all settlement conferences in court. On XX/XX/XXXX at my conference appearance Shell point requested I provide a P & L. On XX/XX/XXXX I was advice of another conference scheduled for XX/XX/XXXX. 
All documents then were submitted. 
On XX/XX/XXXX I called XXXX XXXX XXXX 's office and confirmed documents were received.. 
It was on XX/XX/XXXX that I found out that Mr. XXXX XXXX was my point of contact .. Mr .XXXX was contacted again on XX/XX/XXXX requested the same documents. This went on and on. I have evidence that and feel that I was given the run around. I FEEL THEY NEVER ACTED IN GOOD FAITH. I HAVE NOW OBTAIN AN ATTORNEY IMMEDIATELY AFTER FOUND OUT MY HOME WS SOLD TO TH E BANK .I WAS IN THE MIDDLE OF A LOAN MODIFICATION PROVIDING UP DATED PAPER WORK, I AM PLEADING THAT THEY ALLOW ME TO KEEP MY HOME. I WANT MY HOME BACK PLEASE. I AM CONFIDENT that I am able to afford my home now. 
My monthly average income is {$50000.00} a month.
Consumer complaint received 2017-06-19
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UMPQUA HOLDINGS CORPORATION (GA)

Financial Pacific Leasing  2 c ontract agreements I filed a concern about this company last year with NO resolution. This deal was negotiated through a broker who told me that I could pay off these  two  {$5000.00} leasing loans at any time, without penalty. When I attempted to do so, the finance company gave me the pay off at 50 % interest. This is NOT what I agreed to. I have maintained my payments in good faith, but I am having difficulty maintaining payments at this time. This bank should not be allowed to pretend that the broker 's misrepresentation of the payments are not their problem. This is a convenient way to extort money out of unsuspecting business owners. I have already filed a legal complaint against this broker,  XXXX   XXXX , because what he did was disgusting. What I want is a reasonable payoff and never have to deal with this company ever again.
Consumer complaint received 2017-06-19
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: CarMax, Inc. (GA)

On X/X/2017, XXXX XXXX XXXX filed a credit inquiry without my authorization. I have n't had any need of purchasing a car and this is a fraudulent inquiry that I would like taken off of my XXXX credit reports. I 've already reached out to them directly but to no success.
Consumer complaint received 2018-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (OR)

I logged on to citibank to make my XX/XX/XXXX payment. When making my payment I noticed that my min payment was higher than my XXXX min payment. This didn't make sense to me as my principal balance should be going down and my min payment should be less than. 

I logged into my statement and was shocked to learn that my interest rate is at 7 % - When I applied for the promotion offer it was at 1.99 % and this rate was do to expire in XXXX. 

Please explain in writing and in writing only why my rate is higher than I was offered along with my min payment going up every month. 

Thank you XXXX XXXX
Consumer complaint received 2018-08-26
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)

When you apply for a new loan or line of credit, a hard inquiry may appear on your TransUion credit report. Hard inquires are made by lenders and may negatively impact your score. XXXX makes a soft inquiry, meant for consumer education. Soft inquiries may appear on your report, but they do NOT impact your score. Below are all of your inquiries. 
Creditor Name Inquiry Date Type XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XX/XX/XXXX Miscellaneous, Not Elsewhere Classified XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX Department & Variety Stores XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XX/XX/XXXX Bank XXXX XXXXXXXXXXXX XXXX  XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX Finance XXXX XXXXXXXX XXXX  XX/XX/XXXX Automotive XXXX XXXX XXXX XX/XX/XXXX National Credit Cards/Airlines XXXX XX/XX/XXXX Finance
Consumer complaint received 2018-03-29
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I reached out to Navient when I first started to pay my loans back trying to get them lowered for a short time while finding my first job out of College. They basically told me I was out of luck nothing they can or would do other than forebearance.
Consumer complaint received 2017-06-19
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. (MI)

i contacted the three credit report agencys. XXXX, XXXX, and Experian concerning the inquires that are on my credit report. 6 months ago I contacted them with a letter asking for them to be removed as they are not mine and they are not associated with anything I own or have ever owned. I then received letter back from all three that were just computer generated saying they have investigated and they belong there. I sent them out letter again stating these were not mine and asked them to provide proof they have these inquires are mine and I approved someone to run my credit.. during this time of the second letter I froze my account through some agencys and am trying to make sure nobody is accessing my credit again. I received the same generated email from all three companies stating the same thing but did not provide me with any documentation that they received proof these items are mine and I approved anyone to run my credit. I reached out to several of the companys that are listed as inquires and have never gotten a response back or anything letting me know who would give permission to run my credit.
Consumer complaint received 2018-08-26
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. (FL)

I have brought this situation to the attention of XXXX XXXX XXXX XXXX on several occasions and it still appears on my credit reports. XXXX, XXXX and EQUIFAX lists the following : Delinquent Account Alert Type : Delinquent Account Processed Date : XX/XX/XXXX Account number : XXXX Creditor 's Name : XXXX Type of Industry : Miscellaneous Finance Companies Address : XXXX XXXX XXXX , XXXX  XXXX , MO XXXX Payment Status : Wage Earner Plan Creditor 's Preferred Contact Method : Other Consumer Statement : Dispute resolved ; customer disagrees. 

I have attached copy of the discharge from Chapter XXXX and official Payment Plan. You will notice the Payment Plan states Other Provisions Not Included Above : b. The secured claim ( s ) of the following are intended to be paid directly, are not provided by the Plan, and shall retain their lien ( s ) : - XXXX XXXX ( XXXX XXXX XXXX ). XXXX XXXX XXXX sold the loan to XXXX. 

This claim was paid in full as agreed. There were no late payments and there is not outstanding amount. I have the title to the vehicle.
Consumer complaint received 2018-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

This is a minor issue as this account is scheduled to fall off my report next year. XXXX XXXX has charged off and closed an old account and sold it to a collection agency. Since they no longer have a vested interest in this account, im respectfully asking them to remove it from the three credit reporting agencies. I have another account with them in good standing. I understand that they are not obligated to remove it from the three credit reporting agencies.
Consumer complaint received 2018-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (LA)

This is a minor issue as this account is scheduled to fall off my report next year. XXXX XXXX has charged off and closed an old account and sold it to a collection agency. Since they no longer have a vested interest in this account, im respectfully asking them to remove it from the three credit reporting agencies. I have another account with them in good standing. I understand that they are not obligated to remove it from the three credit reporting agencies.
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (MA)

I was shocked when I reviewed my credit report and found these late payments on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX ; XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-03-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (PA)

i took out a {$400.00} loan in XX/XX/2017 and have made {$120.00} payments on time biweekly since that time. XXXX weeks ago I contacted the company inquiring how to pay down the loan and was informed that any additional payments made at the same time as the original payment would be applied to the principal. I have been paying {$120.00} plus an additional {$200.00} for the last to payments and to date only {$37.00} has been applied to the principal. The company states that they have no way to apply the additional payments to the principal therefore they apply the entire payment of {$120.00} to interest and XXXX to principal from the additional {$200.00}. To date I still owe {$810.00} from a {$400.00} loan the principal has been reduced less than {$40.00}. The interest is 699 %. It would seem that if the entire original payment is applied to interest then there is nothing but principal remaining for the additional payment to be applied to. It is also contrary to what I was informed the process would be. I would not voluntarily pay additional money for additional interest payments. As of now I am paying {$120.00} plus an additional {$200.00} per payment for XXXX in total to be applied to the original loan amount of {$400.00}. I have been informed that I will pay the loan off earlier than anticipated in XXXX if I keep this rate up. Wow!
Consumer complaint received 2018-08-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NY)

This debt I believe occurred in XX/XX/XXXX/XX/XX/XXXX however has reappeared on my credit report showing a XX/XX/XXXX start date. I disputed the debt through the credit bureau 's but they supposedly received enough info to say it was my debt. I have never received any information and know this has been a collection item for many years at this point. It is illegal to re-age the debt in attempts to collect the debt. I have requested information from the agency but have not received anything to date. I have found one bill going back to XX/XX/XXXX regarding this debt so there is no way the XX/XX/XXXX report date is the origin.
Consumer complaint received 2018-03-29
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. (IA)

I contacted Equifax concerning a state tax lien that was paid in full and released. It shows correctly on my XXXX report. Equifax has only removed the name of the creditor off my report. It still shows I owe a balance of {$4500.00}. I first filed a dispute with them in XX/XX/2017 and have been filing one about this every 30 days. They will not fix it even though I have attached proof from the state department of revenue that it was paid and released.
Consumer complaint received 2018-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

On XX/XX/2018 after documenting complaint # XXXX with the XXXX XXXX XXXX XXXX ; I received a letter from Select Portfolio Servicing , Inc . Proceeding to correct errors in my account, Select Portfolio Servicing , Inc. would be waiving late fees in the amount of {$1000.00} as of XX/XX/XXXX and I would see the update in my next monthly statement. 
As of the date of the letter the amount of my monthly bill was due for XXXX. 
On XX/XX/2018 I received another letter that was confusing. I have been paying {$930.00} for years and this letter stated that after they increased my payments to {$980.00} Select Portfolio Servicing , Inc. would be lowering these payments to {$940.00}. But how does that benefit me??? 
The letter also stated that Select Portfolio Servicing , Inc. did indeed over pay the property taxes. I explained that I have always paid them myself. But Select Portfolio Servicing, Inc. paid them anyway, In error, and now there is a big credit in my property tax account. 
Also on XX/XX/2018 I received a second letter that stated that I had no home owners insurance although I do. 
Shortly after the home owners insurance company attempted to cancel my insurance. 
Blessed, I have continued with home owners insurance without any lapse. 
More recently, I received a billing statement from Select Portfolio Servicing , Inc. that reflects an increase in fees and an additional sum of {$61.00} that I know nothing about along with an incorrect amount of total payments. 
If in XXXX Select Portfolio Servicing stated that I owed for XXXX. why does this billing statement reflect over 3 months behind? 
And why am I after all this time still paying 5 % or more interest when every other company is advising me that I should be charged 3 % or lower?
Consumer complaint received 2018-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CA)

Hello - I had a XXXX XXXX XXXX XXXX Credit Card, That was on a auto pay plan. The account was transferred to with out my knowledge to American Express however the auto pay was not. I became aware of this today and I brought the account current. They are charging me late fees and a higher interest rate because of the late payment, I think this is unfair.
Consumer complaint received 2018-08-26
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. (MA)

Good Day Sir/Ma'am : My circumstance does not exactly fit into the canned reasons provided in the online complaint application, however I am hoping I can get some assistance with this. As I believe it affects many if not all Consumers.

1. On XX/XX/2018, I paid off my family student loan with the U.S. Dept of Education in the amount of {$1200.00}, and made a payment on my XXXX Credit Card in the amount of {$10000.00}, and a subsequent payment of {$350.00} on XX/XX/2018. 

2. I took these payment measures not only to reduce my debt ratio, but to improve my credit score as well. Just prior to making these payments my credit score for XXXX XXXX was XXXX, and Equifax was XXXX. 

3. I was shocked and dismayed to find that XXXX XXXX penalized me 16 points off of my score for having paid off my student loan, bring my score to XXXX, and Equifax 1 point down to XXXX. 

4. This action by me to reduce my debt, and pay off my student debt should have been rewarded by adding points to my score, not deducting points. Especially 16 points down. This is not fair to consumers who are keeping up as best they can with paying their debt down.

5. This is a lose/lose situation being perpetrated on Consumers. I can see if the account had to be closed due to non-payment, where collections or a write off of the debt were required. However, this is not the case with me, as it most likely is not the case for many other consumers.

6. I am hoping to get credited back the 16 points ( XXXX ) from XXXX XXXX, and have the 16 points added to my original score of XXXX ( XXXX ). Although Equifax was not as harsh, deducting only one point, I feel the direction of the score should have been in the positive to XXXX. 

In closing, this is a unfair practice!! So much attention is placed on Consumers being responsible in managing their finances, paying down our debt, maintaining our creditworthiness, and when we do, we are penalized heavily for it ; therefore having negative effects on our credit worthiness. 

I greatly appreciate your assistance with this matter, as I am sure many other Consumers will. Thank you so much for this opportunity to file this complaint, and I look forward to hearing from you soon.

Most Respectfully, XXXX XXXX XXXX
Consumer complaint received 2017-06-19
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. (VA)

I 've been trying to resolve multiple unauthorized inquiries on my  Eqiufax  credit report to no avail even with an intial fraud alert being placed on my report.The unauthorized inquiry number keeps rising and Equifax refuses to investigate and instead just sends me a document stating what an inquiry is.
Consumer complaint received 2018-10-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC. (NC)

I am in the final stages of purchasing my home loan and the lender ( XXXX XXXX ) is not able to pull my credit report. They are receiving an error message that says that my file has been blocked or frozen. We have unsuccessfully tried to have this file pulled on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and i have called at least four times a week on the weeks beginning XX/XX/XXXX & XX/XX/XXXX.
Consumer complaint received 2018-10-29
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)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XX/XX/2017. 
I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Consumer complaint received 2018-08-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

On XX/XX/2018 in a good faith effort I sent XXXX XXXX XXXX XXXXXXXX a validation of debt letter ( see attached validation letter ) for an alleged debt that was reporting on my XXXX, XXXX and XXXX reports. XXXX XXXX XXXX   XXXX never sent any mail stating that was a debt collector attempting to collect this alleged debt, I only found out about such debt by review my credit report. 

In the debt validation letter I requested that XXXX XXXX XXXX XXXXXXXX give me the name, telephone number and address of original creditor along with other competent documents that give proves that I owe the alleged debt, XXXX XXXX XXXX XXXXXXXX has not responded to my debt validation letter, but yet still reporting this alleged debt to the credit bureaus.
Consumer complaint received 2018-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (MD)

This letter is in response a letter dated XX/XX/2018 from Radius Global Solutions LLC claiming I owe them {$11000.00}. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay Radius Global Solutions LLC this amount.