davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MI)

Previously applied for loan modification thru XXXX XXXX XXXX due to co owner Mothers sudden transition. 
Followed all XXXX XXXX XXXX instructions XXXX XXXX XXXX suddenly started foreclosure during modification and would not permit borrower to submit payments Borrower contacted Consumer complaint which forced XXXX XXXX XXXX to launch exhaustive investigation. Recordings found because borrower had dates and times names. 
In the interim XXXX XXXX XXXX pursued foreclosures replete with foreclosure notices on door. 
Result was an apology letter from XXXX XXXX XXXX removing missed payments from credit reporting agencys and one mortgage payment made by them.

Next at inception of Covid cares act borrower contacted XXXX for three month deferral Cares act request on back end of loan It was approved via phone. 

However at this time borrower noticed maturity date was changed to a longer date. 
Borrower contacted XXXX XXXX XXXX executive offices. Borrower was told by representative maturity date was changed due to modification. Borrower explained to representative that a modification was never processed & agreed XXXX XXXX XXXX had no proof of signature about changed maturity date. 
Borrower explained to representative that an apology letter was granted. He cited he would follow up and did not. 

Next action that occurred was XXXX XXXX XXXX sold mortgage to SPS without informing borrower. 

Borrower found out when confirming payment and cares act deferral Borrower contacted SPS Told SPS about the maturity date error and the approval for cares act for deferral on back end of loan for three months Sps cited it would take months to discover and denied requests for Cares act approved by XXXX XXXX XXXX Borrower was impacted by Covid thus seeked assistance from other organisations. 
XXXX XXXX assisted with mortgage payments. 

Next incident was XX/XX/XXXX Borrower was told via call payment of over XXXX XXXX dollars was made and no mortgage was due until XX/XX/XXXX In the interim SPS sent borrower statements In XXXX & XXXX reflecting no payment due to XX/XX/XXXX. 

On XXXX XXXX borrower received letters from SPS citing SPS had made several attempts to contact borrower. The lettters were dated XX/XX/XXXX & XX/XX/XXXX. 
These letters were not true. 
These were first attempts The letters stated payments were past due and borrower had to XXXX XXXX to pay or foreclosure would start When borrower contacted SPS via phone was told by representative that SPS made errors and placed money on wrong account and borrower had to XXXX XXXX to pay all mortgages or foreclosure would occur This is not borrowers fault Please help
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I have submitted a written dispute twice to all 3 bureaus in regard to an account that was disputed first with the original creditor and taken care .... ( agreement to remove ). If the original creditor has agreed over 7 months ago to remove why is it still on my report? Also, the original creditor no longer replies or answers my calls.
Consumer complaint received 2021-01-24
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: EQUIFAX, INC. (FL)

i saw inquiries on my credit report that i don't recognize, i sent mail to the three credit bureau on XX/XX/2020, to fix the problem. 
XX/XX/XXXX still didn't answer back to me. 
Equifax and XXXX  answer back telling that nothing was wrong the inquiries but was able to show me the prove that I initiate the inquiries. 
No documents, no email, nothing!!! 
this situation cause me prejudice, i try to buy a house and all these false inquiries on my credit report make my credit score drop.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020.
Consumer complaint received 2021-01-24
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 saw inquiries on my credit report that i don't recognize, i sent mail to the three credit bureau on XX/XX/2020, to fix the problem. 
Transunion still didn't answer back to me. 
XXXX  and XXXX  answer back telling that nothing was wrong the inquiries but was able to show me the prove that I initiate the inquiries. 
No documents, no email, nothing!!! 
this situation cause me prejudice, i try to buy a house and all these false inquiries on my credit report make my credit score drop.
Consumer complaint received 2021-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (FL)

SYNCB/CHEVRON DC Partial Acct # XXXX, XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX reported to XXXX  Credit Bureau that I owed an unpaid credit card debt of {$1000.00}. This is not my credit card nor my debt. I told XXXX in a phone call this was not my debt or credit card. I was told XXXX  would check with Chevron. XXXX later told me in a dispute report that Chevron confirmed that I was the credit card owner and I was responsible. The same process happened with XXXX Credit Bureau. Both XXXX  and XXXX down-rated my credit. XXXX XXXX XXXXXXXX cancelled my credit card. XXXXXXXX XXXX  down-rated my availability of credit. XXXX XXXX XXXX, XXXX notified me they had bought my account on XX/XX/XXXX. Their address is XXXX XXXX XXXX, XXXX, VA XXXX. Their phone # is XXXX. They informed me that I could make an ID Theft Report in my own state, which I am doing. They also told me about filing a complaint with FTC.GOV which I am doing. XXXX XXXX XXXX. also informed me that the credit card was charged at a XXXX gas station/garage in XXXX, Alabama on XX/XX/XXXX, and that the credit card bills were sent to XXXX XXXX XXXX XXXX XXXX in XXXX, Alabama. XXXX XXXX also informed me that I could send them copies of my electrical bills ( from a year before XX/XX/XXXX to the present time ) to show my correct address. I have made these copies of more than two years of utilities and also filed a police report on XX/XX/XXXX by computer. I am waiting to speak to the police in person and get my official police report. When I get the police report, I will have to send all utility bill copies and a copy of the police report physically by mail to XXXX XXXX XXXX. as I don't know how to do this by computer.
Consumer complaint received 2021-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I've tried to contact Capital 1 directly, but get a message saying : " Looks like there's an issue with your account. Before we can chat, you'll need to clear it up. Check your account for more info on what to do next. '' When I click the link to correct the issue, nothing happens. So I can't get through to customer service. 

I paid off the account on XX/XX/2020. On XXXX XXXX I noticed there was an interest charge of {$55.00}, so I paid that off too. Now, on XXXX XXXX there is another interest charge of {$5.00}. Even though it's a small amount, I don't understand how it's calculated since there has been no transactions since last statement. ( See screenshot ). 

Also, I don't know if they will continue to add interest fees to this paid-off account in the future. Since they won't allow me to contact their customer service online, I can't ask them to correct this.
Consumer complaint received 2021-01-24
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. (FL)

I sent a dispute to XXXX On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

They sent a response saying the information was updated but still is inaccurate. 

These accounts have the same exact date, open date and payments history with different High balances. Causing duplicate negative remarks. 

This account is still inaccurately reporting late payments. In your account history there is no amount past due showing on the payment history. With your report only starting the report on XX/XX/XXXX with 90 days late and XX/XX/XXXX 120 day XX/XX/XXXX 120 days with missing history form XX/XX/XXXX to XX/XX/XXXX until you start reporting again XX/XX/XXXX 90 days late. Why are you reporting 90 days late 8 times with incomplete account history? This information is inaccurate and would like you to please remove this inaccurate account or update all the late payments being reported on this account immediately. 

Showing 47 months received but only have 8 on your account history. 

I have attached copies of the letters I have sent, their response and how it appears on my credit report
Consumer complaint received 2023-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

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 XXXX XXXX : # XXXX, XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : # XXXXXXXX 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 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NC)

Thank you Chance for sending me the information on my account. See attached account info as well as your letter. 

My question is. You said I paid last on XX/XX/2014. You then mentioned that my date of first delinquency is then XX/XX/2014. So, I am wondering if my last payment is in XXXX how is it that Amos 60 days later it finally becomes delinquent? Please explain to me why the account should not be date of first delinquency as of XX/XX/2014? 

Thank you.
Consumer complaint received 2016-05-09
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery called me on XXXX. I requested they do not contact me. I submitted something in writing requesting this. I received another call on XXXX and today XXXX, again reiterating that I have requested them to cease and desist contact with me.
Consumer complaint received 2021-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My date of birth is incorrect on my credit file. I have sent several dispute letters to be corrected and called Equifax directly as well. I have sent in several request to the credit reporting agncies since XX/XX/2020. They notified me via phone that date of birth would be correct within 48 hours but has been more than 2 weeks and nothing been updated
Consumer complaint received 2021-01-24
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. (GA)

The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2020. They have fail to comply within the 30 day statute of limitations.
Consumer complaint received 2021-01-25
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: Experian Information Solutions Inc. (CA)

Experian has been furnishing my information without the written instructions of the consumer which is me in accordance with title 15 usc 1681 ( b ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Which is stopping me from obtaining credit.
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (GA)

Back in XXXX of XXXX, I was a victim of identity theft where thieves stole from my personal banking account well over {$2500.00}. As a result, I had to file a police report and open a criminal fraud investigation with my banking institution which didn't resolve the case until XXXX of XXXX. As a result, I fell behind on my payments to my creditors since I didn't have access to the funds needed to pay them being a victim of theft. I reached out to JP Morgan Chase notifying them and they put me on a payment plan which I am on now. I also sent them a certified letter explaining the situation and asking for an update on the negative credit reporting for the delinquent periods taking into consideration that prior to being a victim of identity theft I had always had on-time payments. On XX/XX/XXXX, a rep named XXXX from Chase 's Credit Bureau team told me that although I was a victim of identity theft there is nothing they can do to update the credit reporting. I kept explaining why I was needing it updated based on the circumstance of having been a victim and she told me there was nothing they can do for me. As a customer, I am shocked and hurt that being a victim of this situation there is nothing Chase can do as a long-time customer. This is causing undue stress for me and my family
Consumer complaint received 2021-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP (NY)

I am writing today in regards to my account with US BANK account # XXXX. The reason for writing today is in regards to the late payment is which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2021-01-25
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: SYNCHRONY FINANCIAL (MD)

Synchrony Bank is reporting a fraudulent account on my credit report. I have disputed this account with all 3 credit bureaus but XXXX  will not remove this account. Both XXXX and XXXX  has removed this account after disputing.
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is very unacceptable and I need this resolved ASAP!
Consumer complaint received 2019-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AL)

On XX/XX/XXXX, I tried to transfer money to my son 's girlfriend but could not. I called Chase and they informed me there was a dispute on my account by Mr. XXXX XXXX on a {$600.00} transfer he sent me on XX/XX/XXXX. I was unaware of any issue, but told the bank I would check with Mr. XXXX. Upon speaking with Mr. XXXX, he said he has not filed any dispute or anything about this transaction. On XX/XX/XXXX, Mr. XXXX and I spoke with representatives from XXXX  XXXX XXXX. We were told at that time that no dispute was filed. I then called Chase. I was then told that the dispute was via the XXXX app feature of the XXXX  XXXX XXXX account. Mr. XXXX and I then called XXXX XXXX XXXX again. Again, we were informed there was no dispute filed either by XXXX  XXXX XXXX or the XXXX XXXX originating from Mr. XXXX 's account with XXXX  XXXX XXXX. I then called Chase. From that point it has been call after call. I was given no timeframe for resolution and no opportunity to prove my account was wrongfully frozen. I have spoken to agents, supervisors, even representatives from the CEOs office. No one can tell me why my account is still frozen when I have provided them with my assertion that no dispute has been filed. No one can tell me a timeframe or give me any indication when my funds will be released. At this point, I feel that Chase is in error by continuing to withhold access to my money when no one has filed a dispute and no one has offered proof of said dispute. I am asking that my account be released immediately so that I can access my money.
Consumer complaint received 2021-01-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (PA)

As of XXXX acct number began with XXXX with credit acceptance I let them know there was a gas issue with the vehicle they never corrected, I paid for the repair out of pocket. After that I had another issue with ignition and didn't have the money to come out of pocket for that repair and the car note and the insurance plus what I originally paid for the 1st repair. After that I advised them to come get the vehicle and remove it from my consumer report less than 30 days I return the vehicle and it has still not come off my credit report it shows repossession and ruining my reputation with a derogatory mark on my credit report. This was for a used old car like a XXXX XXXX XXXX XXXX for about {$10000.00}
Consumer complaint received 2021-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020.
Consumer complaint received 2021-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (OH)

Someone opened a PayPal acct/credit card using my information. I am a victim of identity theft. I was contacted by XXXX XXXX XXXX XXXX, who threatened legal action. I did contact the fraud dept. and they are investigating the claim. I do not know at this time how many other fraudulent accts. are open in my name. I do not have any documents regarding this matter. I was contacted by phone.
Consumer complaint received 2021-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc. (TX)

We had inquired about a deferment. 
And then the same day we told Cornerstone we did not want the deferment and would send the two payments so we could close out the forbearance. We continuously made payments during the forbearance period. Since that conversation we have talked to 5-6 reps reiterating do not put us in a deferment. Weve asked, requested, pleaded with reps to take action do not put us under a deferment yet we have received 2 emails ( XX/XX/XXXX and XX/XX/XXXX ) that deferment was approved. 

We are asking for someone authoritative to assist us. We need Cornerstone to 1. Cancel deferment if we have been added to one. It is against our request and there should be days of call records/notes indicating to do so. 
1. Apply our payments ( {$6400.00} ) to our mortgage acct first.

2. THEN remove us from the forbearance.

3. Email or fax us the customer a letter stating we are out of the forbearance so we can proceed with our refi and payoff of this account.

All reps read vague notes and provide status. No one has provided accurate details on when {$6800.00} dollars in payments received ( and debited ) by Cornerstone will be applied to our account and no longer in suspense.

No one has confirmed the deferment of the aforementioned payments ( we PAID ) was canceled. 
No one will tell us when we will be out of the forbearance. 
No one will confirm we can have a letter in email or fax regarding the exit of the forbearance. 

Cornerstone mortgaging does nothing allow customer service or loan counselors to call out. How do they own serving customers to issue resolution when they cant follow up?