davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

After I filled out the questionaire, Equifax denied me access to my free credit report, asking me to mail in my request with personal information. I answered those questions truthfully, and I was denied access. If someone has been fraudulently using my identity, I should n't have to put myself even more at risk by sending a letter with my SSN via the mail. That 's completely ridiculous.
Consumer complaint received 2020-11-26
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: CBC Companies, Inc. (NM)

What happened is that I had disputed multiple times with Innovis about the missing payment history and the incomplete account number on account with XXXX XXXX, They had reply with totally ignoring my dispute and making illegal updates on this account
Consumer complaint received 2021-01-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I am writing to get some help and answers I was a previous client with ( XXXX XXXX ) they put me on a loan modification that was perfect and affordable for me at a payment of {$1500.00}. I was to sign my paperwork which I did after I made my final trial payment the paperwork I signed was incorrect, so my account manager had to resend the paperwork with correct wording which I signed had notarized and sent back. I was told to wait to start paying until my loan is permanently modified and I get my packet in the mail. So now this brings us to XX/XX/XXXX ' I received a letter advising that SPS is now my lender so I immediately called SPS as I was going through my modification waiting on the paperwork I was told by a representative at SPS that they are still waiting to receive my file to be patient well needless to say this went on for MONTHSSS. With this my mortgage is getting behind finally now we are in XXXX ' fed up with no answers and the run around I spoke to a supervisor on XX/XX/XXXX ' I explained my situation she advised me that SPS should have sent my paperwork out to me back in XX/XX/XXXX ' she stated she was going to have my matter escalated and resolved well again THE RUN AROUND AND NO RESOLUTION. I have tried to work numerous times and always different reps with SPS to get help and to date nothing and now I am being told that I am in foreclosure I had no notice mail notice or anything about this how appalled I am just to let SPS take my home right from me with no knowledge how unethical is that and all I got was the run around. I want to keep my home but I need some help as this was a big oversight and mess up with SPS and now im being punished SPS has failed me and failed to offer me any type of help or loan assistance. Can someone look into this matter and help me.
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (GA)

Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. The adverse items on my credit report has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX XXXX previously XXXX XXXX Bank they have refused to comply. Litigation Case XXXX XXXX XXXX XXXX XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX XXXX XXXX Court.
Consumer complaint received 2021-01-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NE)

My loan was transferred from XXXX XXXX to Mr. Cooper in XXXX after I completed a refi. Taxes were due in XXXX. Mr. Cooper never paid them. I received notices from XXXX XXXX, XXXX in XXXX that I still owed taxes for XXXX. I contacted Mr. Cooper and expressed the urgency of resolving this quickly so I would not take a hit on my personal income taxes due to not being to deduct the approximate {$5700.00} that was due. 

Mr. Cooper outsources escrow services to XXXX XXXX. They don't even have a number for their representatives to contact anyone from XXXX XXXX and only would allow me to contact them via email. They supposedly mailed payment to XXXX XXXX on XX/XX/XXXX, but can not or will not show me any proof of that other than a line item on my statement saying that funds were withdrawn. This left me in a position where I had to take personal funds to satisfy the tax obligation on XX/XX/XXXX to avoid further penalty. 

As of today, XX/XX/XXXX, XXXX County has still received the payment. I've in effect paid my taxes twice, once to Mr. Cooper through escrow and then directly to XXXX County. Mr. Cooper has been unwillingly to cancel the checks that are lost in the mail and refund my {$5700.00} that they lost. 

Please help.
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (MI)

Chase called to what they called evaluate my credit limits and allow I have a better credit profile now then I did when I opened the credit card they lowered my credit limit by 150 %. The person and I did not have a pleasant conversation as I was working at the time they called. When I tried to follow up with a phone call to a supervisor they told me the person making the call has the ability to raise or lower my credit limit as they see fit. For this reason I believe that the decision to lower my credit limit was personally motivated and not in line with credit limits extended to other customers with the same credit profile.
Consumer complaint received 2021-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MI)

When I log into the Chase.com website to make a payment and I dont have a payment due yet, it will not let me make a payment on one account at all. On the other account it would only let me make the minimum payment amount and not more so I end up paying more interest. I have 2 different accounts with Chase. One is closed and I am making payments to pay it off. The other one is open and it wont let me make a payment. I spoke to 2 different people today and the second one said that she knows that lots of people are having this problem and the solution is to make the minimum payment and then pay more a second time. But I dont have a minimum payment due so I cant make any payments at all. So if I have to wait until a minimum payment is due then it costs me more interest. The woman said that she will file a complaint with Chase but she also said that she has seen this problem for the last several months. Is this a scheme of Chases to get more interest out of their customers? They dont seem to interested in solving the problem since the woman I spoke to said she has been having this complaint for months now.
Consumer complaint received 2020-11-26
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: Experian Information Solutions Inc. (LA)

On XX/XX/2020 I've sent dispute for all unknown and inaccurate accounts on my credit report. But there's still no response over 30 days. I was a victim of XXXX  data breach. I demand to delete all unknown and inaccurate account ASAP or I will file a litigation.
Consumer complaint received 2021-01-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I refinanced my HSBC loan with a new bank in XX/XX/XXXX. HSBC Unjustifiably charged me {$3400.00} at the closing date. HSBC stated that this amount was belonging to my outstanding unpaid fees from XXXX loan modification. HSBC it is stating that its previous loan servicer, XXXX, did not include {$3400.00} in the final loan modification amount, therefore, this amount should have been paid at the time of future refinance. The executed note Modification agreement in XXXX clearly stated that all unpaid amount including interests and unpaid fees are summed as my new loan balance. There have not been any signs of additional amount {$3400.00} anywhere else. Within the last five years from XXXX HSBC never communicated nor disclosed that such amount {$3400.00} had existed. Therefore, I can conclude that such amount did not exist. And, even if HSBC is stating that his previous loan servicer forgot to include this amount in the loan modification agreement this would be a serious mistake solely caused by the HSBC previous servicer. HSBC should have gone after his incompetent servicer for HSBC lost money not after me as an honest consumer which have no control over the servicer 's mistake. I agreed to sign the loan modification agreement based on the facts and contractual information which were clearly disclosed. I would not have signed the loan modification agreement if {$3400.00} was included in the first place. Therefore, at this time, I request HSBC to pay my money back as soon as possible. As it can be inferred from media and public information sites, this is not the first time that HSBC is causing such errors and violating good faith lending practices. As a customer, I should be protected, and my voice should be heard. HSBC failed to make its own fiduciary on time assessing its third-party wrong doings. Again, the said amount, {$3400.00}, if existed should have been disclosed to me within much earlier time but not on my refinance day. I believe justice will prevail at the end especially in our beautiful country, USA. Again, I demand HSBC to release my money and amicably resolve this issue internally as soon as possible. Thank you.
Consumer complaint received 2021-01-04
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: Franklin Collection Service, Inc. (DE)

On XX/XX/XXXX I received a credit bureau alert through XXXX XXXX XXXX XXXX and XXXX XXXX, that a new debt was placed on my credit file. The name of this company is Franklin Collection Service of XXXX, XXXX XXXX on the behalf of XXXX XXXX XXXX. On XX/XX/XXXX I promptly called XXXX and began a dispute and requested information about the collector. I called on the same day and spoke to a Franklin Customer Service Rep and asked about the debt. I was informed that the name on the debt is not mine but of some else. Knowing this, I requested the false information to be removed, which I declined, I do not know if this company is legitimate, besides Franklin issued the complaint, the burden of proof lie with them! I asked about information of the debt like address, year this account was opened, phone numbers, but they would not release the information. Franklin know about this inaccuracy, and will not do anything and this is illegal! According to the XXXX, this company have a transparency issue, and have racked up 150 complaints in XXXX.
Consumer complaint received 2022-08-31
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. (FL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I had made a purchase and signed up for a store credit card at XXXX XXXX XXXX onXX/XX/XXXX when I was travelling to XXXX XXXX, NV ; however, I never received the credit card and statement after that. Few months later, I got a call on my cell phone from XXXX XXXX, saying that I had a past due. I told the lady that I never received neither the credit card nor the statement. She told me that I need to wait for the next credit card statement and she could not email me the statement. On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX Store and paid cash for the transaction. By the time I received the credit card statement, I had three months ' late fee accumulated. 
I have the feeling that XXXX XXXX is proposely not sending the first statement to initiate the late fee from the credit card holder. When the time I found out I had a past due, I told them to email me the credit card statement, so I can make the online payment ; they said they did not email out credit card statement. I told them I got it all the time from other banks. I have called the bank this morning ( XX/XX/XXXX ), they said they had record of sending out monthly statement with postal office proof, so they ca n't waive any later fee.
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (GA)

When I tried to make an account at the XXXX XXXX XXXX XXXX, they said I could not complete the process because my Equifax credit report information was not consistent with the information I provided for them. My birthdate on the credit score is incorrect : It says my birthdate is XXXX/XXXX/1981, when I 'm really only XXXX. I do n't understand what exactly is going on, and I 've yet to get the answers I 'm looking for. I just want them to correct the birthdate so that I can apply for an account with the XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-11-26
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: CITIBANK, N.A. (FL)

On XXXX XXXX XXXX, XXXX XXXX, XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. 
On XXXX XXXX, XXXX, XXXX  XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor.
Consumer complaint received 2015-08-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

OCWEN -the mortgage company -sent me a letter stating my mortgage was being sold to XXXX and gave me a check for {$89.00} to repay the echrow account. I went to deposit the check 2 months later and was informed by my bank that they denied payment and I was charged {$17.00} fee. I have called QCWEN numerous times and they claim the check was cashed in XXXX but I had the check in my hand in XXXX for deposit. They refuse to give me any info on where and who cashed the check since I had the live check in my hands in XXXX.
Consumer complaint received 2015-08-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CT)

Equifax refused to investigate blatant errors regarding XXXX XXXX reporting. Instead they rubber stamped XXXX XXXX reporting without investigating. XXXX XXXX deliberately forced the consumer to eliminate paper statements and to rely upon the website for information concerning home equity loan. They processed XX/XX/XXXX payment before they processed XX/XX/XXXX payment. In addition they stated that the total due was for XX/XX/XXXX for the XX/XX/XXXX payment when in fact they knew that the payment oin that date would allow them to intentionally damage ones credit rating with all of the credit bureaus. They also did the same thong in XX/XX/XXXX when they indicated that the payment was due XX/XX/XXXX Equifax along with XXXX, and of course XXXX XXXX have rubber stamped these lies..It is ironic that my husband XXXX XXXX and myself made the complaints to XXXX XXXX and all of the reporting agencies about the same problem for XX/XX/XXXX. After over 10 attempts to get this corrected finally XXXX XXXX corrected but of course did n't look under the covers for their error on these 2 payments
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i applied for a credit card after they sent me an offer letter i applied with the information on the letter which was my information and submitted it online i received notification i was approved and would receive a credit card they sent me the credit card but they sent it with my wifes first name on the credit card with my middle initial and our shared last name i looked nd it was listed under my credit report with my social security number i called them and explained this error and they didnt seem to fix it or have any idea how or why this happened
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 a purchase was authorized twice for {$150.00} at an XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX purchases for {$150.00} were made at an XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX purchases for {$150.00} and {$150.00} were made at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 I called a Wells Fargo representative and started a claim for false charges on my bank account. Claim was received On XX/XX/2022 I received a notification on their app my claim was resolved. 

On XX/XX/2022 I received a letter in the mail detailing the the investigation had found that I had made those purchases. I called to see if their was anything I could do to dispute and the representative said no. 

I did not make these transactions they're fraudulent and it was money taken out of my account unjustly
Consumer complaint received 2016-04-11
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc. (MI)

Bad mortage refi under HARP program with XXXX..When I disputed they transferred to Seterus for mortgage servicer ... {$35000.00} in dispute..New program did not reduce my interest rate, failed to write off {$20000.00}, can not proved who owns the mortgage, all number if they provide any are in dispute ... Seterus is more interested in foreclosing on me and are very disrespective, uncooperating, and expect me to show documentation when they claim they have no documentation..Any and all help will be greatly appreciate..XXXX/Seterus have committed fraud which is nothing new..Please contact me at XXXX ( XXXX XXXX ) and leave voice mail if I do n't pick up..Thanks
Consumer complaint received 2021-01-05
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: Experian Information Solutions Inc. (CA)

XX/XX/XXXX, I submitted an Identity Theft Affidavit to Experian, because someone had opened up and account with XXXX XXXX XXXX XXXX XXXX Account # XXXX ). I was sure to include my ID and proof of address for identification and residence verification. I never received a response back from Experian nor XXXX regarding my dispute FCRA 605b ( 15 U.S.C. 1681c-2 ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
I looked up my credit report today XX/XX/XXXX and seen that there still has not been an investigation per my right to request an investigation. This has been injurious to me, causing me mental and emotional distress. I was denied credit and opportunity to purchase a vehicle because of something that was not my fault. This is unfair to me as a consumer and a unwarranted defamation of my credit worthiness. I am providing proof that no investigation was conducted in order to correct this inaccurate information being reported about me. 
I AM RESENDING WHAT HAD BEEN SENT ORIGIONALLY BACK IN XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: DMB Financial, LLC (TX)

OnXX/XX/XXXX I enrolled in a debt settlement program through DMB Financial Program. I agreed to pay {$740.00} per month for 53 months to settle {$49000.00} in credit card debt. As of XX/XX/XXXX DMB Financial had not settled any debt for me and had taken out of my checking account from XXXX XXXX. {$3700.00} and a related company to DMB Financial took {$59.00} during the same time period for " education purposes ), totaling {$290.00}, and to this day did not settle any of my debts. Not one.
Consumer complaint received 2020-11-26
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. (KS)

I am a victim of the XXXX Data Breach. I began a process of correcting issues on my credit report in XXXX of 2020. On XX/XX/2020 I filed a complaint with the CFPB to help get things corrected on my credit report. Today I am following up in hopes that we can get the remaining inaccurate items removed.
Consumer complaint received 2015-11-26
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (WA)

I need to check my son and daughter 's credit reports to make sure there is n't any fraudulent activity. They 're XXXX years old and XXXX year old. We had received a letter from XXXX saying that their system was hacked ( a few months ago ) and that our personal data may have been compromised and I totally forgot about it until now. I just want to check their reports and make sure everything is okay. Thank you so much!
Consumer complaint received 2021-01-04
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: Experian Information Solutions Inc. (FL)

Ive been going back and forth with Experian regarding the sander account reflecting on my credit report and their continuing to show and verified this account even though Ive reached out to attorney general and advised them of the settlement and lawsuit against XXXX please help they continue to say they updated my report or verified this account. No updates show nor does anything reflect showing a thoro investigation being performed please help