davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I am writing this letter to explain the unethical practices that my current home mortgage servicer Select Portfolio Serving Inc. is ding with my loan and ultimately life. I apply for home assistance program due to changes in my financial circumstances. When I applied for the program, Select Portfolio Serving Inc. qualified me for home assistance program. After going back and forth several times, Select Portfolio Serving Inc. informed that, I do not qualified for program without a valid reason. I was working with a representative name XXXX XXXX, he informed me that Select Portfolio Serving Inc. do not participatXXXX in Home Affordable Modification Program HAMP government program and he had not seen anyone getting awarded this program from Select Portfolio Serving Inc. Then I inquired that, if they have other internal modification program and he responded that Select Portfolio Serving Inc. does not disclose that information. Select Portfolio Serving Inc. has informed that soon my house will be on foreclosure. It is extremely difficult to work with Select Portfolio Serving Inc. as they are not listening to me at all. This is very unfair to a hard working like me and substantially injurious to my family. As a consumer, I feeling that I absolutely have no power over these huge financial firms. 
I am a hard working individual and live in the home with my wife and XXXX kids. I do not want to lose my house and even more, I do not want to be a prey to unethical behavior of Select Portfolio Serving Inc. As a regular of law, please assist me in correcting Select Portfolio Serving Inc. unethical behavior, so they can work with me on my loan modification process.
Consumer complaint received 2020-05-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (FL)

COMMONWEALTH FINANCIAL Original creditor : XXXX XXXX XXXX XXXX XXXX {$1100.00} 0 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2019 Account type Collection Department / Agency / Attorney Balance Loan Amount {$1100.00} This item is was paid in full it is also over 8 years old. I have contacted the agency asking for proof of debt but have not received any correspondent. They are in violation of my rights per fair reporting act
Consumer complaint received 2020-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (IL)

Since XX/XX/XXXX, BSI Financial Services received mortgage reinstatement payments and regular monthly payments they have failed to post to my mortgage account. 

Since XXXX XXXX assumed my mortgage note in XXXX, XXXX operate my 30 year fixed mortgage as an XXXX XXXX ; with negative amortization. 

XXXX XXXX is unjustifyably charging me for questionable fees ; including late fees. 

BSI Financial Services has blocked me from refinancing my home mortgage loan for lower interest rates as they have reported my account as deliquent and stated I was disputing the account. 

I have attached a letter of concern and supporting documents for your review and appreciate your assistance in restoring my mortgage account with BSI.
Consumer complaint received 2019-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (VA)

Anaccountwasopenedinmyname.IdidnotopenaXXXXaccountandamconfusedonwhythisaccountisinmyname.ThisisafraudulentaccountthatIdidn'taskfornorhadknowledgeofitbeingopen.Iwantdocumentationonwhoopenedthisaccountandwhyisthisreportinginmynameasmyaccount.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In XXXX I paid off my debt balance. In XXXX there was interest put on to the account that was not communicated via email or mail. I paid it at the end of XXXX ( well within 30 days ).  Capital One has now charged me a late fee and has also put a mark on my credit score. 

I have tried contacting them regarding the charge, they did not offer any assistance or information regarding the late charge. I spoke with a representative and a XXXX, neither of them could even provide me with details of the charge. 
The representatives ID was XXXX and the managers ID was XXXX.
Consumer complaint received 2020-05-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TIDEWATER FINANCE COMPANY, INC. (MD)

This is a scam. XXXX XXXX approached me on XXXX XXXX for Real Estate FUnding. I was approved for a loan but he wanted me to send {$2400.00} to a student at the University of XXXX  and gave me her personal account number. I have not done so. His email address is XXXX. At fist he gave me his work email but his work email is XXXX. His phone number is XXXX
Consumer complaint received 2020-05-26
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: EQUIFAX, INC. (TX)

filed ftc on these co for violations thats on ftc web page XXXXDispute XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX  XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute
Consumer complaint received 2019-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Ongoing since XX/XX/XXXX to present. Told affirm I did not apply for a loan. Insisted I did. I filed identity theft report I submitted their fraud brochure filled out four times. In XX/XX/XXXX they reported me to credit bureaus as past due accou. Huge impact on my credit score as Ive never made a late pmt. Sent them copies of hard inquiry which they removed the account info but say they did not do hard inquiry so they wont remove. Requested by certified mail that investigation be performed by bureau and please send me detail info of finding which I never received. Sent certified letters to all 3 bureaus. i would like restitution.abd by credit report be corrected with the correct information.
Consumer complaint received 2023-06-22
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)

I called your department after I purchased a credit report with XXXX XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THIS FRAUDULENT ITEM : XXXX XXXX XXXX XXXX CA XXXXI never lived here before. Please delete. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA- This address is not mine. Please remove it asap. 

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Consumer complaint received 2020-05-26
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: Experian Information Solutions Inc. (GA)

This company has been claiming to " verify '' account information for XXXX XXXX, when they have not. 
This account is a charge-off, and they are allowing XXXX to report a new one every single month for the past 3 years. Its a SINGLE charge-off and not 36 charge-offs. This has me really stressed out and i now worry about my mental health. They know This is against the FCRA ( Fair Credit Reporting Act ), because i've told them in numerous letters but it keeps getting verified. This account can not be charged off WITH a balance if its been sold to a collections company, also against the FCRA. The last " update '' to this account was in XX/XX/2017 but the account always comes back at updated/verified. Whats actually being updated? 
THis can not go on. This account is NOT being verified, they arent providing me proof, nor are they telling me how they verified it once they do it ... more fraud violations
Consumer complaint received 2020-05-26
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. (CA)

I met with a loan officer today XX/XX/2020 because I'm in the process of buying a house but when my credit report came back, I was told that I did not get approved for any loan at the moment because there are several accounts in negative standing appearing on my credit history. I didn't even know I had negative accounts on my credit because I have always paid everything on time ; I looked through my report and I saw about seven accounts that I never opened. I don't know who opened those accounts in my name but I did not give anyone permission to do so. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of those accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts that I did not authorize to be opened on my behalf.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANCO POPULAR DE PUERTO RICO (FL)

I already submitted a letter requesting the XXXX to report the XXXX MORTAGEas closed in my credit report and they haven't corrected the issue. The letter send to my credit report belongs to the first mortgage not the second XXXX.
Consumer complaint received 2020-05-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

I applied for a new jumbo mortgage with CIT Bank/One West Bank. A loan officer represented me with CIT - XXXX XXXX - XXXX, XXXX. 
The new mortgage required a downpayment of 20 % which I agreed to do. I was given a pre-commitment letter for the full amount of mortgage requested - $ XXXX and all the information that bank had requested - tax returns, pay stubs, bank accounts, etc. The bank ran credit reports - my FICO score is at least XXXX, with no foreclosures or forebearances. I am also the CEO of a public company - my compensation arrangements are fully disclosed. The loan officer submitted the files and believed that given my income ( well in excess of mortgage payment requested ) and all other credit information, there shouldn't be a problem. Underwriting told the loan officer that the mortgage would be denied unless I could provide documentation that I had three years of future income. Aside from this requirement being virtually impossible to fulfil, it was never part of the underwriting requirements disclosed initially. I did receive the bank 's statement indicating credit denial - the only item checked was " unable to verify income ''. This statement is entirely inaccurate given their statement presented to me to qualify for a mortgage and the information I provided. I am XXXX years old, and XXXX. The three year forward income assurance is a red herring that masks the real reason they denied me credit. Please investigate, as this is inequitable and inconsistent with the information they required. Furthermore, their request is completely outrageous, especially considering that I was going to put an increased amount of down payment towards the purchase ( 20 % ). They did not provide any alternative to the mortgage they were going to offer. Please investigate.
Consumer complaint received 2019-09-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC (OH)

We have an auto loan with Prestige XXXX since XX/XX/XXXX.  We have noticed that our payoff is only going down roughly {$100.00} a month. We pay {$370.00} a month. Being that we are a little over 5 years into this loan, I know we paid a big chunk of the interest of a 17.99 % auto loan. Normally towards the end of a loan the majority of the interest has been paid and more money comes off the principle balance than {$100.00} of a $ XXXX monthly payment. 
We are assigned an account rep to basically hound us starting the day before payment is due. If we are more than 3 days late we get a " final notice '' to come repossess the vehicle. We get nasty emails and texts throughout the day from our assigned rep. Which we have been through about 8 different assigned reps since our loan started. So anytime we ask about this issue they say, if you don't like it we can come get the vehicle. 

An example is in XX/XX/XXXX our payoff stated it was {$4800.00}. As of today it states our payoff is {$4300.00}. So in 5 months we had {$500.00} come off our principle balance? We have had this loan over 5 years. How long have they been doing this? 
According to my math that is a lot higher than a 17.99 % APR. This has happened our entire loan. Of course it says we owe that much when we only get {$100.00} a month off our balance per month. 

Please look into this. If they are doing this to us, they are doing it to everyone. They are crooks, take advantage of consumers who are put of options for financing and this company must teach to be rude and relentless in collecting payments. Especially when they don't provide a monthly invoice or email invoice. Just rude calls and emails. 

Thank you for taking the time to listen.
Consumer complaint received 2020-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown accounts from my report as soon as possible CHAPTER XXXX BANRUPTCY XXXX {$0.00}
Consumer complaint received 2020-05-25
Product: Mortgage — Other type of mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Onity Group Inc. (HI)

XXXX XXXX out of XXXX was sued in XXXX in XXXX XXXX XXXX and the EX-CEO XXXX XXXX was asked to produce a Contract and Proof of any money lent to XXXX XXXX XXXX XXXX the law firm was suppose to respond.There was XXXX Response ' which is 'TOTAL FRAUD! 'Ocwen XXXX the XXXX Servicer of the XXXX have 'HARASSED ' XXXX since XXXX and bought XXXX XXXX in XXXX, XXXX has XXXX CONTRACT ' nor has any 'MONEY BEEN LENT ' to XXXX by them The XXXX Contract lapsed in XXXX! XXXX the XXXX of Limitations lapsed in XXXX! The XXXX has been 'BREACHED ' XXXX times! XXXX was SWINDLED by the Mortgage Broker XXXX XXXX in XXXX who FRAUDULENTLY wrote XXXX makes {$150000.00} a year when XXXX averages {$31000.00} a year! That '' XXXX a {$120000.00} difference! MAJOR PREDATORY LENDING! Then XXXX sent {$600000.00} of his XXXX stripped money to a 'PONZI SCHEME! 'Why hasn't the SEC XXXX XXXX XXXX Why hasn't the SEC investigated the Law Firm XXXX XXXX, XXXX, XXXX XXXX XXXX? The SEC sent me to them and they CHEATED me out of a Settlement with XXXX XXXX that was worth Millions! We the People PAY YOU TO DO YOUR JOBS AND NOTHING IS BEING DONE!
Consumer complaint received 2020-05-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WAS AN ACCOUNT IS NOT MINE AND ACCOUNTS THAT WERE NEVER LATE. 

I ALSO NEED THE ACCOUNTS LISTED UNDER ACCOUNTS TO BE AMENDED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO SHOW NEVER LATE OR PAID AS AGREED. 

THE ACCOUNT LISTED BELOW UNDER ACCOUNTS TO DELETE, IS NOT MY ACCOUNT. 

I HAVE SENT DISPUTE LETTERS ON XXXX BUT I DID NOT RECEIVE YOUR INVESTIGATIVE RESULTS REPORT UNTIL TO DATE. THE INVESTIGATIVE RESULTS REPORT WAS TO HAVE BEEN COMPLETED BY XXXX WHICH IS IN VIOLATION OF THE FCRA DEADLINE DATE TO RESPONSE GUIDELINES. YOUR FIRM COMMITTED A 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES.
Consumer complaint received 2020-05-25
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 — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc. (OK)

I satisfied my account with National Credit Systems in full in XXXX of 2019. I received written confirmation of this dated XX/XX/2019. The account is still reflecting a balance of {$1300.00} with all credit reporting agencies. I have contacted National Credit Systems of this issue and received no resolution. So I have disputed the inaccurate information with all 3 major bureaus. Most recently XXXX  has replied to my dispute stating that the information is being reported accurately and that it will not be updating the information even though I attached National Credit System 's letter with my dispute stating that the account has been settled in full and now has a {$0.00} balance.
Consumer complaint received 2020-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FACTUAL DATA Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX CARDS XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX all inquires ftc violations
Consumer complaint received 2020-05-26
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: SUNRISE CREDIT SERVICES, INC (NC)

On XX/XX/XXXX I contacted XXXX XXXX XXXX  regarding a past due bill. They let me know that I could still make the payment to them which I did the same day ( account was paid in full ). Sunrise Credit Service won't remove their account from my credit report and I don't understand why because it is my understanding that once I paid XXXX XXXX XXXX  I was no longer indebted to them. 

If XXXX XXXX XXXX truly didn't own the debt they legally would not have been able to collect on it so I don't understand why Sunrise Credit won't remove the amount from my report.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (AL)

i have tried to get a understanding on why i could not get a free credit report in which i was denied a credit report and they are wanting me to pay for a credit report and i know that i qualify for credit report every year. i am having to go through a bunch of red tape just to get a free credit report and they want to charge me money just to get a free credit report and score. and they have asked me about things after all these years. and i have provided all the information that needed but still they would not send me my free credit report sent to my address. but i guess i don't qualify for a credit report or score because i am XXXX or maybe because they are using my information against me. when everyone else can have nice cars or a nice house but i know i have not worked all those years for nothing to not have nice things other us citizens. now i am looking a document that says that my credit score was on the date XX/XX/2018 was a XXXX  how in this world did my credit score drop from XXXX to XXXX? but i feel that i am being discriminated against because of my XXXX and i should be able to have nice things like other us citizens. it is wrong for these people to these things to the consumers and i am on a fixed income.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I currently have a student loan with XXXX XXXX which is in deferment. Transunion shows me having a missed payment for XXXX as well as an increase in the amount which is outstanding on my loan. 1st ( first ), per the government as well as President Trump ALL payments for outstanding student loans did not have to be paid until XX/XX/2020. I contacted XXXX XXXX and they stated nothing was reported from them. When I contacted Transunion they acted as if they could not see the change. Then the representative acted as if they could not understand English and stated he's in the XXXX. When I asked for a manager I was placed on hold for 2 and 1/2 hours without the call be answered.