davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Neon Newco Corporation (NC)

XXXX/XXXX/17 I was loading money that was sent to me thru western union to my western union Netspend card which they voided for no reason at all. I tried talking to them but no one would help me. It is hard talking to someone that does n't understand English language.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2022-02-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CIT BANK, NATIONAL ASSOCIATION (WI)

I am XXXX of the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
I have full XXXX XXXX XXXX XXXX XXXX XXXX  at CIT bank. 

CIT bank, specifically : XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX : ( XXXX ) XXXX T : ( XXXX ) XXXX ext. XXXX F : ( XXXX ) XXXX Corporate Office XXXX XXXX XXXX XXXX XXXX, AZ XXXX and, XXXX the bank refuses to release our funds in both a checking and savings account, approximately XXXX. 

additionally, i have requested multiple times to receive copies of all cancelled checks, detail on all transfers, detail on all XXXX payments, and the bank refuses to supply these records even though they are required to keep these records. I can not imagine that it is legal for a bank to withhold our funds, and withhold our records from an authorized signer on the accounts. 

The bank has opened the account under the name " XXXX XXXX XXXX '' while using the XXXX XXXX XXXX XXXX XXXX XXXX. According to the bank, all of the associations they bank are set up this way. this leaves the Management Company, who according to the bank has sole access to all association accounts, the ability to transfer monies in and out, at the management companies sole discretion, with no oversight from the associations. This opens the question of could these accounts be used for nefarious activities, money laundering etc. 

According to the bank, as well as XXXX XXXX, I am the only board member ( out of XXXX communities ) XXXX XXXX XXXX XXXX XXXX to any association account.
Consumer complaint received 2017-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS LN XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX On XXXX, a short sale package was submitted to Select Portfolio Servicing. On XXXX we called in to check on the progress of the short sale package and on the foreclosure sale date. We were told that no short sale would be initiated, as it is less than 30 days prior to the sale date of XX/XX/XXXX.
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SPS claims they fulfilled their obligations to offer alternatives to foreclosure on XX/XX/XXXX by extending an automated trial loan modification that violates underwriting guidelines by not reviewing financial documents first to ensure that the borrowers could afford it. Furthermore, this resulted in a proposed payment of over {$3200.00} per month, which is higher than their current payment. Clearly, if the borrowers can not afford their current payment, they can not afford a higher one, so they did not respond to this offer. This represents both servicing and loan fraud. Federal guidelines for granting a loan modification were completely ignored! There was NO WAY this would have been approved if it were reviewed for financial capacity to pay, as that payment would have resulted in 50 % of their net pay.
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SPS has historically offered these fake loan modification trials to every client that is in default, in an effort to game the system by claiming that this then satisfies their obligation to offer alternatives to foreclosure, when these payments 100 % of the time are higher than their current payment and have not been reviewed for the borrowers ability to pay. This does NOT satisfy that requirement as it is never viable.
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If the borrower can not afford the payment they currently have, on what planet could they possibly afford a higher payment?????
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How can this even be called a loan modification?!!
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When will the CFPB finally do something about this predatory company and stop their outright servicing and loan fraud?!!
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SPSs FRAUDULENT GAMES need to STOP!!
Consumer complaint received 2023-07-10
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. (TX)

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. 

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 2022-02-05
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: DISCOVER BANK (VA)

The ledge account was open 2011 thaw is not my account I did not open this account with this company. I've as for the credit application numerous of times and the company still hasn't provide the information. I've sent dispute over with my driver license and other documents the company has ask for. I've sent over all the information the company requested from me to provide my identity. I can't provided any contract but the company has provided me with such documents.
Consumer complaint received 2017-09-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC. (AL)

Suntrust has denied me my home equity line of credit. I have been on time with my Mortgage since XXXX with no late payments. My annual income is XXXX. I do n't know why they wo n't let me have my home equity line of credit. I am XXXX XXXX XXXX, which i 'm around the right age to get my home equity line of credit and to have my house paid off to where I can have more of my income each month.
Consumer complaint received 2023-07-10
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC (TX)

I AM TAKING AN EDUCATION COURSE THROUGH THE LOCAL COMMUNITY COLLEGE AND FUNDS ARE AVAILABLE TO THE PARTICIPANTS TO PAY HOUSEHOLD MONTHLY EXPENSES BUT THE COLLEGE REQUIRES THAT MY MORGAGE COMPANY COMPLETE THE VENDOR APPLICATION AND XXXX FORM IN ORDER TO RECIEVE PAYMENT - I FORWARDED THE BLANK DOCS ALONG WITH MY LETTER OF INSTRUCTION BACK ON XX/XX/2023 AND SINCE THEN I HAVE CONTINUOUSLY CALLED TO CHECK THE STATUS - SINCE THEN I HAVE FALLEN BEHIND ON MY MONTHLY PAYMENTS AND I AM NOW RELYING ON THIS ASSISTANCE IN ORDER TO CATCHED MYSELF BACK UP TO CURRENT - THE MORGAGE LENDER HAS EXCEEDED THE 30 DAY TIME FRAME AND THE STATUS STILL REMAINS OPENED AND UNDER REVIEW- I HAVE CALLED MANY TIMES AND ASKED FOR MY CASE TO BE ESCALATED - I WAS ASSURED THAT A SUPERVISOR WOULD REVIEW AND CALL ME BACK OR THAT THEY WOULD REACH OUT TO ANOTHER AREA IN THE COMPANY AND CALL BE BACK BUT I HAVE GOTTEN NO CALLS FROM MY LENDER AND NO RESOLUTION IS IN SIGHT - I AM NEARING THE END OF MY EDUCATION COURSE AND FEAR I CAN MISS MY OPPERTUNITY FOR ASSISTANCE.
Consumer complaint received 2022-02-06
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: Meridian Financial Services, Inc. (NC)

I contacted XXXX about an account that was reporting the wrong open collection date. 

This account is with XXXX XXXX, XXXX XXXX. They initially reported my account to XXXX XXXX agency in XXXX after 4 years of reporting, it was then given to Meridian in XXXX. 

Meridian now reports the first open date of this collection account as XXXX. This is not the initial collection date of the account from XXXX XXXX, XXXX XXXX  that was reported to XXXX originally XXXX. 

I called XXXX XX/XX/XXXX to verify the information and that it is correct and that Meridian received the account in XXXX. However, they did not carry forward the initial collection year date from XXXX XXXX, XXXX XXXX as XXXX, but reported it as XXXX which starts a new 7 year period of reporting. This account has already been reported for 4 years ( XXXX ) already with a credit reporting agency XXXX. 

I contacted Meridian and asked them to provide me with the first date this account was open and they continue to state that it was XXXX. I asked for specific information about the property and I could not get anything. 

I contacted XXXX and filed 3 disputes ( XX/XX/XXXX and XX/XX/XXXX ) to get this resolved. XXXX said that the information will remain the same each investigation took a matter of 24-48 hours. I do not know how the investigation was conducted. 

As part of my dispute, I provided XXXX with the credit report from XXXX that shows that this business initially reported this account to XXXX in XXXX, but the initial collection date of this account remains at XXXX.
Consumer complaint received 2022-02-05
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been a consumer of Capital One Bank for years. On XX/XX/XXXX, I requested a credit limit increase from Capital One Bank. I received a letter from the company stating that I was denied an extension of my credit for reasons listed in the attached letter. 

According to federal laws, my rights have been violated for reasons listed in the attached letter. I have attempted to discuss this with the company and have not been able to get proper attention to this matter.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA (VT)

When opening this card the rewards were stated as up to XXXX XXXX and it expounded on this with examples. Since opening the card I have never received the XXXX XXXX on any purchase including places/purchases specifically mentioned. On contacting Goldman Sachs I was told the reason is that I can only receive the XXXX XXXX if I do not use the physical card. This term has not been stated on any of the advertisements I have seen when signing up or when using the card. I specifically even went to a different gas station where they had signs about it and didnt receive it and those gas pumps did not even have the ability to tap to pay with Apple Pay.
Consumer complaint received 2017-08-03
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. (NC)

I 've been disputing XXXX XXXX XXXX XXXX since XXXX 2015 informing them that this is not my account. I 've disputed with all three credit bureaus and every time XXXX XXXX XXXX XXXX confirms that this account belongs to me. I 've asked Equifax, XXXX, and XXXX for method of verification but never received one. I then disputed it directly with XXXX XXXX XXXX XXXX and they still said it was mine. After many letters being sent, they sent me a letter informing me that they have NO RECORD of this account in their system and asked me for more information. Yet they 've confirmed this account belongs to me with the three bureaus but they sent me a letter stating they have no record of this account belonging to me. This is damaging my credit and doing me harm. I ca n't purchase a home or get a decent interest rate on my auto loan because this fraudulent account is on my credit reports.
Consumer complaint received 2022-02-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

I have a Wells Fargo Mortgage underwritten by XXXX XXXX. Ive been using Wells Fargo online to access the mortgage, details payment etc. 

Today I tried logging in and get the message that I dont have an account with Wells Fargo I never received a letter or communication that the loan was being sold to a new servicer so as of now I have no clue whats happening. I paid XXXX payment of {$3000.00} on XX/XX/22 but cant see it it ever posted on their end. This is unacceptable. Well Fargo needs to be held accountable
Consumer complaint received 2023-06-15
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. (CO)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2023-06-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

On XX/XX/XXXX, I scheduled my XX/XX/2023 mortgage payment ( {$1600.00} ) with Select Portfolio to be deducted from my XXXX checking account on XX/XX/2023. However, instead of deducting this payment eight days later as scheduled, Select Portfolio deducted {$1600.00} from my XXXX checking account on the next day XX/XX/2023. On XX/XX/2023 Select Portfolio deducted {$1600.00} from my XXXX checking account AGAIN. And on XX/XX/2023 Select Portfolio deducted {$1600.00} from my XXXX checking account again. Thus, in the month of XX/XX/2023, Select Portfolio has deducted 3 payments for my XXXX mortgage payment, totaling {$4800.00}. I have contacted Select Portfolio continuously over the past 2 weeks and they maintain they are looking into it. Meanwhile my checking account is negative and other payments ( bills ) are being returned and I am being charged XXXX NSF fees ( {$34.00} x XXXX fees = {$230.00} ). I am also without much needed funds for daily living as my checking account remains negative due to Select Portfolio 's internal accounting errors. My car note is also late due to this banking error ( {$65.00} late fee ). I am requesting that all late fees and penalties resulting from Select Portfolio 's erroneous and unscheduled deductions be reimbursed immediately.
Consumer complaint received 2022-02-13
Product: Payday loan, title loan, or personal loan — Installment loan
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. (GA)

XXXX XXXX XXXX / XXXX / {$5500.00} XXXX XXXX / XXXX / {$0.00} XXXX XXXX  XXXX XXXX / {$0.00} - {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2017-07-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Strategic Dealer Services (TX)

This is with reference to my original complaint number XXXX regarding Strategic Dealer Services purchasing my auto loan from XXXX XXXX and I was not made aware of this until I attempted to pay my late fee and make arrangement on or around XXXX/XXXX/17. I advised Strategic Dealer that I have not signed a contract with them my signed contract is with XXXX XXXX and I did not see any where in my signed contract with XXXX XXXX that the auto loan can be sold, I asked that Strategic Dealer send me proof of a signed contract with their company and all I received was a welcome package. Yesterday I was bullied into making a payment to Strategic Dealer Services instead of XXXX XXXX because the shut my vehicle off ( Note : vehicle has a GPS of which the company can turn the vehicle off and it will not start until payment of which seems illegal ). I need to know if this is legal because when I called XXXX XXXX to set up my payment who in turn transferred me to Strategic Dealer to make the payment, Strategic stated they started the process of transferring my account back to XXXX but I can make payment to them because the process of transferring account back has not completed. I need to know if this is legal again I have not signed any contract with said Strategic Dealer Services and I want my account to stay with the purchased signed contract of XXXX XXXX asap and all my payments reported every 30 days to all XXXX credit bureau 's. I 'm at a lost and need help asap this all seems illegal and I have a business relation established with XXXX XXXX and their customer service has been great thus far. Please see all referenced documents attached. Thank you!
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (SC)

I have a promotional balance with Best Buy of XXXX $ that I had to pay by XX/XX/2023. I payed the promotional balance on my account on XX/XX/2023. I noticed that after that my account still had a promotional balance. Best Buy added the payment to the regular payments and not the promotional balance. I called Best Buy and they said they fixed this issue on XXXX that I wouldnt have a problem. I still was seeing a promotional balance on my online account and tried to fixed it before XX/XX/XXXX Best Buy said it was okay that they took care of it. XX/XX/XXXX came and now Best Buy is charging me XXXX interest for a promotional balance that I payed and the interst was not even supposed to be that high. I called Best Buy already talked to two supervisors one said they cant see my XXXX statement and he cant do nothing. The other supervisor said to pay XXXX $ more by XXXX and he removes it. I dont agree I just payed my promotional balance and want the interest charges removed from my account. Please fix it my credit will be affected and I will take action with the law to fix this injustice.
Consumer complaint received 2023-06-15
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. (IL)

The credit reporting agency is reporting a bankruptcy on my credit report and they have put in the date of furnisher as being the US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX, which is false. I have attached a letter from the US Bankruptcy Court of XXXX XXXX XXXX XXXX  verifying and stating that they do not furnish information over to the credit reporting agencies nor do they verify or validate any information concerning bankruptcy. This is falsely stating this information on my credit report and have yet to remove it from my credit report.
Consumer complaint received 2023-06-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BMO Bank, N.A. (VA)

I opened a CD with BMO on XX/XX/2023. I received an email confirmation at XXXX on XX/XX/XXXX that my account had been created. I received an additional email at XXXX on XX/XX/XXXX that my opening deposit of {$100000.00} was complete. 

On XX/XX/XXXX, the funds left my XXXX XXXX Bank account. 

On XX/XX/XXXX, I contacted BMO because my account balance was showing {$0.00} with no pending deposits. On this occasion, I was told that they could see the money in the account, and it would post overnight. 

On XX/XX/XXXX, I contacted BMO again because my account balance was still {$0.00} with no pending deposits. On this occasion, I was told that BMO had placed a freeze on my account because of a funding error. They asked me to contact XXXX XXXX to verify the funds. I contacted XXXX XXXX, who insisted that the funds successfully left my account, which was clear through my mobile banking app. I contacted BMO and was told that the hold had been lifted and the account would be funded by the next morning. 

On XX/XX/XXXX, I contacted BMO again because my account balance was still {$0.00} with no pending deposits. On this occasion, I was told that BMO never received the funds because XXXX XXXX ( and or XXXX ) had placed a hold on the funds. I verified this was inaccurate with XXXX XXXX while still on the phone with BMO. XXXX XXXX insisted that I needed to verify my identity. I had a notary public sign a form that verified my identity and uploaded it to BMOs secure portal. They told me that this would release the hold on their end, but that XXXX XXXX was still holding the funds. I received an official form from XXXX XXXX documenting that they had officially transferred the funds on XX/XX/XXXX. I was then placed on hold for over 2 hours while BMO contacted the fraud department. That is the most up to date information. 

This remains unresolved.