davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

Hello, We are the XXXX working on trying to do a short sale on this house. We have been attempting to do this now with Select Portfolio Servicing ( SPS ) for almost 3 years. Most recently, we had an approved short sale at $ XXXX and the buyer walked in XX/XX/XXXX due to the condition of the house. We put the house back on the market and got a full price offer on X/31/2017. However, and this is the complaint being filed, SPS claims that they have 30 days to verify a file from the last time a document is put in the file, but they are twisting the verbiage of the rules that the CFPB put in place. The 30 day clause is so that they will provide a timely answer when sellers are trying to do a workout option, but SPS twists it around and says that each time there is ANY new document in the file they get an additional 30 days. In this case here, they had a complete packet on X/XX/2017 and the buyer came up to their new value of $ XXXX and I confirmed on a recorded conversation that the file was complete and that we would have an answer by X/X/2017. However, when there was no answer by the XX/XX/XXXXI called SPS daily and finally on theXX/XX/XXXX they told me that the packet was now complete and we would have an answer by XX/XX/XXXX. The ONLY change was one item on the HUD they did not approve and we changed it and sent it back in. They can not take another 30 days just because there was one item changed on the HUD. If every time there is one little change they want an extra 30 days to review the file then everything will be expired and they will NEVER get anything accomplished. <P/>Specifically, I am formally demanding that an investigation be started in their business practices regarding short sales. After reading the rules by the CFPB it is clear to me that servicing companies are supposed to review documents in a timely manner and then give a decision within 30 or give a written reason why they can not. The 30 day rule was not put in place to give negotiators at the servicing companies extra time to delay the process. As an authorized third party we can not speak to their underwriting department and it is impossible to escalate a file with SPS. <P/>In this case, the buyer, based on the recorded conversation with their representative XXXX XXXX on XX/XX/XXXX, went ahead with her loan process and gave notice that she was moving. Now, if we can not close by the end of XXXX she will not have a home to live in because she was relying on information from SPS. Further, when I explained that I have a recorded conversation with their representative stating that we would have an answer by XX/XX/XXXX, I was simply told that she should not have stated that. Well, if I go into a XXXX - XXXX store and the clerk tells me that sodas are on sale for {$.00} then they are liable to sell me the soda for that price and the same principle applies here.
Consumer complaint received 2017-06-20
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. (CT)

I have reached out to this company multiple times regarding the inquires on my account and they have done absolutely nothing but send me generic responses about contacting the companies and when i contact the companies they direct me to contact the credit bureau this is getting out of hand and is not reflecting my true credit report. the below inquires need to be removed. XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX. These inquires need to be removed i have done all the necessary steps, police report, contacted the companies contacted the credit bureau and sent in multiple disputes for the inquires as well as a security freeze this company still refuses to remove the inquires
Consumer complaint received 2017-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I was contacted by I.Q. Data International by telephone on XXXX XXXX, 2017 and informed they were pursuing collection for an amount due an apartment complex in XXXX, XXXX. I informed them that I did not live in XXXX and that the debt was not mine. Upon receipt of the initial letter from I.Q. Data, I provided them on XXXX XXXX, 2017, via certified letter with return receipt, multiple documents to include voter registration card, auto registration, auto insurance, utility bills, mobile phone bills, cable bills, IRS letter, letter from current landlord showing my lease start date and lease end date as well as a statement from the company responsible for moving me from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I have asked the creditor for a signed copy of the lease with the apartment complex in XXXX as well as any tenant information but as of this date, they refuse to provide me with that documentation. They have provided me with a statement with my name and an address is XXXX, XXXX but as I have previously stated, I have not lived in XXXX. On XXXX XXXX, 2017, again via letter sent by certified mail, return receipt, requested a copy of any leases, tenant applications but to date, creditor has ignored my request. On XXXX XXXX, 2017, I received notification from XXXX, XXXX and XXXX, that I.Q. Data International has placed the item on my credit reports. I have been attempting to work with them to resolve this but my attempts have been ignored. I feel that my rights under the Consumer Credit Protection Act have been violated and I am asking for your assistance in order to protect them. I have since filed disputes with all 3 credit bureaus in an attempt to get this removed from my credit report.
Consumer complaint received 2017-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

On the XX/XX/XXXX I had summited 2 payments on accident to Wells Fargo from my XXXX XXXX XXXX both of {$800.00}. On the XX/XX/XXXX i received my tax refund of {$1200.00}. I realized that I summited 2 payments of {$800.00} knowing that I did n't have the funds so i went inside Wells Fargo in XXXX, CA and explained to one of the bankers of what had happened. We called the card company to ( i have the wells Fargo college card ) and explain to them what had happened. They told me they were going to do a refund of the amount and stop the process of one if the {$800.00}. Reminder in my XXXX  account there was a post of {$1200.00} to be exact in my account. Wells Fargo took out the {$800.00} leaving my account of {$490.00} which is correct. Later that that i receive an over draft fee for {$28.00} which i kind of figured would happen since I did accidentally try to send two payments of {$800.00}. Then on the XX/XX/XXXX my credit card had a refund " payment reversal '' and i called on the XX/XX/XXXX after seeing that, to see what happened. the lady had told me that when i called with the banker they requested for a refund of the {$800.00} and the stopping of the 2nd {$800.00}. She then explained to me that i would have to wait the 5 business days for the money to be refunded into my account. On the XX/XX/XXXX I had checked all my accounts and nothing was posted of the {$800.00}. I called and the gentlemen i had talk to said the {$800.00} will be in my account by Friday XX/XX/XXXX because it could take 11 business days to process since its going to an outside wellsfargo account. I checked my accounts again, did n't see the {$800.00} posted anywhere so i called wellsfargo. The guy had told me that they never received any of the payments, i explained to him what had happened, and he just said that nothing was ever taken out of my account due to insufficient funds. I told him that the first XXXX was taken out but the 2nd was n't and how i went to talk to the banker. He then told me that i never had the XXXX even though the XXXX was posted on the account. I then called XXXX XXXX XXXX to figure of what happened to the XXXX since wellsfargo wanted to say i never had XXXX and the lady told me that i already had pending transactions leading into XXXX which did n't make since because i did n't use my card for a good week or so. how there was exactly {$800.00} missing from my account.
Consumer complaint received 2019-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THE ACCOUNT FOR XXXX XXXX XXXX IS REALLY AFFECTING AND OBSTRUCTING ME FROM PURSUING A BETTER LIFESTYLE. PLEASE REMOVE IT IMMEDIATELY!!!!!!!, AS FOR IT IS AFFECTING MY CREDIT 'S HEALTH. THIS ACCOUNT WAS OPENED ON : XX/XX/2014 WITH AN OUTSTANDING BALANCE OF : XXXX, MAKING IT AN UNPAID CHARGE-OFF. NOTHING HAS BEEN DONE FOR THIS ACCOUNT NOR WERE ANY ACTIONS TAKEN.
Consumer complaint received 2017-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

There a company name XXXX XXXX account number XXXX which is reflecting on all three of my credit reports. I do not now, nor have I ever had an account with this company. Based upon the information which they are listing as a debt, and they 're stating it was opened with a company by the name of XXXX XXXX XXXX and stating it was opened in XX/XX/XXXX. This information clearly shows that the statue of limitations have run out and does not allow XXXX XXXX to now try to collect on this debt. XXXX XXXX is trying to state that this account was open in XX/XX/XXXX and they took ownership of this debt but never notified me concerning this matter, but instead placed this on my account in the month of XX/XX/XXXX.  XXXX XXXX is not within its right to collect this information and has provided false information on my report. I am asking that they remove all information from all three reports and never place this back on my account again.
Consumer complaint received 2017-06-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sessoms & Rogers, P.A. (NC)

This is a debt/judgment that I owe and I am trying to pay ( that was not an option for me to choose on the previous page ).   On  X/X/17    I tried to pay a collection agency  Sessoms and Rogers  of what I owe from credit card from  XXXX  bank. I used their website to enter my checking account information. I received a receipt that I made the payment. A week passed and the collections agency did not take the money from my checking account. I called the  Sessoms and Rogers  to tell them that the money was still in my account and a representative told me that it was ok it took time for the funds to be removed. Another week passed and the funds are still in my checking account. I called again and another rep. told me they received word they could not find my account that is why they could not retrieve the funds. So I asked this Representative that I can pay the debt now and they told me no because my account is closed. The told me I had to contact  XXXX . I called  XXXX  to see if could pay them and they told me no too because my account was closed.  Sessom and Rogers  told me they would have to ask  XXXX  for permission to open the account so I can pay my debt. As of today,  X/XX/17    I still can not pay them and I feel like they are playing a game with me. I have never heard of a credit card or collections company that would not take a payment. I am trying to rectify this because I am in in the process of trying to purchase my first home and the judgment has to be off of my credit report.   Also, my credit report says money due is {$2300.00} but  Sessoms and Rogers  says I owe {$2600.00} that I have been trying to pay. Is that legal they are charging me more?   All I want is to rectify this, pay what I owe so it can be taking off of my credit report. Can you help me?
Consumer complaint received 2017-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (GA)

Chapter XXXX filed XXXX ; Loan previously with XXXX XXXX. During the chapter XXXX the house payment was raised from XXXX to XXXX without any written notification and/or notice during the bankruptcy. I continued to pay XXXX. The Chapter XXXX was discharged XXXX/XXXX/XXXX. The only info received from XXXX was prior to the discharge XXXX XXXX that stated my payment would reduce from XXXX to XXXX eff XXXX/XXXX/XXXX. NO back balance was indicated. Then the loan trans 'd to Selene Finance XXXX/XXXX/XXXX. I was not made aware of the transfer until XXXX/XXXX/XXXX. Selene Finance would not even discuss info with me until XXXX/XXXX/XXXX. Advising my attorney would not give " verbal '' release that they no longer represented me. I had already faxed court order discharge papers, but this was not accepted by Selene. When they finally begin to speak with me on XXXX XXXX, they advised I was 18 payments behind for over {$12000.00}. This was not only a shock to me but I had nothing from XXXX nor from anyone else with this information. I then requested research on XXXX/XXXX/XXXX from Selene Finance. They want to tell me I am behind but to this date they have yet to send me how and why this amount is owed. They advised me it would take over 2 months to do research but would still have to pursue foreclosure if this amount was not paid by XXXX/XXXX/XXXX. I can not get anyone to call me back, they have no answers ; I have been told it is my fault, etc. I have made a total of 13 phone calls to try and get this resolved. On XXXX/XXXX/XXXX loan modification papers were overnighted to Selene finance in order to try and save my home, but I have still have not heard any updates. I truly feel that they are purposely delaying research in order to foreclose on my home. Something is just not adding up. I have tried and tried my best to do what I feel is right to try and get this all in order. But so far this new finance company is not working with me. I am not sure what else to do. Any assistance in this matter would be a great and wonderful burden off my shoulders. I have been fighting now for almost 4 months.
Consumer complaint received 2019-08-14
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. (GA)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, US Dept  of Ed/XXXX/XXXX. There are also inquiries on my report that .I know nothing about XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX
Consumer complaint received 2017-06-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I went through a name change when I got married in XX/XX/XXXX, changing my last name to XXXX from XXXX. I also moved and reported that to both the school and Federal Student loan dept. When it came time for my deferrment to end and to start paying, the company sent all the letters and payment requests to the old address that was NEVER forwarded. It was n't until the collections showed on my cbi reports that I was aware of the problem. By that time the XXXX XXXX XXXX XXXX transferred all my accounts to their delinquency credit collector who refused to accept my paperwork for repayment for 1 year and half! After finally threatening the credit agency with an attorney after speaking to one, the collection agency accepted my repayment plan on their own " made up '' terms. The credit reports continue to show the accounts as derogatory and unpaid since original date reported. I have been paying since contract with the credit company. The XXXX XXXX XXXX XXXX 's collection department has racked up over $ 7k in interest by stalling this process all along. When I call the XXXX XXXX XXXX to try to pay the entirety of the balances off with consolidation loans, they reject my requests and say their is nothing I can do but to stay in this ridiculous repayment program. They took my husband and I 's XX/XX/XXXX tax return and applied all $ XXXX to the loan balance even though the credit program I contracted under said this garnishment would not happen. It 's ruined my credit and I can not buy a home. I have disputed it with all 3 credit bureaus. The cbi 's removed it and then it reappears again the next month. An attorney has advised me to contact your agency to help. Please help me.
Consumer complaint received 2022-06-21
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. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Identity Theft XXXX Date of inquiry : XX/XX/2020 The inquiry was not authorized please removed it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
Account Number : XXXX Please remove it from my credit report. 
. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt. 
Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2017-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

On Monday XXXX XXXX, I received an email from the chairman ( it was her full name but turned out it was n't her ) of the small non-profit company I just was elected Treasurer to transfer {$2400.00} to another Chase bank account ( ours is a Chase account also ) in another city. The email had her full name and my name and email address. I went to the XXXX, WA bank branch and made the transfer. The woman helping me even commented the routing address the transfer was going to was in a different state than the address on the email. But it went through. Later that evening I was talking to the chairman and she said she did n't send the email. I then called the Chase Fraud line and was told ( after being on hold a few times and passed around to different departments ) that because the transaction was made by me in the bank ( as opposed to being done online ) that they could n't do anything and I would need to call the bank in the morning. I called again later to see if they could at least stop the transaction since they told me it still showed pending and I gave them the whole account number, I was told they could n't do anything with the funds until they had been deposited in the transferred account without contacting the owner of that account. This was the person who was swindling the money! Of course they are not going to refund it!! So I called the bank this morning as soon as they opened and the woman who helped me said she would call her fraud dept. and get back to me. When she called me back she told me they would not cover the funds because I instigated the transaction. ( Even though I tried calling before midnight to try and stop the transaction! ) I have attached the email I received with the account info and name the funds were transferred to.
Consumer complaint received 2017-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (MD)

M y credit score dro pped  XXXX  points from  XXXX  to  XXXX  due to an inadvertently missed payment of {$210.00} in  XXXX  of    2017  on  a Citibank credit card. The missed payment was due to a paperless bill which was sent to an incorrect email account for an unuse d credit card. The charge was for the credit card fee and a recurring membership fee that I was unaware of. I immediately paid the balance when I became aware of  the past due status but now it is reported on my credit report as late. As a result, my credit score drop ped significantly - over  XXXX  points - for  one missed payment. I never received a paper statement which would have allowed me to pay it on time.  I also never received any phone calls about it.
Consumer complaint received 2017-06-15
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I opened a secured credit card with  XXXX   XXXX , I deposited money in my account that was already open and they took it from there. I never received a notice as to where the funds would be deposited or if I was getting interest on the account. My account was closed by them and I never received a letter stating where the money i deposited was applied to. They originally reported that I owed {$410.00} and I disputed that and th ey brought it down to {$110.00} only because I disputed it. Those action lowered my credit score. And I ha ve yet to receive any letters on what happened with the deposit.
Consumer complaint received 2017-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc. (CA)

I applied for a new car loan and was approved for an amount I could afford and that was the only reason I agreed to buy and leave  XXXX   XXXX  dealership in  XXXX , CA. The finance guy called me after a day o r 2 st ating that I needed to resign my loan with another finance company for a higher intetest rate.
Consumer complaint received 2017-06-20
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: Allied Collection Services, Inc. (Nevada) (FL)

This company is illegal and the loan was is not valid in the state of Florida, they charged triple the amount of the loan in just interest and that is illegal in the state of Florida. I paid the principal only.