davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

On XX/XX/2020, the family renting my investment property moved. I prepared the property to be shown but on XX/XX/2020, we were mandated to stay home to " slow the spread. '' As a result, I was precluded from showing the house, therefore, I could not rent the house. I learned of the CARES Act and on Thursday, XX/XX/2020, I called SPS and spoke with XXXX. XXXX advised me that under the CARES Act I was entitled to a forbearance of my mortgage. I requested a 90 day forbearance for XXXX, XXXX & XXXX payments. XXXX confirmed that the three ( 3 ) mortgage payments would be moved to the end of my loan without penalty or interest. I accepted this relief in good faith and under the advice of XXXX cancelled my auto pay. 

I was successful in renting the property for XX/XX/2020, and called SPS to resume mortgage payments. I was told I needed to apply for a loan modification which I did. After months of submitting and resubmitting the same information I was denied the loan modification due to a " collection or charge off on my credit report. '' I believed that the " collection '' action in question was a {$290.00} disputed bill with XXXX which I offered to pay in full to resolve. I was told that was not acceptable and that I had " no home retention options. '' I was told that I was required to pay a lump sum payment or SPS would begin foreclosure on my property. I asked about repayment options, payment plan, etc. and I was again told " I had not home retention options. '' Together with a foreclosure notice I received a short sale acceptance form and a general third party authorization forms to sign over the rights to my property to SPS. 

I filed an appeal with SPS which was denied. 

In addition, to the loss of income on this property directly related to the Covid-19 pandemic, my income was reduced by 25 %. Further, since I was unable to travel for work my monthly travel reimbursement was reduced to zero, an average loss of {$350.00} a month. 

I am a single woman supporting my household on a single income. I accepted the relief offered by SPS to ease my financial burden while impacted by Covid-19, in good faith. I believe SPS acted in bad faith by refusing to find a way to make the loan modification successful after offering and promising to move three ( 3 ) mortgage payments ( XXXX ) to the end of the loan. I have never been late on a mortgage payment. I feel as if I have been a victim of a predatory lending practice.
Consumer complaint received 2019-11-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: GREAT LAKES (GA)

GREAT LAKES..wanted me to pay XXXX a month ... I stayed can't pay that much.. then I was given a plan to pay XXXX for 2 yrs ... .bit as I'm paying this amount nothing is going toward the loan..the loan increases ... .then the other plan was THE ONLY WAY I CAN HAVE MY LOAN NOT TO INVRRASR WAS TO PAY XXXX. A MONTH FOR 4YRS ... THIS IS NOT HELPING..I 'M SURE NOT YHE ONLY ONE..WHO HAS BEEN FAST TALKED INTO NEVER ENDING CONTRACTS ... THE GOAL IS TO PAY BACK THE LOAN..NOT KEEP IT ... IT NEVER GETS MONEY DEDUCTED..I HAVE BEEN PAYING ... BUT NO CHANGE ... IT WRNT FROM XXXX TO XXXX ... PARENT PLUS LOAN..
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (WA)

In the early morning hours of Wednesday, XXXX XXXX I was shopping on XXXX. I decided to purchase a small item. When XXXX brought up the payment page, I had the options to 1. buy & pay using my normal XXXX account 2. buying and then paying with XXXX XXXX XXXX which I do not have. 

I checked the latter box by mistake. I remember a pop-up that stated if you pay for an item with " XXXX XXXX '' you are basically applying for a XXXX line of credit. I did not want that, so backed out of the purchase. On my XXXX account there is no record of purchasing the item. 

On my XXXX account, it immediately showed that I now had a line of credit of {$7500.00} with XXXX. I emailed XXXX and told them I did not initiate this account and would they please close it. 

The next day I received an automated email response from XXXX, which did not address my concern. So I call XXXX They did close the account, but in the mean time I was alerted by XXXX XXXX of an inquiry on my credit XXXX note : this happened after XXXX 'gave ' me the line of credit ). I told the customer service rep that I wanted that inquiry removed as I did not authorize any of this. They said they would not do that as this is not a fraud. Well I think this is fraud as I never applied for this line, let alone authorized them to check my credit. 

The companies involved are : XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-11-18
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: IQOR US INC (NY)

XX/XX/2017 I spoke with a representative and told them that I have a debt consolidation company handling the matter but they still call 6 times a day regularly before 9 am and after 9 pm. The company is allied interstate.
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

This is a Banking Practices Consumer Complaint involving a repetitive practice engaged by First Citizens Bank credit card payments by check. 
Checks submitted in payment for VISA card debt to First Citizens Bank, XXXX XXXX XXXX, XXXX, XXXX XXXX are not being processed in a timely fashion, thereby passing the statement closing date and being assessed additional interest on the unpaid balance. 
Case in point : a check submitted for payment in full on XX/XX/2021 with an account closing date of XX/XX/2021 was not processed by the statement closing date of XX/XX/2021 and was finally posted on XX/XX/2021, thereby accruing additional interest for the additional days in cycle. 
Please note that First Citizens Bank is not the only bank engaging in this practice to collect additional interest on " past due '' accounts. Some are also charging a late fee in additional to the accrued interest.
Consumer complaint received 2018-04-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (FL)

It is about the creation of unauthorized online account with my name. 
On XX/XX/XXXX, I received a message from Wells Fargo, where it is stated " your online banking information needs to be verified '' Then, Wells Fargo indicated me " they noticed a suspicious activity in " my account ''. 
On XX/XX/XXXX, another Wells Fargo message indicates " your online access has been temporarily suspended '' I confirm I have no online accounts with Wells Fargo. I have never opened it. 

We, my husband and I used to have our mortgage with them, but we paid it off on XX/XX/XXXX. 

We hope, we are free of scandals involving fake accounts erupted on XX/XX/XXXX. I have not tried to reach them until I get a response from you about the best way to proceed.
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I 've contacted XXXX and the 3 major credit reporting agencies several times in an attempt to have incorrect information updated. XXXX has added and removed balances only to add them again. Proper notice was n't given when this was done. They were unable to provide me with the necessary documentation proving that I was actually late making a payment when I asked within the legal timeframe. They 're also reporting inaccurate information about my payment history to both of my XXXX accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have the correct contact information and I was not able to be notified about extending my forbearance. An extension was granted, but they still reported late payments during a period when no payment was due XXXX XXXX 2014 and XXXX 2014 ). I respectively ask that the late from XXXX 2014 to XXX 2014 be  removed and set to current. As soon as I contacted XXXX they notified me that my loans were in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as XXXX is doing illegal collecting practices.
Consumer complaint received 2017-11-18
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. (IL)

I 've contacted XXXX and the 3 major credit reporting agencies several times in an attempt to have incorrect information updated. XXXX has added and removed balances only to add them again. Proper notice was n't given when this was done. They were unable to provide me with the necessary documentation proving that I was actually late making a payment when I asked within the legal timeframe. They 're also reporting inaccurate information about my payment history to both of my XXXX accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have the correct contact information and I was not able to be notified about extending my forbearance. An extension was granted, but they still reported late payments during a period when no payment was due XXXX XXXX XXXX and XXXX XXXX ). I respectively ask that the late from XXXX XXXX to XXXX XXXX be removed and set to current. As soon as I contacted XXXX they notified me that my loans were in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as XXXX is doing illegal collecting practices.
Consumer complaint received 2018-04-23
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. (FL)

I have sent Transunion Communication on behalf of a collections account that is in dispute on XX/XX/2017. I haven't receive any information on the procedures used to verify the account with XXXX XXXX XXXX. 

I have sent them multiple communications and have yet to receive anything from them, however Transunion seems to have been able to verify this information. 

At this point, my rights are being violated and these companies are not adhering to the law as they are still reporting to my credit within providing adequate responses within the designated 30-45 day timeframe. 

I am having difficulty with purchasing a home and its a result of these negative items that aren't being properly verify. I understand that I'm one person against a huge organization, however my rights are protected. Something needs to be done immediately.
Consumer complaint received 2017-11-18
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

Navient keep adding balances and subtracting from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have my correct contact information and I was not able to be notified that I was out forbearance. I resectively ask that the lates from XX/XX/XXXX be removed and set to current. As soon as I contacted my loans were put back in forbearance. Also I want all loans older than seven years off my credit report, as that is more than SOL for my state. I need this done ASAP, as Navient is doing illegal collecting and reporting practices
Consumer complaint received 2016-05-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (VA)

A company by the name of Jefferson Capital Systems , LLC ( JCS ) has made XXXX attempts at collecting a debt related to an overdrawn checking account from XXXX XXXX XXXX. After my initial letter vehemently disputing the account/debt relation to me, they interpreted this as my agreement to it and chose to move on with their " repayment program ''. 

I will appreciate input as to what my options are for an escalated response and defense from this rather irresponsible company and its unacceptable set of tactics.
Consumer complaint received 2021-01-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

How does my FICO score drop by 20 points when nothing has changed? I utilize my credit card much less and my FICO SINKS 20 POINTS! Experian need 's to get out of the credit reporting field as they are utilizing dated monitoring practices! You can sue credit reporting agencies and as a furnisher under the Fair Credit Reporting Act this nonsense must stop! Thirty point FICO SCORE DROPS FOR WHAT?? Dated reporting algorithm and not to mention lawsuits accuse these systems of reporters of not properly investigating disputes, despite laws and settlements about the issue dating back decades. They have paid to wipe the internet clean of these truths but OUR likes and shares will go a long ways to resolve these crimes. I want these credit algorithms modernized and I likewise want a full explanation as to how to prevent these errors - " we the people '' WORK VERY HARD TO KEEP OUR CREDIT STABLE AND WILL NOT ALLOW THESE PHONY MACHINES TO CONTINUE WREAKING HAVOC IN OUR FINANCIAL JOURNEYS! 

I have filed a formal complaint - this is horrific! 



The XXXX XXXX XXXX has received your complaint and we are currently reviewing it. For your reference your complaint ID number is XXXX.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (UT)

Synchrony Bank/TJ Maxx is reporting a 30 day late XX/XX/20 & XX/XX/20. Unfortunately due to the unforeseen events surround the Covid 19 pandemic I was financially impacted. I have been a very loyal customer and have never been late before or after. This was just something that really affected my life as I got XXXX and it took me a while to financially recover. I also found out under the CARE act and the federal mandate creditors are not allowed to file late notations on credit during this pandemic. I ask you please remove these lates from my file.
Consumer complaint received 2015-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MO)

I have a lot of closed accounts on my credit report that I would like to be removed. XXXX was in my bankruptcy and discharged in 2010. I called XXXX and told them and it 's still on my credit report. My insurance paid my medical bills and ambulance Bills as well. Can you please remove the closed items please. Thank you.
Consumer complaint received 2017-11-18
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: Navient Solutions, LLC. (IL)

I 've contacted Navient and the 3 major credit reporting agencies several times in an attempt to have incorrect information updated. Navient has added and removed balances only to add them again. Proper notice was n't given when this was done. They were unable to provide me with the necessary documentation proving that I was actually late making a payment when I asked within the legal timeframe. They 're also reporting inaccurate information about my payment history to both of my Navient accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. For one, they did not have the correct contact information and I was not able to be notified about extending my forbearance. An extension was granted, but they still reported late payments during a period when no payment was due ( XXXX 2014 and XXXX 2014 ). I respectively ask that the late from XXXX 2014 to XXXX 2014 be removed and set to current. As soon as I contacted Navient they notified me that my loans were in forbearance. Also, I want all loans older than 7 years off my credit report, as that is more than the SOL for my state. I need this done ASAP, as Navient is doing illegal collecting practices.
Consumer complaint received 2021-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

. I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX  XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful. 

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. US DEPARTMENT OF EDU - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. US DEPT. OF EDUCATIO - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. DEPT OF ED on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2021-01-22
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. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2018-04-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

why didn't this company ( ocwen ) show you all the history of the payments that they have since XXXX and how is it possible that a company not know that they paid a year early of taxes NO I do not accept there response this company needs to show you proof of all the transaction of payment history they have done in my loan since XXXX where it goes from XX/XX/XXXX is where the loan went from XXXX to XXXX, plus and then XXXX, plus on the prior principal balance when it should of keep going down from XXXX because each month a payment was being paid the principal balance should of gone done.
Consumer complaint received 2021-01-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

opened a new checking account ( # XXXX ) on XX/XX/XXXX with this offer - XXXX $ opening bonus - my earlier acct was closed on XX/XX/XXXX. As per the terms and conditions of this offer i am eligible for bonus. 

HSBC PREMIER WELCOME DEPOSIT CHECKING OFFER 1 HSBC Premier {$450.00} Welcome Deposit Offer Terms and Conditions : This offer is available only online for applications completed using the Apply now button on the offer webpage. You must be at least 18 years of age, have a Social Security Number, currently have a U.S. residential address and have had U.S. residency for the past two years to apply for a deposit account online. To qualify for the HSBC Premier {$450.00} Welcome Deposit you must : ( 1 ) open your new HSBC Premier checking account from XX/XX/XXXX through and including XX/XX/XXXX ; and ( 2 ) make recurring monthly Qualifying Direct Deposits totaling at least {$5000.00} from a third party to your HSBC Premier checking account ( s ) for 3 consecutive calendar months from the second full calendar month after account opening. You will automatically receive the {$450.00} Welcome Deposit in your new HSBC Premier checking account approximately eight weeks after completing all qualifying activities. Qualifying Direct Deposits are electronic deposits of regular periodic payments ( such as salary, pension, Government Benefits or other monthly income ) made into your HSBC Premier checking account from third parties at least once per calendar month. Customers who held any HSBC consumer deposit or investment account XX/XX/XXXX through and including XX/XX/XXXX are not eligible for this offer. Eligible